FirstStudent and First Risk Advisors, Inc. are now UnitedHealthcare Companies

Saint Mary's College of California

Our Partner in Good Health

Enroll Now - Health Insurance


Welcome to the Student & Dependent Enrollment Center! Here you will find all the necessary tools to enroll in your school sponsored policy.

We suggest you review the certificate for your rates, effective dates and optional coverages before starting the enrollment process. The plan’s benefits can be found in the certificate within the Schedule of Benefits section with the exclusions towards the back.


2022-2023 Enrollment Information


View your school’s CERTIFICATE

International Undergraduates

You are required to purchase this plan on a mandatory basis and do not have the option to waive.  You will be enrolled in the plan at registration.  No Further action is needed.


Hard Waiver Student Eligibility

  • All Full -Time Domestic Undergraduate Students (Including those on a disability exception)
  • All Registered International Graduate Students

Are considered Hard Waiver Students and are automatically enrolled in this insurance plan unless proof of comparable coverage is furnished.

Automatic enrollment takes places after the annual enrollment deadline. To avoid future reminders or to use you insurance before this date, please follow the instructions below.

 


Hard Waiver Student Enrollment Instructions

Enrollment Deadlines:

International Graduates and Domestic Undergraduates

  • Annual Deadline:  9/6/22 – Closed
  • Spring/Summer Deadline: 2/1/23 (new incoming students only)


International Graduates in the School of Business:

  • Students starting in July: 8/12/22
  • Students Starting in October: 10//22
  • Students Stating in January: 2/1/23
  • Students starting in April: 4/21/23



If you have missed the hard waiver enrollment deadline, but have not previously waived out of the insurance, you will be automatically enrolled in the insurance by your school, after the waiver deadline.

If you have previously waived out of the insurance but have since lost coverage due to a Qualifying Life Event please contact us  within 30 days of the event.

Please note: If you do not enroll for the year during the fall open enrollment period, you will not be able to enroll later during the 2022-2023 school year without experiencing a “Qualifying Life Event”. This means that the loss of coverage is no fault of your own or the policyholders (i.e. you get married or become too old to be on a family plan). You will be eligible to enroll within thirty days of this “Qualifying Life Event”. After thirty days, you will no longer be eligible.


Dependent Enrollment Instructions

Eligible students who do enroll may also insure their dependents. Eligible dependents are the student’s spouse and dependent children under 26 years of age.  Please see the Enrollment Instructions below.

Deadlines:

 International Graduates and Domestic Undergraduates

  • Annual Waiver Deadline: 9/6/22 – Closed
  • Spring/Summer Waiver Deadline: 2/1/23 (New incoming students only)


International Graduates in the School of Business:

  • Students starting in July: 8/12/22
  • Students Starting in October: 10/31/22
  • Students Stating in January: 2/1/23
  • Students starting in April: 4/21/23

 

Enroll by Mail

 

To enroll by mail-download an enrollment form and submit by mail using a check or money order. The mailing address is listed on the back of the Enrollment Forms.

The effective date of your dependent’s coverage will be start date of the coverage period you enrolled in

If you did not enroll your dependent during the annual open enrollment period but your dependent has since lost coverage due to a Qualifying Life Event please contact us within 30 days of this event.


Open Enrollment Periods

Open Enrollment Periods for all Dependents and Students: If you have eligible dependents in the Fall or are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline mentioned above, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event” during the year.

 

*For new dependents or new or renewing students in the Spring semester, your open enrollment deadline is February 1, 2023.


Qualifying Life Event

Students who did not enroll themselves or their dependent(s) during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event.

Qualifying Life Events include:

  • Acquiring a new family member
  • Marriage/Civil Union
  • Divorce
  • Loss or change of Job
  • Expiration of Benefits


If you and/or your dependents meet the requirements for a Qualifying Life Event, you will need to provide the following:

  • Proof of qualifying life event/proof of involuntary loss of coverage
  • Enrollment Form
  • Payment


All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student or dependents will no longer be eligible to enroll in the plan, until fall of the following school year.

To enroll, you must submit an enrollment form, letter from your prior insurance company documenting your loss of coverage and payment within 30 days of the qualifying event. If all three items are received by the deadline coverage will be effective as of the first day without coverage under your prior plan.


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