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Waiver FAQs

  1. What if I miss the July 1 or January 10 deadline?
  2. How do I know if I need to submit proof of other insurance by completing a Waiver Request?
  3. What if I cannot provide proof of insurance by the posted deadline?
  4. What if my current insurance plan may change in the future during an open enrollment period?
  5. What if my insurance information changed after my waiver request was submitted and approved?
  6. What if my current insurance provides coverage for the entire Fall term but not for the entire Spring term?
  7. What if my current insurance provides coverage for the entire Spring term but not for the entire Fall term?

1. What if I missed the July 1 or January 10 deadline?

At the discretion of the Business Manager of the Student Health Center, in consultation with the SHC Director and the VP of Student Affairs, it may be possible to submit a Waiver Request for consideration after the deadline. Please contact the [[sthlth, Student Health Center]], 757-221-4386 to inquire about whether Waiver Requests are still being considered. Typically, the College continues to accept waiver requests one month into the academic semester. It is important to note that there is a point each semester at which Waiver Requests may no longer be submitted and will not be considered. If you have been billed for the Student Health Insurance and Waiver Requests are still being considered, upon approval of your Waiver Request, the charge will be removed from your Student Account within 3-5 business days. You will see the posted credit under the Unbilled tab of your Student Account - Statement & Payment History. If you have been billed for the Student Health Insurance and the waiver period has already ended, you are responsible for these charges and if they aren't paid within 30 days of the due date, the Bursar's office will place a financial hold on your student records that will prevent registration, transcript processing or receipt of your diploma.

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2. How do I know if I need to submit proof of other insurance by completing a Waiver Request?

If you were admitted to the College (or your academic program) Fall 2006 or after and you are registered for full-time credits, then you are expected to provide the College with proof of insurance each academic year or you will be enrolled in and billed for the Student Insurance. Part-time students (including graduate students on Continuous Enrollment) and students admitted to the College before Fall 2006 are not required by the College to have health insurance as a condition of enrollment so these students do not need to submit a waiver request. If part-time or continuous enrollment students are enrolled and billed for the Student Insurance, please contact us to correct this error as you are not eligible for nor should you enroll in the Student Insurance.

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3. What if I cannot provide proof of insurance by the posted deadline?

If, for whatever reason, you cannot furnish proof of other insurance by submitting a Waiver Request by the posted deadline, then you will be billed for and enrolled in the Student Insurance Plan. Unfortunately, we cannot make exceptions to this procedure. However, you will be able to furnish the College with proof of other insurance later by submitting a Waiver Request through at least the Add/Drop period. It isn't necessary to make a formal request to have the charge removed from your student account. Upon approval of your Waiver Request, the charge will be removed from your Student Account within 3-5 business days as long as you haven't utilized the Student Insurance plan. You will see the posted credit under the Unbilled tab of your Student Account - Statement & Payment History. Requests to have the Student Health Insurance charge removed from your student account beyond Add/Drop should be directed to the [[clharr, Business Manager]] of the Student Health Center. See FAQ #1 for more information.

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4. What if my current insurance plan may change in the future during an open enrollment period?

Almost every insurance plan has an open enrollment period in which changes to the health insurance plan (including enrollment in an alternate plan) may be made. These changes to the health insurance plan would usually take effect after the open enrollment period on either July 1 for plans following a fiscal year and January 1 for plans following a calendar year. If you do not anticipate any changes to your insurance plan or carrier, the please provide the College with your CURRENT insurance information making the assumption that everything will remain the same and that this insurance plan WILL provide coverage for both the Fall and Spring academic terms. Your waiver request will be approved. If insurance changes do occur at a later date, then you should complete and submit a Notice of Change of Insurance.

If you know your insurance plan will be changing July 1, then please provide the College with your NEW insurance information even though you may not have an assigned ID number yet. Simply provide the master policy or group number in the Policy Number field. Your waiver request will be approved.

If you know your insurance plan will be changing January 1, then please provide the College with your CURRENT insurance information and correctly respond to the two waiver questions--Yes, your health insurance DOES provide coverage for the entire Fall term and No, your health insurance DOES NOT provide coverage for the entire Spring term. Your waiver request will automatically be denied by the system AND then you must complete the Waiver Decision Appeal form to provide the College with your extenuating circumstances and so that your waiver request can be manually reviewed. A partial waiver for the Fall only may be granted and then you will have another opportunity at a later date to submit a waiver request for the Spring term. 

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5. What if my insurance information changed after my waiver request was submitted and approved?

You will need to file a Notice of Change of Insurance form so that the Student Health Center has the most up-to-date insurance information on file. This is especially important to ensure that you are compliant with the Insurance Requirement and also to ensure that the Student Health Center has the most up-to-date insurance information should they need to refer you for health care by an outside provider or medical facility.

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6. What if my current insurance provides coverage for the entire Fall term but not for the entire Spring term?

Complete the Waiver Request providing the College with your current insurance information.  Answer the waiver questions correctly indicating that your current insurance DOES cover you for the entire Fall term but DOES NOT cover you for the entire Spring term.  Your waiver request will automatically be denied by the system. In the onscreen and/or separate email denial confirmations, there will be a link to the 2013-2014 Waiver Decision Appeal form, complete and submit the Appeal form providing the College with more information about when your current insurance coverage expires and what you intend to do for insurance coverage once your current insurance expires. If you intend to purchase the Student Insurance Plan for the Spring/Summer coverage, you should also submit a 2013-2014 College Enrollment Request form for this coverage period only to ensure that you are correctly enrolled in and billed for the Student Insurance since you submitted a Waiver Request also.  Then wait for an email notifying you of the appeal decision.

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7. What if my current insurance provides coverage for the entire Spring term but not for the entire Fall term?

You may be enrolled in the Student Insurance Plan for the Fall term and then submit a Student Insurance Spring Waiver Request to waive the coverage for the Spring semester if your insurance coverage will be changing and you will have other adequate health insurance covearge for the Spring term. It is important to note that you won't be able to submit a Waiver Request for the Spring term at the beginning of the school year because you will not have the other policy information needed to complete the request, so you MUST wait until the Spring Waiver Rquest is open and accepting submissions in mid-November or the beginning of December to file proof of other insurance for the Spring term.  You may wish to mark your calendar as a reminder.  If your student account has already been billed the Health Insurance Policy - Spring charge, please allow 3-5 business days from when your Spring Waiver Request is approved for the credit to post to your Student Account. 

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