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Minimum Coverage GuidelinesAll health insurance plans should adhere to the Affordable Care Act¡¯s regulations. Proof of comparable coverage or the minimum coverage guidelines that can be used to see if you are eligible to ¡°opt out¡± of the Student Health Insurance Plan for domestic students are defined as:- Your plan does not have any limitations or exclusions on pre-existing conditions.
- Your plan covers hospital stays for medical and surgical care and for mental health conditions.
- Your plan covers doctor office visits for medical and mental health conditions.
- Your plan covers prescriptions written by a doctor. (If you are covered for prescription benefits through a third party vendor – Merck Medco, CVS Caremark, Express Scripts, etc., that is acceptable.)
- Access to a provider network within approximately an 80 mile radius of the student¡¯s home campus is available. Coverage must be available for routine, specialty, diagnostic, urgent and hospital care. Coverage for urgent or emergency care only IS NOT sufficient.
- Your plan covers services related to injury from participation in all types of recreational activities or recreational sports, excluding intercollegiate athletics.
- If your plan has an annual deductible, EITHER:
- It must be equal to or less than $1,500; OR
- You confirm you have financial means to meet the higher deductible amount
- If you are female (males please check ¡°Yes¡±), EITHER:
- Your plan covers maternity care, including prenatal care and delivery with no pre-existing condition limitations; OR
- You confirm you have financial means to cover maternity care, including prenatal care and delivery
- Your plan provides coverage for diagnostic services, including laboratory tests.
- Your plan pays at 70% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 50% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness.
- If you are an international student, your plan covers:
- Repatriation of remains in the amount of $25,000 or more
- Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000 or more
PLEASE NOTE: Travel plans, County Medical Service Plans (CMSP), or reimbursement plans will not be accepted as comparable coverage.
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http://healthcompliance.shcc.ufl.edu/insurance/proof-of-comparable-coverage/
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How do I complete a waiver?
Everything can be done
online! You will need your current health insurance card and your
GatorLink username and password to log in to the waiver system.
1. Go to
the following website: https://my.shcc.ufl.edu/waiver/
2. Log in using your Gatorlink
username and password
3. Click green button at the
bottom of the screen ¡°Add New Waiver¡±
4. Answer the questions and click
¡°Submit¡±
5. Enter insurance information
and click orange button ¡°Submit¡±
6. The waiver will be processed
in 3 to 5 business days.
7. Log back in to the waiver site
to check the verification status.
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Annual
08/16/18 – 08/15/19
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Waiver Instructions.
Insurance Waiver Deadlines:
Summer A/C 2018 – May 19th, 2018 Summer B 2018 – July 13th, 2018 Fall 2018 – August 31st, 2018 Waivers are only valid for 1 year or 3 semesters from the time of submission.
How do I complete a waiver?
1. Go to the following website: https://my.shcc.ufl.edu/waiver/ 2. Log in using your Gatorlink username and password 3. Click green button at the bottom of the screen ¡°Add New Waiver¡± 4. Answer the questions and click ¡°Submit¡± 5. Enter insurance information and click orange button ¡°Submit¡± 6. Log back in to the waiver site to check the verification status in approximately 3 to 5 business days (as the deadline approaches this time may be delayed) PLEASE NOTE: This insurance information is not provided to the Student Health Care Center for billing related to services rendered. If you would like the clinic to bill the insurance you entered in the waiver system, please fill out the Student Health Care Center¡¯s online insurance verification form. The online insurance verification form DOES NOT replace the insurance waiver. Tips for successful waiver completion:
Before logging in, call your insurance company to review the requirements. This will allow you to easily answer the waiver system¡¯s questions yes/no about your coverage and then submit your policy information for verification.
If you don¡¯t find your insurance company in the list, you can add it by typing the name and then selecting ¡°Add¡¦¡± underneath the textbox.
If you have a government sponsored insurance plan or insurance card does not have the specific fields requested, please enter ¡°99999¡± into the text field.
Keep in mind, submission of a waiver does not guarantee that the waiver will be accepted. If the waiver fails to meet the minimum coverage guidelines, you will be notified by email and billed for the semester.
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