UC Hastings requires all enrolled students to have health insurance coverage. UC Hastings has partnered with the University of California to offer students access to the University of California Student Health Insurance Plan for graduate students (UC SHIP). If you have other major medical health insurance comparable to UC SHIP and don't wish to have the advantages of dual coverage, then you can submit an online Health Insurance Waiver form to discontinue your enrollment in UC SHIP and receive a credit for the health insurance fee. Students who successfully waive UC SHIP must have proof of coverage by another medical health insurance plan that meets UC Hastings' minimum criteria.
All students are automatically enrolled in and billed for UC SHIP every Fall. Students who have successfully waived out of UC SHIP in the past, must re-submit new waivers every Fall.
What is the UC Graduate Student Health Insurance Plan (UC SHIP)?
UC SHIP is a comprehensive major medical insurance plan, providing medical, counseling, prescription, vision and dental services. The year-round plan, which uses the Anthem Blue Cross PPO network, is tailored to meet the health and wellness needs of graduate students. Remember, all students can use Student Health Services, whether they have UC SHIP or not.
Considering waiving out of Student Health Insurance?
If you already have health insurance coverage, and that insurance plan meets UC Hastings' minimum criteria, you may request to waive out of UC SHIP by submitting a waiver form online. Before you complete the waiver form, first verify your current insurance plan provides primary care and emergency care in the San Francisco Bay Area. Some insurance plans require that you visit their own network providers to receive care, and in some cases, such networks may not be available within the San Francisco Bay Area.
If you have verified that network coverage is available within the San Francisco Bay Area, please complete the waiver criteria worksheet prior to proceeding. If you do not have the answers to the questions listed on the worksheet, you should contact your insurance company to collect all the information prior to completing the online waiver form.
Waivers must be submitted each academic year.
If you did not waive SHIP for the Fall semester, you can still waive SHIP for the Spring/Summer semester.
The Waiver System opened on July 15, 2014.
The FINAL Waiver deadline is September 5, 2014
What are the requirements for waiving out of UC SHIP?
Please note that UC Waiver Criteria has changed for the 2014-2015 academic year.
In order to waive enrollment in UC SHIP, you must have a medical insurance plan that meets ALL of the following UNIVERSITY OF CALIFORNIA minimum health care criteria:
UC Student Health Insurance Waiver Criteria for the 2014-15 Academic Year
To satisfy the UC health insurance requirement for students, the plan held by the student must:
1) Be a Medi-Cal, Medicare or Tricare/military insurance policy
2) Be an employer-sponsored group health plan or individual plan (including plans purchased through Covered California) that meets the following criteria:
a) Has no pre-existing condition exclusion; if the plan has a pre-existing condition waiting period, that period has expired
b) Has no maximum lifetime benefit limit
c) Has no per-injury or per-illness maximum benefit limits
d) Has an annual out-of-pocket maximum of no more than $6,350. Deductibles, copayments and coinsurance paid by the member accrue toward meeting the out-of-pocket maximum. A higher out-of-pocket maximum is allowed if the subscriber has a Health Savings Account funded sufficiently to reduce the total out-of-pocket expenses to $6,350 or less.
e) Has coinsurance of no greater than 20% (that is, the plan pays 80% of the allowed amount for services subject to coinsurance).
f) Covers the following services (ACA Essential Health Benefits):
i) Preventive health care services, including an annual physical exam, preventative immunizations and laboratory/diagnostic tests to help determine your state of health
ii) Chronic disease management for such conditions as asthma, diabetes or other chronic medical conditions
iii) Hospital stays for medical and surgical care
iv) Hospital stays for mental health and alcohol/drug abuse conditions, covered the same as any other medical condition
v) Doctor office visits for medical, mental health, and alcohol/drug abuse conditions
vi) Emergency room services
vii) Diagnostic services including laboratory tests
viii) Medications prescribed by a doctor (including contraceptives)
ix) Pre-natal and maternity care, with no pre-existing condition limitation
x) Medical services related to injury from participation in all types of recreational activities or amateur sports
g) For international students, the following criteria also apply. The plan must:
i) not be a health care reimbursement arrangement with the student’s home country or another party.
ii) have policy written in standard English with benefits expressed in U.S. dollars
iii) have a claims payment office with an address in the United States
iv) pay at least $10,000 annually for medical evacuation
v) pay at least $7,500 for repatriation of remains
3) Under any type of plan, the student must have an in-network doctor and hospital providing full non-emergency medical and behavioral health care within 30 miles of the campus or the student’s place of residence while attending school.
REMEMBER! You can submit the waiver form one time ONLY. After the waiver from is submitted, you will receive a “waiver Accepted” or “waiver Denied” page based on the answers provided on the waiver from. You will NOT be able to access the waiver system again to make any corrections, so it is important that you have all the correct information before submitting the waiver form.
The Waiver System opens on July 15, 2014.
The FINAL Waiver deadline is September 5, 2014
The waiver system is now open.
Apply for the Insurance Waiver online.
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