Fall 2020 WAIVER DEADLINE—Friday, September 4th at 5:00pm
Due date for waivers is the 10th class day of the semester. You must upload your proof of coverage and policy (in English) in this application in the Documents section for this application to be considered complete.
If waivers are not completed and submitted with proof of coverage prior to the deadline, they will not be considered for approval, and you will automatically be enrolled in the UNC Student Health Insurance Plan for the current semester. The $1,400 semester premium will be posted to your student bill.
To be eligible to waive participation in the UNC-sponsored health insurance plan, UNC’s Board of Trustees, generally speaking, allows for U.S.-based equivalent insurance coverage as a basis for waiver. In other words, such plans must be comparable with Gold or Platinum plans under the Affordable Care Act (ACA), and provide coverage for all benefits and services included in the UNC SHIP plan. Please see the Insurance Comparability Requirements learning content in this request for additional details and resources.
• Coverage must begin on or before the first day of the academic term in which the student is enrolled and extend through the entire term (or the duration of the Exchange Visitor program, if longer)
• The plan must include both accident and sickness coverage and offer
unlimited annual benefit
• The plan deductible must be $500 or less per individual, per accident/illness per year
• The plan must have maximum out-of-pocket costs $6350 per benefit year
• The plan must include medical evacuation coverage of at least $50,000
• The plan must include repatriation coverage of at least $25,000
• The plan must cover in-network services at 80% or more
• The plan must include preventative services with no deductible or co-pay
The plan must provide the following benefits at a minimum:
• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency</a> services
• Hospitalization (like surgery and overnight stays)
• Pregnancy, maternity, and newborn care
• Mental health and substance use disorder services
• Rehabilitative and habilitative services and devices
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care
• Birth control coverage
• Breastfeeding coverage
Your insurance coverage should also cover testing and treatment in epidemic and pandemic situations.
In addition, plans for J-1/J-2 Exchange Visitors “must be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above or be backed by the full faith and credit of the government of the exchange visitor's home country.
Note: Accident or traveler’s policies do not generally qualify as comparable insurance and cannot be used to waive the university insurance requirements.
Please contact International.Advising@unco.edu or 970-351-2396 if you have questions.
