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Waiving Student Health Insurance
Proof of Coverage Requirement
Students with health insurance coverage must sign an online waiver demonstrating coverage comparable to the University-sponsored plan by the deadline. Students must verify that the basic benefits provided by the Student Health Insurance Plan (SHIP) are included in your current health insurance policy. If any of these benefits are not covered through your current policy, you will not be considered sufficiently insured and will be enrolled in the SHIP.
Students who fail to complete the waiver process prior to the deadline will be subject to mandatory enrollment in the SHIP, a $25.00 processing fee, and billing of the annual premium amount to their Student Account upon close of the Course Registration “Drop/Add” Period. Once enrolled in the plan, removal will require a letter of appeal to Student Health and Counseling and be at the discretion of the insurance plan, and will include a processing fee of $25.00.
Refer to this quick reference tool with information about the Proof of Health Insurance Requirement and to review waiver eligibility.
Does my insurance qualify for a waiver?
In order to be eligible for a waiver from the SHIP, a student's personal health insurance plan must offer equivalent or greater benefits than what the SHIP offers. You must complete the online waiver each academic year in order to verify that the basic benefits provided by the SHIP are included in your current health insurance policy. If any of these benefits are not covered through your current policy, you will not be considered sufficiently insured and will be enrolled in the SHIP. The basic benefits for comparable coverage are:
- Annual deductible less of $2,500 per person, per plan year
- Annual plan maximum limit consistent with the Affordable Care Act regulations
- Coverage for pre-existing conditions
- Coverage for inpatient and outpatient medical services in the Philadelphia region (i.e. physician visits; day surgery fees)
- Coverage for laboratory tests and radiology
- Coverage for inpatient and outpatient mental health and substance abuse treatment up to 30 days in the Philadelphia region
- Coverage for prescription drugs (can be a separate plan)
How do I waive the SHIP?
The waiver application is available online during the scheduled waiver periods, listed below:
- Summer 2020: 05/01/20 - 06/30/20 (Incoming and newly eligible students)
- Fall 2020: 07/15/20 – 09/11/20 (All students, including summer students)
- Spring 2021: 12/01/20 - 01/29/21 (Incoming and newly eligible students)
All waiver applications and documentation must be received by the deadline. No exceptions.
Do I have to waive each academic year?
Yes. Approved waivers are effective for the current academic year. A new waiver application must be submitted by the appropriate deadline each academic year, even if your health insurance coverage has not changed. It is the student’s responsibility to notify the Insurance Coordinator of any changes in health insurance coverage during the academic year.
What if I waived the SHIP but no longer have comparable coverage?
Students are required to maintain active health insurance coverage while in attendance at the University. It is the student’s responsibility to notify the Insurance Coordinator of any changes in health insurance coverage during the academic year. If your insurance coverage terminates, you must submit proof comparable coverage in another plan or enroll in the SHIP.
To obtain coverage through the SHIP, please contact the Barbara Siebert, Director, Student Health at firstname.lastname@example.org. You will need to complete an enrollment application and submit documentation of prior coverage within 30 days of your termination date. The effective date of coverage under the SHIP is the date previous coverage was lost and the premium will be adjusted/pro-rated accordingly.
Director, Student Health
600 South 43rd Street
Philadelphia, PA 19104-4495