What UHIP Covers
The University Health Insurance Plan (UHIP) provides coverage for medically necessary services while you study in Ontario. This includes visits to doctors, hospital stays, and other essential medical care. Knowing what is covered helps you avoid unexpected bills.
How to See a Doctor
When you need medical care, you can visit a doctor who participates in the plan. Bring your UHIP card or proof of enrollment with you. At the clinic, present your card at the reception. The clinic will usually bill UHIP directly for covered services, so you may not have to pay upfront. For walk-in clinics or family doctors, it is best to confirm in advance that they accept UHIP.
Reimbursement Tips
If you pay for a service out of pocket that is covered by UHIP, you can submit a claim for reimbursement. Keep all receipts and any forms the provider gives you. Submit your claim within the required time frame to avoid losing eligibility. If you are unsure whether a service is covered, check with your university’s health plan office before you go.
Avoiding High Costs
To avoid high medical costs, always use UHIP for covered services and carry your card. Services not covered by UHIP, such as dental care or prescription drugs, may require separate insurance. Know what is part of UHIP and what is not, and seek care from participating providers to minimize out-of-pocket expenses.