Waive Your School's Insurance
Welcome to the Waive Your School’s Insurance Center!
This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.
The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.
- Hard Waiver Student Eligibility
- Hard Waiver Student Waiver Instructions
- Open Enrollment Periods
- Qualifying Life Event
International Students
All International Students are automatically enrolled into this insurance plan at registration and the premium for coverage is added to their tuition bill. International Students are required to maintain this insurance.
Hard Waiver Student Eligibility
- All Full-time undergraduate students who are registered for classes
Are considered hard waiver students. Hard waiver students are required to have health insurance to attend Haverford College, both to protect against unexpected high medical costs and provide access to quality care.
Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the Eligibility requirements that the student actively attend classes.
Hard Waiver Student Waiver Instructions
Waiver Deadlines:
- Annual Waiver Deadline: 9/2/22 – Closed
- Spring/Summer Waiver Deadline: 2/1/23 (For new incoming students only)
Please click HERE to view the 22-23 Waiver Checklist to see if your insurance policy will meet the Haverford College insurance requirements.
**please note you will need your student ID number to log in. Your student ID number will be 7 digits without any leading zeros (1111111)
Submission of a waiver form is not an automatic approval for an insurance waiver. Please check your Haverford College email on the 5th business day after submitting your waiver form to verify your waiver status has been approved or declined. If you have been requested to submit additional information, please submit within 5 business days. You may contact waiver@firstriskadvisors.com for any additional questions. Please include the name of your school, first and last name, and your student ID number on your documents or emails.
Due to HIPAA regulations the student will need to contact us directly as we will not be able to provide any personal information to anyone other than the student.
If you choose to use your own health insurance, it is important to determine the adequacy of your health care plan for the Metropolitan Philadelphia Area. Additionally, if your coverage is with an HMO, please know that Health Services is unable to provide a REFERRAL to a specialist. If services out of your geographical area are not covered, such as “out of state” Medicaid plans or Kaiser Permanente specifically you may want to think about obtaining the Haverford College sponsored plan.
For those students who do not submit an approved waiver form before the deadline, you will be automatically charged and officially enrolled in the Student Health Insurance Plan. Once enrolled there are no refunds or cancelations.
After you verify that you are a hard waiver student and have other insurance you will need:
- Your current health insurance plan ID card,
- Your health insurance brochure or plan description (or you might want mom & dad’s phone number handy to help answer some of the waiver questions). There might be a few questions about your current plan.
Once you have completed the waiver form, an email will automatically be sent to your campus email address notifying you of the waiver request decision.
If you receive a:
Pending e-mail – Your waiver is pending. Once verification of coverage has been completed, you will be notified to your school e-mail, if your waiver has been approved or denied
Approval e-mail – Your waiver was approved. You should print this e-mail and save it with your records.
Denial e-mail – Your waiver was denied. If you would like us to look this over or if you answered a question incorrectly, please contact us.
All waiver decision emails are sent securely from the following companies: Office 365 & Cisco. (From FirstRiskAdvisors.com) Please do not delete the email and please check your spam or junk folder.
Please Note: If you waive the insurance, you will not be eligible to enroll until the following school year, unless you experience a Qualifying Life Event.
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 of *September 2, 2022, 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.
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.
Please Contact Us for cost and enrollment information as a Qualifying Life Event.
If you have any questions about the waiver process, please call 800-505-4160 or CONTACT US
We are always happy to help in any way.
