STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS WHO IS REQUIRED TO HAVE HEALTH INSURANCE? All traditional undergraduate students who are registered for 12+ credits are eligible and automatically enrolled in the USF Student Health Insurance Plan (SHIP) and the premium will be added to the student’s tuition fees. Students who have another comparable health insurance plan can complete a student insurance waiver to opt out.
WHAT HEALTH INSURANCE IS OFFERED BY USF? The University of St. Francis has contracted with Wellfleet to provide a comprehensive health insurance plan for students that provides access to the National Cigna PPO Network. The Student Health Insurance is an ACA-compliant (Affordable Care Act) plan. For more information about the ACA, visit healthcare.gov/glossary/affordable-care-act.
WHAT INSURANCE PLANS ARE NOT CONSIDERED TO BE COMPARABLE COVERAGE? • Travel Insurance Plans. • Non-U.S.-based insurance companies. • Short-term insurance plans (non-ACA compliant). • HMO plan from another state other than Illinois. HMO plans do not have participating providers in any other state than the state you reside in. HMO plans will only cover emergency care on the day of an emergency illness or an accident. Non-emergency care is not overed by an out-of-state HMO. • Out-of-state Medicaid Plans. Medicaid Plans do not provide coverage if you are receiving treatment from a provider outside your home state.
WHERE CAN I FIND DETAILS ABOUT THE STUDENT PLAN AND WHAT IT COVERS? For more information, visit studentinsurance.com/Client/946.
WHERE DO I GO TO COMPLETE THE ONLINE WAIVER AND PROVIDE PROOF OF MY COMPARABLE INSURANCE PLAN?
WHEN DOES THE SCHOOL INSURANCE BEGIN?
Visit studentinsurance.com/Client/946.
• Annual coverage begins August 1 and ends on July 31. ends on July 31.
IS THERE A DEADLINE FOR SUBMITTING MY ONLINE WAIVER?
CAN I OPT OUT OF USF’S STUDENT HEALTH INSURANCE PLAN?
Yes. All annual waiver requests must be submitted two weeks after the semester begins. For new students attending in the spring term, the waiver deadline is two weeks after the semester begins.
Students will be given the opportunity to submit an online waiver and provide proof of other insurance coverage.
HOW MANY DAYS DOES THE WAIVER PROCESS TAKE?
• Spring coverage (new students only) begins January 1 and
WHAT IS COMPARABLE COVERAGE? Comparable Coverage is another medical insurance plan from a company that is based in the United States that provides benefits without lifetime maximums or pre-existing condition limitations. Coverage should comply with the Affordable Care Act (the ACA—also called “Obamacare”) and provides benefits the same or greater than
After providing all the required documents, you will receive a response (pending, approved, declined, or need additional information) via email within 1-5 business days.
IF MY WAIVER IS APPROVED, HOW MANY DAYS WILL THE INSURANCE COST TAKE TO BE REMOVED FROM MY ACCOUNT?
the University of St. Francis SHIP.
Please allow 7-10 business days
WHY SHOULD WE CHOOSE THE USF STUDENT HEALTH INSURANCE PLAN?
HOW LONG WILL MY WAIVER LAST?
When considering insurance, you want to make sure that your insurance will cover you for more than just emergency care around the University of St. Francis area. In the next column is a list of plans that typically are not considered Comparable Coverage. Students with these types of plans can find themselves without access to care and having to pay expenses out of pocket.
If you waiver is approved at the beginning of the fall term, that waiver will be applied to the full plan year. All new students enrolling for the spring will need to submit a waiver and is valid through July 31 of that year. Note: Each academic year, you will be required to submit a waiver to opt out of the school’s insurance plan. Waivers do not carry over to the next academic year.