Student Insurance Waiver

2015-2016 Waiver Information

Summer A (June) NEW Students ONLY


NEW Waiver Process

THE SUMMER A (JUNE NEW STUDENTS ONLY) WAIVER IS SCHEDULED TO CLOSE FRIDAY, JULY 8TH. 

To apply, please visit https://wfis.wellsfargo.com/OHSU and see below for additional information.

·        Navigate to the appropriate tab, either 'Domestic or International Student 2015-2016' tab to access the medical and dental waivers.

·        Only those who are registered for the current term will be able to submit a waiver. 

·        There are separate online waivers for medical and dental.

·        An automatic pass/fail will be issued after submitting the online waiver.

·        Approved waivers will be good through 9/21/2016. If you wish to continue your waiver through the 16/17 plan year, you will need to re-apply fall term before the deadline.  Please see below for more information on the 16/17 waiver process.

·        The Summer A (June NEW students only) waiver deadline is July 8TH, 2016

·        If the waiver deadline is missed, the next waiver period for returning students will be fall of 2016.

·        Wells Fargo Insurance Waiver Support Team can be reached toll free at 866-769-7600 or via their direct

 

 

 

NEW Waiver Deadlines

THE ONLINE WAIVER SITE IS NOW CLOSED. VISIT THE WEBSITE TO APPLY.

New (JUNE) Students (Summer A of 2016):

New students who start their programs in June of 2016 can apply online for a waiver once they are registered. The waiver deadline for new students will be in line with the registrar's 100% refund deadline. Once a waiver is approved, it is effective through 9/21/2016.  New students who start in June and wish to continue their waiver through the 16/17 plan year, will need to re-apply once the waiver opens for fall term. 

NEW STUDENTS WHO START IN AUGUST/SEPTEMBER & RETURNING STUDENTS SHOULD SEE BELOW FOR THE 2016/2017 WAIVER DEADLINES


2015 – 2016  Summer A (JUNE) NEW Students ONLY



Waiver Deadlines (based on 100% refund dates) 7/8/2016




Waiver Criteria

2015/2016 OHSU Waiver Criteria

Please note, there are two waivers-one for medical and one for dental.  The below criteria is in reference to the medical waiver.  To waive dental, comparable insurance must be demonstrated.

·         Your plan must be effective on or before the start of the insurance term.

o   Fall-9/1/2015

o   Winter-1/4/2016

o   Spring-3/28/2016

o   Summer A (June NEW students ONLY)-6/15/2016

·         Your plan must provide inpatient and outpatient mental health benefits.

·         Your plan must cover at a minimum 80% for inpatient hospitalization.

·         Your plan must provide prescription drug coverage.

·         Your plan must have an unlimited annual benefit.

·         Your individual deductible must be equal to or less than $2, 500.  Please note, if you are J-1 student, your immigration status requires that your insurance plan's deductible cannot exceed $500 per incident.

·         Your plan must provide or authorize medically necessary in-patient and out-patient care in Oregon or your state of domicile (including office visits, behavioral healthcare and ancillary procedures) if studies are based outside of Oregon.

·         Your plan will authorize, if medically necessary, emergent/urgent coverage outside of the state of Oregon or your state of domicile.

·         Your plan must provide coverage internationally and if not a covered benefit, you need to acknowledge personal responsibility to obtain travel benefits if you choose to travel outside of the country

·         International Students : Does your plan have coverage for medical evacuation and repatriation?  Please note, if you are a J-1 student your repatriation must include at least $25,000 in coverage and your medical evacuation must include at least $50,000 in coverage.

 

 

Waiver Appeals

Any student who submits a waiver and is denied has the option to appeal.  Beginning 2015/2016, Wells Fargo Insurance Services will be handling all waiver appeals.  If your waiver is denied, you will be provided the steps of how to submit your online waiver appeal.  JBT Health & Wellness Center is no longer handling the waiver appeals.  All waiver determinations will be based upon the waiver criteria that has been set by OHSU and no exceptions will be made. 

-For inquires about a waiver appeal or the status please call Wells Fargo at 866.769.7600 or them directly.

Qualifying Life Event-Aging off, birth, divorce

Students who are approved for a waiver and then experience a qualifying life event (age off a parental plan, loss of spousal insurance, cancellation of policy, etc.) are eligible to enroll in the Student Health/Dental Insurance Plan.  Please notify the JBT Health & Wellness Center within 31 days of the event.  Enrollment would be for the full term period and coverage would begin the date coverage was lost. 

2016-2017 Waiver Information

Summer B (August) NEW Students 

Fall (September) NEW and RETURNING Students


Waiver Application Process

The 2016/2017 waiver process will be managed by our broker, Wells Fargo Insurance Services.  The waiver process will be online only.  There will be a separate application for medical and dental.  If you wish to waive off both the student medical and dental insurance, you will need to complete two separate online waiver applications (SEE WAIVER LINKS BELOW).  You will only be able to waive once you are registered for the current term.  It is anticipated that the waiver site will open approximately one month prior to the term start date.  Once approved, your waiver will be good through 9/21/2017

Waivers for the 16/17 plan year will being with Summer B (August) NEW students and continue on with Fall NEW and Returning students.  Once approved, waivers will be good through 9/21/2017. 


ALL RETURNING STUDENTS (Including Summer A NEW students) MUST TAKE ACTION FALL TERM OF 2016 IN ORDER TO CONTINUE THEIR WAIVER.

To apply, please see below for additional information.

·        Only those who are registered for the current term will be able to submit a waiver. 

·        There are separate online waivers for medical and dental.

·        An automatic pass/fail will be issued after submitting the online waiver.

·        Approved waivers will be good through 9/21/2017.

·        If the waiver deadline is missed, the student will have to wait until the following term waiver period to apply.

·        Wells Fargo Insurance Waiver Support Team can be reached toll free at 866-769-7600 or via their direct email

Waiver applications

To apply, please use the following links.  You must be registered for the current term in order to be eligible to apply.

DOMESTIC STUDENT MEDICAL INSURANCE WAIVER

INTERNATIONAL STUDENT MEDICAL INSURANCE WAIVER

DENTAL INSURANCE WAIVER

Waiver Deadlines

New Students-Summer B (August starts) or Fall term (September starts):

New students who start their programs in August or September will have an online process to apply for a waiver once they are registered for that term. The waiver deadline for new students will be in line with the registrar's 100% refund deadline. Once approved, they do not need to reapply as their waiver will be good through 9/21/2017.

Returning Students:

Returning students who wish to continue their waivers or students without previously approved waivers who now wish to apply, NEED TO TAKE ACTION FALL TERM PRIOR TO THE WAIVER DEADLINE.  Waivers are completed online and there are separate waivers for medical and dental. Students cannot apply until they are registered and the waiver has been opened for that term.  Waiver deadlines are in line with the registrar's 100% refund deadline.  Students who were approved for a waiver in 2015/2016 NEED TO TAKE ACTION if they wish for their waiver to continue for the 2016/2017 academic year. Once approved, waivers will be good until 9/21/2017.  If students miss a waiver deadline and would like to waive out of subsequent terms for the 16/17 academic year, they must wait until the next waiver period and then submit their waivers by the 100% refund date established by the registrar.   Once a waiver is approved, it is good through 9/21/2017. 

2016 – 2017
Summer B (August) NEW Students ONLY
Fall   Winter  Spring/Summer  Summer A      (NEW Students ONLY)
Waiver Deadlines (based on 100% refund dates) 8/19/2016 10/7/2016 1/20/2017 4/14/2017
7/7/2017

Waiver Criteria

Beginning with the 16/17 plan year, domestic students will have a waiver application that requires an attestation which is in draft form below.  International students will continue with the same waiver requirements as 15/16 (please reference the requirements under 15/16 for a list of these).  

Please note, there are two waivers-one for medical and one for dental.  The below criteria is in reference to the medical waiver. 

To waive dental, the only requirement is that comparable insurance must be demonstrated.

Once your waiver is approved, it will be good through 9/21/2017 and you need not re-apply each term.  The waiver site will not open until approximately a month prior to the term start date.  You MUST be registered in order to be able to waive.  Once registered, please give the system 48-72 hours to update your eligibility.

·         Your plan must be effective on or before the start of the insurance term.

o   Summer B-8/1/2016

o   Fall-9/22/2016

o   Winter-1/9/2017

o   Spring-4/3/2017

o   Summer-6/15/2017


If you already have a health insurance plan that you feel is comparable to the SHIP and wish to apply for a waiver from the  OHSU Student Health Insurance plan, please be prepared to attest to the waiver requirements below which you will be asked to do on the 16/17 waiver application.  If you do not have the answers to the questions listed below, you should contact your insurance company to collect all the information  prior to applying. It is important to note that the SHIP offers world-wide coverage while many comparable health insurance plans through the federal exchange or the Medicaid system (Oregon Health Plan) may only have limited coverage and/or networks if leaving your local area which could result in limited or no benefit coverage.


Domestic Plan Waiver

I understand that I am applying to waive out of the University Sponsored Student Health Insurance Plan. Should I wish to enroll in the Student Health Insurance Plan, I understand that I must do so during the open enrollment windows that begin at the start of every term.

I attest that I have healthcare coverage that is in place by the start of the term and that this coverage meets the below requirements. I understand that OHSU recommends that student coverage be at a silver, gold or platinum metallic level (https://www.healthcare.gov/choose-a-plan/plans-categories/). I will maintain this coverage for the entire duration of the 16/17 academic year. 

·        My plan provides both local and national coverage

·        My plan meets the requirements of the Affordable Care Act, including, but not limited to, coverage for pre-existing condition, coverage minimum and maximums, and deductibles

·        Licensed to do business in the U.S.

·        Plan includes pharmacy benefits

·        I have active Medicaid, Medicare or Veterans coverage that meets all the criteria above.


My signature indicates my attestation that my healthcare coverage meets the above requirements and is in effect from the start of the term. I understand that OHSU recommends that student coverage be at a silver, gold or platinum metallic level (https://www.healthcare.gov/choose-a-plan/plans-categories/). I will maintain this coverage for the entire duration of the 16/17 academic year. Should I lose coverage at any point during the academic year, I will either obtain another comparable plan or notify the JBT Health &Wellness Center of my need to enroll in the Student Health Insurance Plan. I assume financial responsibility for any healthcare costs assumed from my choice to waive out of the University Student Health Insurance Plan. 

I understand that my attestation of coverage is subject to the code of conduct and that any violation of this would result in disciplinary action.


Waiver Appeals

Any student who submits a waiver and is denied has the option to appeal. Wells Fargo Insurance Services will be handling all waiver appeals.  If your waiver is denied, you will be provided the steps of how to submit your online waiver appeal.  JBT Health & Wellness Center is no longer handling the waiver appeals.  All waiver determinations will be based upon the waiver criteria that has been set by OHSU and no exceptions will be made. 

-For inquires about a waiver appeal or the status please call Wells Fargo at 866.769.7600 or email them directly.

 

Qualifying Life Event-Loss of coverage

Students who are approved for a waiver and then experience a qualifying life event (age off a parental plan, loss of spousal insurance, cancellation of policy, etc.) are eligible to enroll in the Student Health/Dental Insurance Plan.  Please notify the JBT Health & Wellness Center within 31 days of the event.  Enrollment would be for the full term period and coverage would begin the date coverage was lost.