What Insurance Plan do I Use?

As a UTGSU member, you may have multiple insurance plans. Below is a summary of some possible plans you may have, and when to access them. If you are still unsure, please contact the UTGSU Health and Dental Insurance office at 16 Bancroft Ave. Toronto via email health@utgsu.ca.


OHIP is the Ontario Health Insurance Plan that every permanent resident of Ontario has. UHIP is the University Health Insurance Plan that is mandatory for all international students. Both are basic coverage for doctor’s visits or hospital visits. To use OHIP present your health card when visiting the doctor or hospital. To use UHIP, go to http://uoft.me/uhip and download your UHIP card. Present this card when visiting a hospital or doctor’s office. If this card is not recognized you will be expected to pay upfront. Visit http://uhip.ca for information on how to enrol your family, make claims, etc.

UTGSU health and dental insurance plan

As a member of the UTGSU you are automatically enrolled in the UTGSU HDI plan. Both full time and part time students are covered by the health and dental plan. This plan is supplementary to OHIP/UHIP and covers additional services you may need including prescription medication, vision care, dental services, etc. The insurance provider is Green Shield and the broker is StudentCare.

Travel insurance is included in the UTGSU Health Plan and is provided by Blue Cross Canada.

CUPE 3902 Unit 1 (teaching assistant) Top up plan

If you work more than 30 hours in the year as a teaching assistant at the University of Toronto, you are entitled to use of the CUPE3902 Unit 1 Health and Dental Top Up Plan provided you are enrolled in the UTGSU HDI Plan. To learn more about this plan and how to make claims visit http://cupe3902.org.

CUPE 3902 Teaching Assistants (TA): Health Care Spending Account (HCSA)
Did you know that for the 2021-2022 plan year you are entitled to the $300 HCSA?  And if you have enrolled in the Family HCSA you are entitled to $600?  Your HCSA account has an annual deadline to spend your funds.  Any funds left in your account at the end of the plan year (August 31, 2021) will be forfeited and not carried over the following plan year.  The deadline to submit claims, including HCSA, for the current plan year September 1, 2021-August 31, 2022 is October 30, 2022. You can also claim your health and dental premiums through your HCSA account.  Check out this handy guide for details on how to do so! For more information about the HCSA, including information on how to submit claims, visit https://www.cupe3902.org/.