Health and Dental Plan

We've got you covered for vision, drugs, dental, and much more. Your coverage lasts all year (even after school ends), so you never have to worry about losing your benefits.

A plan for everyone

The LUSU Health & Dental Plan offers affordable coverage to all Lakehead students and their families. Benefits include extended health, prescription drugs, dental, travel, and accident coverage. Coverage lasts for the entire year starting September 1st.

Still not sure if you can get coverage?
Give us a call or send us an email and we'll let you know whether or not you're covered.
Thunder Bay (807) 343-8259 or benefits@lusu.ca
Orillia (705) 330-4008 ext 2180 or orillia@lusu.ca


Access your health coverage

The Student VIP website is a one-stop shop for all of your interactions with the LUSU Health & Dental Plan. Students can access information on coverage, process claims, opt into or out of the plan, add a spouseor dependents, and get answers to frequently asked questions.

Go to Student VIP

Am I covered by the health plan?

Full-Time Undergraduates: If you are starting in the fall (September)

If you are enroled in at least 3.75 credits, you are automatically covered. You should be able to log in to MyInfo on the Lakehead University website and see a charge for $334 for LUSU Medical and Dental.

Full-Time Undergraduates: If you are starting in the winter (January)

You will not be automatically enroled and charged the fee. If you want, you can opt in to the benefits for $334 by visiting Student VIP.

Full-Time Undergraduates: If you are starting in the spring or summer

You will not be automatically enroled and charged the fee. Unfortunately, there is no option to opt in during the spring or summer terms. Sorry about that!

Still not sure if you're covered?

Give us a call at (807) 343-8259 or send us an e-mail at benefits@lusu.ca and we'll let you know whether or not you're covered.

Part-Time and Graduate Students

I'm a part-time or graduate student. Am I covered?

You are not covered automatically. You can opt in between September 1–30 for coverage for $334 by visiting Student VIP

I'm a part-time or graduate student but I'm starting in January. Can I get coverage?

You are not covered automatically. You can opt in between January 1–30 for coverage for $334 by visiting Student VIP

I'm a part-time or graduate student but I'm starting in the summer. Can I get coverage?

Unfortunately, there is no option to opt in during the spring or summer terms. Sorry about that!

Still not sure if you can get coverage?

Give us a call at (807) 343-8259 or send us an e-mail at benefits@lusu.ca and we'll let you know whether or not you're covered.

How do I add my spouse or dependent?

If you have been automatically assessed the Health and Dental Plan fee ($334.00) you may choose to add your eligible family members to the plan. This will require you to pay additional fees.

You can add your spouse and dependents during the opt-in period (Sept 1-30). Either visit the Student VIP website (credit cards accepted) or visit the LUSU office (cash, credit, or debit accepted).

Getting your benefits card

You can pick up your benefits card at any time by visiting the LUSU office, dropping by any of our tables on campus during orientation week, or by visiting Student VIP. Your benefits card allows you to fill your prescriptions at any pharmacy and reduce the amount you have to pay when visiting the dentist.

How do I make a claim?

During the months of September and into early October, there is a blackout period in effect for your coverage. To see how this effects your coverage, see the Student VIP website.

For information on how to submit a claim online, or to download and print claim forms, please go to Student VIP - How to Make a Claim.

You can also visit us at the LUSU office to pick up printed copies of the forms or submit your claim using a kiosk. If you're submitting a claim via the paper forms, you can send the completed ones via mail:

RWAM Insurance Administrators Inc.
Attention: Claims Dept.
49 Industrial Drive
Elmira, ON N3B 3B1

You can also send a fax to (519) 669-1923 or e-mail web-groupclaims@rwam.com.

Important notice about opting out

Only students who have comparable coverage (for example, through their parents' or spouse's insurance) are eligible to opt out of the LUSU Health & Dental Plan.

Students who opt out will not be eligible to opt back in to the plan until next September. Some students can end up in situations where their comparable coverage is terminated.

For example, if your comparable coverage as a dependent through your parent or spouse is terminated, you will no longer be covered. If you have insurance through your parents, you may also lose coverage if you no longer qualify as a dependent (e.g., some plans no longer cover children once they turn 21). Carefully consider all possible situations before deciding to opt out. Make sure you check the details of your comparable coverage.

If you submit a claim and it is processed before your opt-out is completed, your opt-out application will be declined and the health plan fee will not be refunded.

Please review the opt out policy if you have any further questions.

If you have comparable coverage, you may still not want to opt out

LUSU is now offering enhanced health and dental plans that allow you to maximize the benefits that are important to your needs. You may want to review these Enhanced Plans before you decide to opt out.

You are able to combine coverage through the LUSU Health & Dental Plan with existing health and dental coverage. In many cases this will result in 100% coverage of drugs, practitioners, dental, and other benefits, and may provide more value than receiving a refund of the Health & Dental Plan fee.

If you are eligible to opt out and decide not to combine your coverage, you may opt out online. You must provide proof of comparable coverage, which will require the name of the insurance company and policy number under which you are covered. You will also be asked to submit banking information for direct deposit.

Keep in mind the last day to opt-out of the health and dental plan is September 30th.

Register & Opt Out