Student Health Insurance FAQs

• Q. Which students are automatically enrolled in student health insurance?
• A. All traditional students registered for at least 12 credit hours are automatically enrolled in and billed for student health insurance if they do not complete a hard waiver for by the deadline date. A copy of both sides of your current insurance card must be included with the waiver form. The final waiver deadline for fall is September 1.
• Q. How do I waive student health care insurance?
• A. Full time students may waive health insurance coverage if the student presents evidence of other health insurance coverage under a plan that provides benefits equal to or greater than the Student Health Insurance Plan. Students must present evidence of coverage and complete a waiver form by the waiver deadline. A copy of both sides of your current insurance card must be included with the waiver form. Waiver forms are available at the USF web site. They will also be distributed to each student via email and US mail. The first dead line for the waiver is July 7. Those not supplying their waiver by July 7 will see the insurance premium on their bill. The final deadline for waiving health insurance is generally coincides with the add drop date for classes. For the 2008-09 academic year, the waiver deadline is September 1, 2008. After that date the premium will remain on the student bill.
• Q. How can I get student health insurance if I am not automatically enrolled?
• A. Students registered for 12 hours our more can elect to obtain coverage by submitting an enrollment form before the enrollment deadline. The enrollment deadline will coincide with the add drop date for classes. For the 2008-09 academic year, the deadline is September 1, 2008.
• Q. As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan.
• A. The answer depends on your specific circumstances. The following are some factors that might influence you to buy separate student insurance:
  
  1. Your child is nearing the age at which he or she can no longer be covered under your plan. This is usually around the age of 24 years however do check with your insurance company to find out the specific age limits for your current policy.
  2. The HMO or PPO network for your insurance plan does not have physician or hospital coverage in the area around your child's college.
  3. Fills in the gaps by covering your family plan deductibles and coinsurance.
• Q. Can I purchase student insurance for family members (spouse and dependents?)
• A. The Student Health insurance plan is designed for individual college students only and does not cover spouses and/or dependents.
• Q. What type of coverage is provided under the new health insurance plan for the 2008-09 academic year?
• A. USF will offer students a single student health insurance plan that is designed to help control increasing costs while providing students with an excellent student health plans. For the 2008-09 academic year, the plan costs $308 for students and $898 for athletes. The athletic coverage also covers intercollegiate sports injuries.
• Q. If I waived student health insurance last year, do I need to do it again?
• A. Waivers submitted cover that term through August 1. The waiver process must be completed annually during your academic career
• Q. When will I receive my insurance card?
• A. For students who did not submit a waiver by July 7, insurance cards will arrive for the beginning of the academic school year. For those who missed the first enrollment period and do not waive this insurance, a temporary card will be issued. This card will serve as your insurance identification for the entire academic year. If you are enrolling in the health insurance plan for the first time during the spring semester, your card should arrive by the first week of February.
• Q. Does the student insurance provide coverage throughout the year, or just during the school term?
• A. The student insurance provides coverage throughout the year, not just when the school is in session. If you leave school, your coverage continues for the remainder of the policy year.
• Q. When does my coverage begin?
• A. Student coverage begins on August 1 of each academic year.
• Q. Is their help available for my insurance questions?
• A. All students in enrolled in the Student Health Insurance Plan will have access to personal and web resources to answer your questions. This information will be provided with the insurance information to be mailed to each student.

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