Waiver Requirement for Student Health Insurance

Students must complete the waiver process to opt out of the University-sponsored health insurance plan.

• All matriculated graduate and professional students, including international students, are required to maintain health care coverage.
• Action must be taken each academic year; waiver information doesn't roll forward from year to year.
• Students are enrolled in and charged for the RFU sponsored student health insurance plan if they fail to submit a wavier by the deadline or are denied for any reason.
• Pending policies do not meet the student insurance verification requirement and are not accepted as coverage.

What does this mean?

Under the health insurance waiver program, RFU requires students who are registered full time to:

1. Carry health insurance that meets specific coverage requirements; and
2. Provide proof of this insurance on an annual basis or when requested by the university.

If proof of a student's alternate health insurance coverage is not submitted (whether a student fails to submit any documentation or because a student's health coverage is determined not to provide adequate qualifying coverage); the student will be responsible for the full cost for single coverage under the University-endorsed Academic Blue Student Health Insurance Plan.

What is Qualifying Coverage?

Qualifying coverage is coverage that meets the minimum standards as defined by the ACA and ÎÞÂëȺ½».

Waiver applications will be denied if the plan does not provide the following:

• Medical coverage must currently be active.
• Medical coverage must be ACA Compliant
  • Cannot contain exclusions or waiting periods for pre-existing conditions
  • Must have coverage for the ACA defined minimum Essential Health Benefits
  • No lifetime, per year, or per sickness limits on benefits
  • Preventative care must be covered at 100%
  • Individual in-network deductible cannot exceed $9,400
  • Individual in-network, out of pocket maximum cannot exceed $9,400
• If I am an F1 student, my plan must cover medical evacuation and repatriation expenses (no exceptions).
• If I am a domestic student (or have a different visa status than noted above), my plan must cover medical evacuation and repatriation expenses only if I will be studying/traveling/doing research out of the U.S. during this academic year.