Opt-Out/Waiver

International Students: If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:

Summer 2024/2025 - 05/01/2025 - 07/05/2025

New & Returning Fall - 07/15/2025 - 09/14/2025

Spring/Summer - 12/02/2025 - 02/01/2026

Summer - 05/01/2026 - 07/05/2026

INTERNATIONAL F VISA STUDENTS ENROLLMENT ACTIVATION AND WAIVER

Non-immigrant International students, who are carrying hours, will be automatically enrolled and charged for health insurance coverage each semester to satisfy the University policy regarding maintaining acceptable health insurance coverage.

ACTION REQUIRED:  All international F VISA STUDENTS are enrolled by the University and have been billed for the Student Insurance. If you have alternate coverage that meets the below criteria and wish to waive the fee, you must submit a waiver.

WAIVER REQUEST: Non-immigrant International students, who hold an F Visa and are carrying hours, will be automatically enrolled and charged for health insurance coverage each semester to satisfy the University policy regarding maintaining acceptable health insurance coverage.

A waiver of the health insurance fee may be requested online with proof of acceptable alternate insurance.

In order to be approved for a waiver of enrollment in the Student Health Insurance Plan (SHIP), your alternative health coverage must meet or exceed the requirements as set forth below and be submitted by the waiver deadline date.  Please be advised that the waiver request will be reviewed for compliance and verified active with the insurance carrier.  Notification of acceptance or rejection of this request will be sent to your University email within seven business days.

A. An international student may request a waiver of this mandatory health insurance fee in the following instances with proof of acceptable alternate insurance.

1. The student is sponsored by the U.S. government, the government of the student’s home country is recognized by the U.S. or by certain international, government-sponsored, or non-governmental organizations, if the sponsor has provided a plan equivalent to the SHIP or a letter guaranteeing payment of all health care expenses.
2. The student is enrolled in an employer-provided group health plan which is equivalent to the SHIP.

If medical evacuation and repatriation that equals the amounts as compared to the SHIP are not included in an otherwise acceptable policy, a rider must be purchased.

B. All International Students with F visa status must meet all of the following minimum requirements:

1. Medical/preventative care benefits equivalent to the UHS-endorsed Student Health Insurance Plan with no annual limits. 
2. International “F” Student Visa Holders must have a policy whose deductible does not exceed $1,500 (individual)/$3,000 (family) annually.
3. Contains no exclusions for pre-existing conditions.
4. Imposes no provisions for co-insurance that exceed 25% of the covered benefits.
5. Medical evacuation coverage amount is no less than $50,000.
6. Repatriation coverage amount is no less than $25,000.
7. Dates of coverage meet or exceed the requirement for the SHIP coverage period.
   • Summer Coverage- 06/05/2025 - 08/14/2025

NOTE:  Individual plans, travel plans, or plans that require individuals to pay for treatment before being reimbursed will NOT be accepted for waiver approval.

If your alternate coverage meets the above minimum requirements, submit electronic copies of the following documents with your online waiver request:

1. A scanned copy of the front and back of your health insurance ID card indicating the student as a covered member.
2. A scanned copy of your complete policy, including coverage amounts, exclusions, and limitations in English using US dollars.
3. A scanned copy of your medical evacuation and repatriation coverage (if you have this coverage).

Once you login, select the ‘WAIVE’ button under the “I Already Have Health Insurance.” Section.

Click Here To Submit Your Waiver Request

Please see the ‘AHP Waiver System – Student Training’ link below for a video tutorial on how to use the Waiver System.

Please contact Academic HealthPlans at help.ahpcare.com if you have questions.