Enrollment & Waiver FAQ
1. What is an online waiver, and why do I have to submit one?
Some schools require students to have Health Insurance in order to attend. This is to protect you from having to interrupt your academic progress due to unexpected medical bills. If your school requires you to have Health Insurance, you will have the option to either purchase the insurance offered through your school or if you are already covered under your own plan, provide proof of your coverage by completing an online waiver. Your coverage must meet all of your school’s Insurance Requirements in order for your waiver to be approved. If you do not complete a waiver or if your coverage does not meet your school’s requirements, you will be automatically enrolled in your school plan and charged on your student account. Please visit your school’s ‘Waive your school’s Insurance’ page on our website for instructions on how to complete a waiver.
Once the waiver process is completed an email will be sent to the school issued email address confirming the status of the waiver. Please be sure to follow instructions if additional information is requested.
2. Who is required to submit a waiver?
Not all students are required to submit a waiver. In order to confirm if you are required to complete a waiver, please visit the ‘Waive Your School’s Insurance’ page on our website and read the requirements listed under ‘Hard Waiver Student Eligibility’. If you meet these requirements, then you are required to submit a waiver and you will need to follow the instructions to complete the waiver prior to your school’s deadline.
3. Will my insurance be accepted?
The only way to know if your insurance will be accepted is to submit the online waiver. You will be sent an email to your school-issued email address within 24-48 hours confirming the status of your waiver once you complete the waiver online. Please visit your school’s ‘Waive your school’s insurance page” on our website for instructions on how to complete a waiver.
4. What happens if I don’t submit a waiver?
If you meet the requirements of a Hard Waiver Student you are required to submit a waiver either annually or by semester depending on the guidelines of your school, and you will be given ample time to do so. Students who do not submit a waiver by the deadline date are automatically enrolled into the insurance provided by their school at the end of the waiver period. Once enrolled coverage cannot be canceled. Students who missed the deadline are welcome to send in an appeal to our customer service department. To do so, please visit our Contact Us page to fill out the Contact Form. This will direct your email through to our Customer Service department.
5. I have an approved waiver, why is there still a charge on my account?
It can take up to 7 business days for the charge to come off your account after receiving your approved waiver email confirmation. If it has been more than 7 business days, please reach out to your school regarding the charge. We do not handle the billing on your student account in our office it is done through your school.
6. I don’t have my insurance information yet because I’m still in the initial application process. What should I do?
Please visit our Contact Us page to submit an email to our Customer Service Department. Please be sure to include as much information as possible regarding your current situation.
7. I submitted my waiver and additional information was requested (such as an ID Card, Letter of Eligibility, SBC etc). How can I submit this information?
Please fax this information to (267) 880-2301. Please be sure to include your first and last name, the name of the school you attend as well as your student ID number. If you do not include the above information we will be unable to review your waiver and your waiver will remain declined.
8. I submitted my waiver and it was declined. What should I do?
Your waiver may have been denied due to one of the following reasons:
- Coverage could not be verified
- Incorrect member ID, policy number, or DOB provided (you may have been transposed this information)
- Incorrect spelling of the first or last name
- Your policy is considered an Out-of-State Medicaid
- Incorrect Insurance Company name was provided
- Based on the information provided, your policy does not meet your school’s requirements.
You should have been sent specific instructions to your school issued email account with steps you may take if you feel your waiver was denied in error.
9. I submitted my waiver and also additional information was requested (such as an ID Card, Letter of Eligibility, SBC) and I have not received a response back yet. What should I do?
The re-verification of your waiver request may take up to 7-10 business days. Please allow 7-10 business days for a response prior to sending additional emails as this will cause a delay in our response time. Please be sure to check your junk or spam folder for a secure email. We appreciate your patience as we work to respond to all emails in the order in which our waiver department receives them.
10. What is Medicaid?
“Medicaid provides health coverage to millions of Americans, including eligible low-income adults, children, pregnant women, elderly adults and people with disabilities. Medicaid is administered by states, according to federal requirements. The program is funded jointly by states and the federal government.” (medicaid.gov/medicaid/index.htm)
11. I tried to submit my online waiver, but it is saying that the student record cannot be found. Now, what should I do?
- Please make sure that you meet the eligibility requirements for your College/University. They can be found under the Waive Now under your school’s homepage under ‘Hard Waiver Student Eligibility’.
- If you do meet the eligibility requirements for your University, have you just enrolled into your courses? If you have just enrolled, you will need to allow 5-7 business days from your enrollment date to be loaded into the system. If you have not yet enrolled, you will not be loaded into the system until you do so.
- If you meet the eligibility requirements and are enrolled, please visit our Contact Us page and complete the Contact Form. This will direct your email through to our Customer Service department. In the ‘Comments’ portion, please be sure to explain that you are not able to log into the system to waive. Please include your Date of Birth and Student ID number as in the exact format that you are entering them in the comments section.
12. I currently have active coverage which meets the school’s requirements, however, I will be experiencing a Qualifying Life Event in the future which will cause me to lose this coverage at a later Date. Can I still waive the insurance at this time?
Please visit our Contact Us page and complete the Contact Form. This will direct your email through to our Customer Service department. In the ‘Comments’ portion, please provide this information.
13. I waived my coverage, but would now like to enroll. What should I do?
If the Enrollment/Waiver Period is still currently open, please visit our Contact Us page and complete the Contact Form. This will direct your email through to our Customer Service department. If the Enrollment/Waiver Period has closed, the only way to enroll would be is if you have experienced a Qualifying Life Event within the past 30 days. (Please see Question #14 on Qualifying Life Events Below for information on how to enroll).
14. I answered a Waiver Question Incorrectly which caused my waiver to be denied. What should I Do?
Please visit our Contact Us page and complete the Contact Form. This will direct your email through to our Customer Service department.
15. Am I eligible to enroll in the school sponsored injury and sickness plan?
To confirm your eligibility, please visit your school’s “Enroll Now – Health Insurance” page on our website. Eligibility requirements and enrollment instructions will be listed on this page.
16. My student account was charged for the insurance, when will I be in the system?
You will be automatically enrolled in the school-sponsored injury or sickness if you do not complete a waiver however automatic enrollment will not take place until after the Waiver Deadline Conversion Period. This process can take up to a few weeks after the close of the waiver period. If the Enrollment/Waiver Period is still open and you would like to receive your ID Card sooner, you do have the option to enroll yourself manually online into the plan. This will also prevent you from receiving future reminders about the waiver process. If the open enrollment period has closed and you need to see a doctor or get a prescription filled, please visit our Contact Us page and complete the Contact Form.
17. I waived my coverage, but have experienced a Qualifying Life Event and would now like to enroll.
Eligible students who lose their current coverage through no fault of their own may enroll in the school plan as a Qualifying Life Event. You must enroll within 30 days after losing Coverage in order to be eligible. Please visit our Contact Us page and complete the Contact Form. This will direct your email through to our Customer Service department. In the ‘Comments’ portion please be sure to include the date you will be losing coverage and a brief explanation of why coverage was lost.
18. What Classifies as a Qualifying Life Event?
A Qualifying Life Event means loss of current coverage through no fault of your own. You must enroll within 30 days of your Qualifying Life Event to be eligible. Examples of a Qualifying Life Event include job loss, divorce, aged out of parent’s plan, the death of a parent or legal guardian. If you feel you have experienced a Qualifying Life Event within the past 30 days and would like to enroll in the school sponsored plan, please visit our Contact Us page and complete the Contact Form. In the ‘Comments’ portion you may request instructions on how to enroll. Please be sure to include the exact date you will be losing coverage and a brief explanation of why coverage was lost.
OTHER FREQUENTLY ASKED QUESTIONS
19. I am the parent/guardian of a student. Why am I not able to receive any information?
Our office complies with the Health Insurance Portability and Accountability Act (HIPAA). We are unable to release any information to anyone other than the student regarding their health insurance waiver. We do have a Personal Representative Authorization form (PRA Form) that can be filled out and signed by the student so that we may speak to a designated representative on their behalf. This form can be found under the ‘Forms’ page on our website.
20. How can I open an encrypted message?
- The information provided in the email is encrypted to protect your Personal Health Insurance Information
- Open the attachment in your email and select the use a one-time passcode option, a passcode will be sent to your email address.
- Enter the passcode that corresponds with the reference code and click continue. Please note that the password will expire after 15 minutes. After that time, you will not be able to log back in with that passcode.
- Mobile devices do not all support the encrypted message, please access the encrypted message from a desktop.
21. How can I obtain my 1095-B tax form?
1095 tax forms are available through your My Account. Please visit your school’s My Account page to create your account if you have not already done so, or log in to an existing account. Once on My Account you can download your 1095 B tax form. You can also reach customer service for assistance at 1-800-505-4160.