Costs, Opt-in, Opt-Out

September start students: All coverages are from September 1 to August 31. Prices are for the entire coverage period and cannot be pro-rated.

January opt-in new start students: All coverages are from January 1 to August 31. Prices are for the entire coverage period are cannot be pro-rated.

2022-2023 Prices:

 Individual (Full-time students automatically enrolled)Couple (additional cost to add one dependant)Family (additional cost to add many dependants)
Health Only207207440
Dental Only204204480

Fall 2022 Students – Opting In (Joining the Plan)

Fall Opt-In Application Status: OPEN ON AUGUST 31 (the opt-in period for September 1, 2022 to August 31, 2023 plan period closes on October 5, 2022)

Click here to access the September 1, 2022 to August 31, 2023 plan period opt-in application

All full-time domestic and international graduate students are automatically enrolled in the plan. Part-time and co-op students may elect to opt-in to the plan to be able to use all of the benefits of the plan. All enrolled students may also elect to add their spouse (including same-sex and common-law partners) and/or dependent children to the plan. All dependent children must be under the age of 21 unless enrolled in post-secondary school, full-time, then up to age 25.

To opt-in, students must complete the online opt-in application and pay the applicable fee by October 5, 2022. The coverage period will be September 1, 2022 to August 31, 2023. Students’ and applicable dependent coverage will be activated by October 12, 2022 at the latest. Any claims made between September 1, 2022 and October 12, 2023 can be submitted once coverage is activated for consideration. On October 12, 2022, students who opt-in can create a GSC Everywhere account at

Students who elected to opt-in to the plan in September 2021 or January 2022 for themself, their spouse/common-law partner, and/or children must complete an opt-in application to enroll again to the new 2022-2023 plan year.

Opting Out (Leaving the Plan)

Opt-Out Application Status: OPEN ON AUGUST 31 (the opt-out period for the 2022-2023 plan year closes on October 5, 2022)

Full-time students who are already covered under a comparable or better insurance plan may opt to leave the plan, with a refund, by October 5, 2022. Students must opt-out of the plan on an annual basis before the opt-out deadline. Please use the opt-out application website to leave the plan for health benefits, dental benefits, or both. Refunds will be made directly to students’ Carleton Central accounts by late October 2022.

Health coverage includes prescription medications, medical items, practitioners, Inkblot Therapy, vision, accidental death and dismemberment (AD&D), and travel benefits. By opting-out of the health plan, students will not have access to these benefits. The dental coverage includes dental benefits. Opting-out of the dental plan will result in a loss of these benefits. Once the opt-out application is approved, students will not be able to join the plan by opting-in for the remainder of the plan year.   

To opt-out, students must provide proof of comparable or better alternative insurance when completing the opt-out application. The CUPE 4600 Teaching Assistant (TA) plan and University Health Insurance Plan (UHIP) are not valid comparable or alternative insurance plans that can be used to opt-out. 

All opt-out applications must be submitted using the opt-out tool website prior to the October 5, 2022 deadline. No other proof of opt-out will be accepted including but not limited to, opt-out forms filled out on other students’ unions websites and/or their affiliated brokers or plan providers websites. No exceptions will be made. 

Once the opt-out period closes, all opt-out applications will be reviewed. If additional information is required, students will receive an email requesting the details. Approved applications will receive a refund directly to their university student account in late October 2022.Undergraduate students (Bachelors degrees) who may want to opt out or opt in of their health plan should visit the CUSA website.