Student Affairs

Academic Affairs Division

Waiver Process

The following students are required to have student health insurance that meets the minimum standards set by the University System of Georgia. Students in these categories who are not covered by a policy held by a parent, spouse, employer or if the policy does not meet the minimum standards will be charged for a USG Student Health Insurance Plan (SHIP) policy.

  • All undergraduate, and ESL international students holding F or J visa status.
  • All undergraduate students enrolled in programs that require proof of health insurance.
  • All graduate students receiving a Full Tuition Waiver as part of their graduate assistantship award.
  • All graduate international students holding F or J visas status.
  • All graduate students enrolled in programs that require proof of health insurance.
  • All graduate students receiving fellowships that fully fund their tuition.
  • International Scholars holding J visa status.

Students who fall into one of these categories and are already covered by an insurance policy (i.e. through parent plans, family plans or employer-sponsored plans) can easily opt out of the plan through a secure on-line process. Once the information has been verified, all charges will be waived. Students (both undergraduate and graduate) who fail to submit creditable health insurance information will automatically be enrolled in and billed for the system-wide student health insurance plan. Check with your campus for the exact deadline dates for submitting a waiver.

The waiver periods at our institutions are strictly enforced.

The University System of Georgia requires all students in the above categories to have reasonable, comparable, creditable coverage to the current system-wide student health insurance plan provided. The following minimum benefits must be included in your plan to be considered for a waiver and final determination is made at each institution—per individual institution standards.

International Students in the F-1 and J-1 student or scholar statuses must have a minimum of the following benefits:

  • Both accident and sickness coverage
  • Minimum benefit $250,000 per policy year**
  • A deductible of $500 or less and/or co-pay per individual, per year*
  • In-patient and outpatient, mental and nervous disorder benefits
  • Prescription Drug Coverage
  • Pay benefits worldwide
  • Medical evacuation to one’s home country and family reunification of not less than $50,000*
  • Provision for repatriation of remains of not less than $25,000*
  • All Georgia mandated requirements+
    *Federal Standards required for International Students

Domestic Students must have a minimum of the following benefits:

  • Both accident and sickness coverage
  • Minimum benefit $500,000 per policy year**
  • Coverage for all pre-existing conditions
  • Reasonable deductible ($3,250 or less) and/or co-pay per individual, per year
  • In-patient and outpatient, mental and nervous disorder benefits
  • Prescription Drug Coverage
  • Pay benefits worldwide
  • All Georgia mandated requirements+

**To meet Federal Affordable Care Act (ACA) requirements your health plan should have no annual benefit limits. (These requirements are based on the federally mandated requirements of the ACA.)

+Georgia mandates coverage for the following benefits to be paid as any other Sickness:

Mammography, PAP Smears, Prostate Specific Antigen (PSA) Tests, Chlamydia Screening, Mastectomy, Bone Mass Measurement, Colorectal Cancer Screening, Dental Anesthesia, Diabetes, Surveillance Tests for Ovarian Cancer, Telemedicine, Drug Treatment of Children’s Cancer, Bone Marrow Transplants, Postpartum Care, and Mental Illness.

Students who already have comparable insurance coverage can apply to waive the insurance requirement. A comparable plan is one that meets the minimum requirements indicated in the above list. Your plan will be verified to determine if your coverage meets the minimum requirements. To apply for a mandatory insurance waiver go to: UnitedHealthcare StudentResources’ website search for your institutions name, and click continue. On the next webpage there will be a Waiver Form link for your institution.

WAIVER PERIODS ARE STRICTLY ENFORCED AT YOUR INSTITUTIONS!

Waivers are valid for one semester only!

Students will have to submit a new waiver each semester.

If you do not apply for a waiver or if your waiver is declined you will automatically be enrolled in the plan at the end of the waiver period and the cost of the policy will appear on your student account. WAIVERS MUST BE APPLIED FOR EACH SEMESTER.