The opt out will not reflect on your student account. You still need to pay the charge to student account and then if approved, the opt-out are reimbursed by the student union via e-transfer - (usually around November).

The opt out is administered entirely by the student union.
 

Here are some links you might find useful: 

• Third-Party Sponsorships | Office of the Registrar | McMaster University

• GSA Health & Dental​ Insurance Plan: Health and Dental – Graduate Students Association of McMaster University

• McMaster Student Union Opt-Out: Opt-Out - MSU (msumcmaster.ca)
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