Daughter graduated at a univ. in ON Canada in 2017. Each year that she attended, she opted out of the student union (SU henceforward)'s health insurance as mine covered her. SU confirmed each year they got ALL her opt-out requests.
She chased SU for refunds in 2018 but they just stalled her. Because she's been too polite and I don't want this to worsen her suicidal ideation, I'm taking over. I wrote the Uni President in 2019. THEN SU replied
We can't refund you just because we have no record of you getting an opt-out refund. We don't handle refunds or collect proof of refunds for our health plan – We just handle the receipt of opt-out requests, and forward them to the plan liaison. Insurer 1 was the insurance liaison that had to retain proof of the refund. If you already got refunded, we wouldn't know, just like when current students ask for opt-out refunds. We have to rely on Insurer 1 and when we asked for you, they replied that as the account has been closed, they can't prove if you got refunded or not.
Insurer 1 replied
Your student union would have refunded you. But we no longer administer the plan, and we sent all of the refund information to the new administrator. They are responsible for retaining it. We can no longer access the bank account where the funds were withdrawn anymore, so we cannot know if you got refunded or not.
Then I emailed Insurer 2, but they replied
Insurer 1's answer is wrong. We never got records of opt-outs before we became the new administrator. There was no reason for anyone to provide us that information. Insurers just receive information on students covered by the plan, not students who have opted out.
Is Insurer 2 correct that insurers "just receive information on students covered by the plan, not students who have opted out"?
Insurers 1 and 2 are saying opposite things. Who's correct?