UTM students can opt out of the mandatory health and dental insurance plan by submitting the online opt-out form with proof of equivalent private coverage during the published opt-out window each September.
How does Concordia insurance work?
Concordia’s student health plan is a group insurance policy that reimburses covered medical expenses after you pay the annual premium and meet the deductible.
Here's the thing: the plan is underwritten by Green Shield Canada and administered by the Concordia Student Union. After you pay the roughly $1,100 annual premium (2026 rate), Concordia covers 80–90% of eligible expenses up to an annual maximum of $100,000, with a $100 deductible per claim. (Honestly, this is the best way to explain it.) Common covered services include doctor visits, hospital stays, and some prescription drugs. You file claims online and receive reimbursement via direct deposit within 10 business days.
What is CSU health insurance?
At California State University campuses, the default health insurance is the CSU Student Health Benefits Program, a university-sponsored plan underwritten by UnitedHealthcare StudentResources.
The plan isn't Medi-Cal—it's a separate private insurance product available to enrolled students. Premiums for 2026 are about $2,300 for domestic students and $3,400 for international students, with coverage that includes doctor visits, prescriptions, mental health, and emergency care. Students can opt out with proof of comparable coverage during the annual enrollment period in August.
How do I opt out of telemedicine Concordia?
Log in to your Concordia student portal, navigate to the Health & Dental Insurance section, and click ‘Opt Out’ for the telemedicine rider before the published deadline.
You'll need your student ID and date of birth; confirmation is instant. Opting out removes the $15 telemedicine add-on fee but doesn't cancel your base health insurance. If you later want to reinstate telemedicine, you can do so during open enrollment in January.
Is Concordia first come first serve?
Course registration at Concordia is strictly first-come, first-served once your registration time ticket opens.
Seats in high-demand classes fill up fast, so you'll want to register at your earliest eligible time. Dropping or adding courses is possible until the add/drop deadline, but popular electives may already be full. Monitor your email for registration dates and use the queue system if a class is closed. (Trust me, you don't want to miss your window.)
Does greenshield cover acupuncture?
Green Shield student plans do not cover acupuncture unless it is deemed medically necessary and pre-authorized.
Most standard plans exclude acupuncture, massage therapy, and other complementary services unless you purchase a rider or have a group plan that explicitly includes them. Check your specific certificate of insurance or contact Green Shield directly before incurring costs.
Does Concordia offer health insurance?
Concordia University offers a mandatory health and accident insurance plan for international students and a voluntary plan for domestic students.
The university partners with Sun Life to provide coverage options. International students pay approximately $1,200 per year and are automatically enrolled; domestic students can enroll voluntarily during the opt-in period at an equivalent premium. Both plans cover hospital, physician, and emergency care. (This is pretty standard for most universities.)
What are the benefits of going to a CSU?
Attending a California State University campus grants access to system-wide health plans, retirement matching, tuition discounts, and income protection benefits.
CSU employees receive vision, dental, and health coverage with low employee premiums. Vision plans typically include an annual eye exam and partial coverage for glasses or contacts. Life insurance and long-term disability are also included at no extra cost, with employer matching between 10–12% on retirement contributions. (Seriously, these benefits add up.)
Does CSU match 401k?
CSU matches retirement contributions at 10–12% depending on the plan and employee classification.
Full-time faculty and staff participate in either the Defined Contribution Plan or PERA, both of which feature a guaranteed employer match. Contributions vest immediately, so your account balance grows even if you change jobs within the CSU system. Review your specific plan documents for vesting schedules and contribution limits.
Does CSUN offer health insurance?
California State University, Northridge (CSUN) provides a comprehensive benefits package that includes medical, dental, vision, and life insurance to eligible employees.
Full-time faculty and staff can choose from multiple medical plans, including Kaiser Permanente and Anthem Blue Cross, with premiums partially subsidized by the university. Spouse and dependent coverage is available, and enrollment occurs during the annual benefits open enrollment period in spring.
Is there a reading week at Concordia?
Concordia’s Reading Week in 2026 runs from February 23 to 27, providing a mid-semester study break.
Most academic and administrative services remain open, but some departments may operate with reduced hours. The break is scheduled between the winter exam period and final project deadlines, giving students time to prepare for upcoming assessments. Check your course syllabi for any variation in schedules.
What is the difference between virtual health and telehealth?
Telehealth is the broader category of remote healthcare delivery, while virtual health refers specifically to digitally delivered clinical services such as doctor visits via video call.
Telehealth may include non-clinical services like health education or remote monitoring, but virtual health is strictly clinician-to-patient interactions using technology. Both are covered under many student plans when delivered by licensed providers, but always confirm with your insurer before assuming coverage. (Don't skip this step.)
Can you defer Concordia?
Concordia does not allow admission deferrals; students who cannot attend must reapply for a future term.
If you are admitted for Fall 2026 and can't attend, you must decline your offer and submit a new application when you're ready to enroll. Some programs allow you to postpone up to one year by reapplying under the same policy, but this isn't guaranteed and requires approval from the admissions office.
Does Concordia use common app?
Concordia University accepts the Common App for undergraduate first-year and transfer applications.
You can start or continue your application through the Common App portal and then link it to Concordia’s system. The platform simplifies applying to multiple schools but doesn't replace Concordia’s supplemental materials, such as transcripts and letters of recommendation. Check Concordia’s admissions website for 2026 deadlines and requirements.
How many times can I apply to Concordia?
You may list up to three program choices on a single Concordia application.
Each choice is evaluated independently, and you pay one application fee regardless of how many programs you select. If you aren't admitted to your top choices, you may reapply in a future term, but you can't submit multiple applications for the same term with different programs.
Does green shield cover erectile dysfunction?
Green Shield student plans exclude prescription drugs used to treat erectile dysfunction when prescribed solely for erectile dysfunction.
Coverage may be available if the medication is prescribed for an unrelated medical condition, such as prostate issues, but prior authorization is required. Always verify with Green Shield or your plan administrator before filling a prescription to avoid unexpected out-of-pocket costs.
Does green shield cover implants?
If an implant is required due to an accident, injury, or congenital defect, your plan may cover a portion of the cost. You must submit a treatment plan and prior authorization request to Green Shield before proceeding. Cosmetic implants, such as those for purely aesthetic reasons, are not eligible for reimbursement.
Does greenshield cover mole removal?
Green Shield student plans do not cover mole removal if it is classified as a cosmetic procedure.
Removal is covered only if the mole is cancerous or precancerous and your doctor documents medical necessity. For purely aesthetic removal, you will be responsible for the full cost. Always request a detailed explanation of benefits from Green Shield before scheduling the procedure.
Edited and fact-checked by the FixAnswer editorial team.
