Frequently Asked Questions

Opt-Out

If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:

Fall Semester: 08/04/2025 - 09/26/2025

Spring Semester: 12/01/2025 - 01/30/2026

Summer Semester: 04/06/2026 - 06/05/2026

Domestic Students must be enrolled in a health plan that is compliant with the Affordable Care Act (ACA):

  1. Provide the Essential Minimum Benefits required by the PPACA with no annual limits. A list of the benefits can be found here: https://www.healthcare.gov/glossary/essential-health-benefits/ .
  2. Contain no exclusions (or waiting periods) for pre-existing conditions.
  3. Covers 100% of Preventive Care as defined by the PPACA. A list of these preventive services can be found here: https://www.healthcare.gov/coverage/preventive-care-benefits/.
  4. And provide the following coverage benefits:
  • Ambulatory (i.e. Outpatient) patient services
  • Emergency Services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services
  • Prescriptions drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Chronic disease management

 

NOTE: The following plan(s) will NOT be acceptable for waiver approval:

  • Short-term coverage plans are not accepted.
  • Financial Assistance plans are not accepted.
  • Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement are not accepted.
  • Out of State Medicaid

 

International Students must be enrolled in a health plan that meets the following minimum requirements:

Student is enrolled in a plan that us compliant with the ACA.

  1. Provide the Essential Minimum Benefits required by the PPACA with no annual limits. A list of the benefits can be found here: https://www.healthcare.gov/glossary/essential-health-benefits/ .
  2. Contain no exclusions (or waiting periods) for pre-existing conditions.
  3. Covers 100% of Preventive Care as defined by the PPACA. A list of these preventive services can be found here: https://www.healthcare.gov/coverage/preventive-care-benefits/.

And provide the following coverage benefits:

  1. Ambulatory (i.e. Outpatient) patient services
  2. Emergency Services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services
  6. Prescriptions drugs
  7. Rehabilitative and habilitative services and devices
  8. Laboratory services
  9. Chronic disease management
  10. Repatriation expenses in the amount of no less than $25,000.
  11. Expenses associated with the medical evacuation of the insured to the insured’s home country of no less than $50,000.

If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits.

NOTE: The following plan(s) will NOT be acceptable for waiver approval:

  • Short-term coverage plans are not accepted.
  • Healthcare Sharing Plans.
  • Financial Assistance plans.
  • Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement are not accepted.
  • Out of State Medicaid