What UHIP Covers
The University Health Insurance Plan (UHIP) is a health insurance plan for university students in Ontario who are not covered by the province’s public health insurance. UHIP provides coverage for medically necessary services, including visits to doctors and specialists, hospital care, and certain medical procedures. It also covers necessary prescription drugs, as well as ambulance services and some diagnostic tests.
How to Access Care
When you need medical care, you should first visit a doctor or a walk-in clinic. You will need to present your UHIP card and a valid photo ID. If you need to see a specialist, you must first get a referral from your primary care physician. For emergency care, you can go to a hospital emergency room, and UHIP will cover the costs of emergency treatment.
Reimbursement and Claims
In most cases, if you use a UHIP-approved health provider, you do not need to pay for services upfront. However, if you visit a provider that does not directly bill UHIP, you may need to pay for the service and then submit a claim for reimbursement. To do this, you should keep all receipts and itemized bills, and submit a claim form to the UHIP office at your university. Reimbursement is typically issued within four to six weeks.
Important Notes
UHIP does not cover routine dental care, eyeglasses, or cosmetic procedures. You are responsible for any fees not covered by the plan. Always carry your UHIP card and know the terms of your coverage to avoid unexpected medical bills.
Frequently Asked Questions
What should I do if I lose my UHIP card?
Contact your university’s UHIP office immediately to request a replacement card. You may be charged a fee for a new card.
Can I use UHIP outside Ontario?
UHIP provides limited coverage for emergency care outside Ontario, but you should check with your university’s UHIP office before traveling. Non-emergency services outside Ontario are generally not covered.
How do I know if a provider accepts UHIP?
Most doctors and clinics in Ontario accept UHIP. You can ask the provider’s office when booking an appointment, or check the UHIP provider directory on your university’s website.
Are dependents covered under my UHIP?
Dependents like a spouse or children can be added to your UHIP plan for an additional fee. Contact your university’s UHIP office for details on enrollment and costs.