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University of Southern California
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What is the waiver
criteria?
What is the waiver criteria?
If you wish to opt out of the USC Student Health Insurance Plan, you may submit an online waiver request. Your comprehensive health insurance plan must meet the University¡¯s general requirements listed below. Please note that additional criteria may also be necessary in order for your waiver to be approved. General Criteria:
- Students taking courses at our UPC or HSC campuses must have coverage that is comprehensive with no major exclusions and have in-network providers (hospital and doctors) in the Los Angeles area.
- Satellite campus and online distance learners must have comprehensive coverage with no major exclusions and have in network providers in the zip code where they live and take classes.
- Provide continuous year-round coverage while you are a student at the University of Southern California.
- Your insurance plan must meet Affordable Care Act (ACA) criteria. Only plans in compliance with ACA criteria will be accepted. (No major exclusions such as maternity or mental health coverage allowed).
- Cover preventive care services at 100%.
- Your plan must have no pre-existing condition exclusion; if the plan has a pre-existing condition waiting period, that period has expired.
- Your plan must have no per-injury or per-illness maximum benefit limits.
- You plan must cover medical services for injury from participation in all types of recreational activities or amateur sports.
- Have an annual combined deductible and out-of-pocket expense of $7,350 or less.
Upon request, you must be able to provide a copy of:
• Verifiable proof of coverage with student¡¯s name (ID card, insurance policy or letter from insurance carrier.)
• Plan document(s) in English, with currency amounts converted to U.S. dollars, and an insurance company contact phone number in the U.S. is mandatory. All claims must be processed in the U.S. and paid directly to U.S. providers. Some of the reasons you may not be granted a waiver include:
• Most international plans are not accepted.
• Out of state plans with regional coverage only and Medicaid insurance is not accepted.
• If your current policy is not compliant with the Affordable Care Act.
(does not apply to online students)
If you are automatically
enrolled in the USC Student Health Insurance Plan and want to opt out, you
may submit an online waiver request if your comprehensive health insurance
plan meets the University¡¯s requirements listed below.
In order
to waive the USC Student Health Insurance Plan, your insurance plan must:
• Your health
plan must have in-network providers (hospital and doctors) in the Los Angeles
area. (on-campus students
only) Emergency/urgent care only is not accepted for waiver.
• Provide continuous year-round coverage while you are a student at the
University of Southern California.
• Your insurance plan must meet Affordable Care Act (ACA) criteria. Only
plans in compliance with ACA will be accepted. (No major exclusions such as
maternity or mental health coverage allowed).
• Cover preventive care services at 100%.
• Have an annual combined deductible and out-of-pocket expense of $6,600 or
less.
Upon
request, you must be able to provide a copy of:
• Verifiable
proof of coverage with student¡¯s name (ID card, insurance policy or letter
from insurance carrier.)
• Plan document(s) in English, with currency amounts converted to U.S.
dollars, and an insurance company contact phone number in the U.S. is
mandatory. All claims must be processed in the U.S. and paid directly
to U.S. providers.
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