Health Compliance

Waiver and Coverage Dates ‐ These dates are the same every year.


Term Waiver must cover from Waiver must cover through Open Enrollment Starts Open Enrollment Ends Plan Coverage Begins Plan Coverage Ends Last Day to Change or Cancel Purchase
Annual August 15 August 14 March 2 September 15 August 15 August 14 September 14
Fall only August 15 December 31 March 2 September 15 August 15 December 31 September 14
Spring January 1 August 14 October 2 January 15 January 1 August 14* January 30
Summer May 10 August 14 March 2 May 15 May 10** August 14 June 10

*Spring/summer coverage is the only option.  There is no spring only coverage.
**Summer only coverage is for students beginning their FSU journey in summer session.  The summer premium is not prorated for students attending later summer sessions.

Per the office of the registrar, any student (graduate, undergraduate or special student) enrolling for 6 credit hours during summer session is considered a full-time student.



Requirement to Show Proof

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  1. Graduate and undergraduate domestic students enrolling full-time (undergraduates taking at least 12 hours and grads taking at least 9 hours, or anyone taking 6 hours in summer) and all international students regardless of the number of credit hours they are taking must show proof of health insurance before they can register for classes. This is an annual (once yearly) requirement.
  2. International students are those students studying at FSU on a J or F visa.
    • Accompanying dependents on a J visa must also be covered by health insurance.
    • International students must either enroll in the school sponsored health insurance plan or waive enrollment in the school sponsored plan by showing proof of other comparable insurance.
  3. Comparable insurance for
    • domestic students will provide the following:
      1. Coverage for the entire academic year including the holiday break and summer
      2. Mental health coverage
      3. Prescription drug coverage
      4. Provider network in Tallahassee/Leon County for specialty, diagnostic, emergency and hospital care. NOTE: Should you choose to use a plan that does not have a provider network in the Tallahassee/Leon County area, your student can expect significant out-of-pocket expenses for needed routine, specialty and diagnostic care.
    • international students will provide the following:
      1. Coverage for the entire academic year, including annual breaks, regardless of your terms of enrollment. See the chart for Waiver and Coverage dates.
      2. basic benefits: room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees paid at 80% or more of usual, customary, reasonable (UCR) charges per accident or illness, after deductible is met, for in-network, and 70% or more of UCR charges for out-of-network providers per accident or illness.
      3. mental health care for in-patient mental health care paid at 80% in-network or 60% out-of-network of the UCR fees with a minimum 30-day cap per benefit period AND outpatient mental health care paid at 80% in-network or 60% out-of-network of the UCR fees for a minimum of 30 (preferably 40) sessions per year.
      4. maternity benefits treated as any other temporary medical condition and paid at no less than 80% of UCR fees in-network or 60% out-of-network.
      5. in-patient/out-patient prescription medication coverage of $1,000 or more.
      6. Repatriation coverage of at least $25,000 to provide for the return of your remains to your native country should you die in the United States.
      7. Medical evacuation coverage of at least $50,000 to permit you to be transported to your home country and to be accompanied by a provider or escort, if directed by the physician in charge.
      8. a deductible of no more than $50 per occurrence if treatment or services are rendered at the FSU Wellness Center and no more than $100 per occurrence if treatment or services are rendered at an off-campus ambulatory care of hospital emergency department facility.
      9. at least $200,000 for covered illnesses/injuries per illness or accident per policy year.
      10. Your plan cannot exclude coverage of pre-existing conditions for more than the first six months of the policy period.
      11. Your insurance carrier must have an “A” rating or above per Federal Regulations.
      12. Claims must be paid in US dollars payable on a US financial institution. Your carrier must have a US claims mailing address.
      13. Your policy provisions must be available from the insurer in English.
      14. Your policy cannot unreasonable exclude coverage for perils inherent in your program of study. That means that if your studies involve, for example, working with chemicals, your policy cannot exclude coverage for injury due to exposure to chemicals in the laboratory. If your program of study requires scuba diving for oceanographic studies, scuba diving cannot be excluded from coverage. If you will be working with laboratory animals, your coverage cannot exclude coverage for exposure to the laboratory animals.
    • NOTES for international students:
      1. If you will NOT be purchasing the student health insurance available through Florida State University:
        • Verify with your prospective insurance company that the coverage you want to purchase will meet all of the requirements listed in paragraph 2 above BEFORE you make any payment for the policy. Understand that there is more to insurance than the premium price. Look at the benefits the plan will provide.
        • Complete the waiver. You will have to answer questions and provide information about the policy you have purchased.
        • Your policy must cover you for the entire time you will be a student at FSU including holiday and summer breaks, even if you will be going to your home country for the breaks. Your insurance must begin and end according to the dates shown on the Waiver and Coverage dates chart.
        • FSU, University Health Services and the Health and Wellness Center are not responsible for loss of premiums for non-compliant insurance policies or loss of academic privileges due to inaccurately completed waivers.
      2. If the insurance you will be using is dependent coverage from your spouse’s employer-paid plan, you may not have the coverage required for medical evacuation or repatriation of your remains as outlined above.
        • Evacuation/Repatriation coverage may be purchased from UCHSR at their web site: www.uhcsr.com/fsu or from another carrier of your choosing.
        • Dependents on J visas must also have this coverage.
        • When this coverage is purchased, send a copy of the confirmation letter from the insurance carrier to healthcompliance@fsu.edu. Your insurance waiver will then be cleared.

Waiver Information

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1st time at FSU? Click here to follow our online tutorial.

Scholarship Athletes

  1. The student health plan does not cover participation in intercollegiate athletics.
  2. Scholarship Athletes contact Nick Pappas at 850-645-2700 for the insurance waiver.
  3. Walk-on athletes contact Nick Pappas at 850-645-2700 for insurance purchase information.

Waiving your insurance and using your insurance for care: There is a difference between the requirement to show proof of health insurance in order to be able to register for classes at Florida State University and using health insurance to pay for care rendered at University Health Services.

If you use Medicaid or Medicare to complete your waiver understand that the Wellness Center is not a Medicaid or Medicare provider. If you come to the Wellness Center for care you must either pay for service on the date it is rendered or defer those charges to your account at Student Business Services. You can then file your own claims for reimbursement to your Medicaid or Medicare provider. Medicaid from other states CAN ONLY be used if the student submits a letter from the providing state verifying that coverage is valid in Tallahassee.

If you use HMO insurance or PPO insurance for your waiver that is not in-network at the Wellness Center, understand that you can expect to incur greater out of pocket expenses for your health care in the Tallahassee area. The Wellness Center will, as a courtesy, bill your insurance carrier for services received at the Wellness Center. Billed charges not paid by your carrier will be balance billed to your account at Student Business Services for payment.

Insurance Billing

Medicare and Medicaid

Tricare

ISO

PSI

Purchase Information

2015-16 Premium Matrix

August 15 - August 14 August 15 - December 31 January 1 - August 14 May 10 - August 14 August 15 - August 14
Annual Fall Only Spring/summer Summer Only Optional Dental
Domestic          
student $1,990 $756 $1,234 $528 $506
spouse $1,990 $756 $1,234 $528 NA
child $1,990 $756 $1,234 $528 NA
children $3,980 $1,512 $2,468 $1,056 NA
           
International          
student $2,150 $817 $1,334 $570 $506
spouse $2,150 $817 $1,334 $570 NA
child $2,150 $817 $1,334 $570 NA
children $4,300 $1,634 $2,668 $1,140 NA
           
Domestic     Monthly    
post-doctoral fellows, visiting scholars $1,990 NA $166 NA NA
spouse $1,990 NA $166 NA NA
child $1,990 NA $166 NA NA
children $3,980 NA $332 NA NA
           
International          
post-doctoral fellows, visiting scholars, students at CIES** $2,150 NA $179 NA NA
spouse $2,150 NA $179 NA NA
child $2,150 NA $179 NA NA
children $4,300 NA $358 NA NA

*Students beginning at FSU in spring semester may purchase dental coverage at the annual premium.  Annual benefits will apply for the January through August coverage  The last day to cancel the dental plan is the day before your coverage begins.
** Center for Intensive English Studies
NA indicates this coverage is not available.

2016-17 Premium Matrix

2016-2017 Premium Matrix

August 15 - August 14 August 15 - December 31 January 1 - August 14 May 10 - August 14 August 15 - August 14
Annual Fall Only Spring/summer Summer Only Optional Dental
Domestic
student $2,262 $861 $1,401 $602 NA
spouse $2,262 $861 $1,401 $602 NA
child $2,262 $861 $1,401 $602 NA
children $4,524 $1,722 $2,802 $1,203 NA
International
student $2,266 $863 $1,403 $603 NA
spouse $2,266 $863 $1,403 $603 NA
child $2,266 $863 $1,403 $603 NA
children $4,532 $1,726 $2,806 $1,205 NA
Domestic Monthly
post-doctoral fellows, visiting scholars $2,262 NA $188 NA NA
spouse $2,262 NA $188 NA NA
child $2,262 NA $188 NA NA
children $4,524 NA $377 NA NA
International
post-doctoral fellows, visiting scholars, students at CIES** $2,266 NA $190 NA NA
spouse $2,266 NA $190 NA NA
child $2,266 NA $190 NA NA
children $4,532 NA $379 NA NA

** Center for Intensive English Studies
NA indicates this coverage is not available.

AR Due Dates:

Student purchases-Insurance premium payments are due on the day that financial aid is disbursed.  If financial aid is delayed, students do NOT need to call the health center to defer the payment.  Students do not need to make special arrangements for financial aid to pay health insurance premiums.  If the insurance charge is on the student's account when financial aid is disbursed, the premium will be paid by financial aid.  If there is sufficient financial aid to pay the whole premium, the student owes nothing more for insurance.  If there is not sufficient financial aid to pay the whole premium, the balance that is not paid by financial aid remains on the student's account and is the student's responsibility to pay.  The balance must be paid to zero before the student's next registration window opens or the student's ability to register for the next term will be blocked.

Post-doctoral fellow, visiting scholar, CIES student-Payment is due as soon as charges are posted to your account at Student Financial Services.  The carrier will be notified to begin coverage once payment has been verified by the Health Compliance office.


AR Due Date Notes

  • Insurance Premium Payment Due:  the day financial aid is disbursed
  • Financial aid delayed?  Do NOT call Health Compliance to defer payment.  It is automatic.
  • Not enough financial aid to pay the entire premium?  The unpaid balance stays on the student's account for the student to pay. 
  • How to avoid a registration block:  Have the premium due paid to zero before the next registration window is scheduled to open.
Graduate Subsidy

Graduate Subsidy

Life Change Events

Qualifying Events: A qualifying event will allow the student or dependant(s) to be added to the Plan as of the date of the event. The premium will be pro-rated for the balance of the term when the student and/or dependent is added. A qualifying event would be loss of health coverage under another health plan, marriage, divorce, the birth or adoption of a child. Please note that application for coverage due to the qualifying event and proof of the qualifying event must be submitted to The Health Compliance Office at University Health Services within 30 days of the qualifying event.

Cancellation Policy
  • Withdrawals
  • Written Request
  • Cancellation of the Student Health Plan must be in writing before the first thirty days of the start of the plan. Send emails to healthcompliance@fsu.edu.

Dependent Coverage

Eligible students who do enroll may also insure their Dependents. Eligible Dependents are the student’s legal spouse or Domestic Partner and dependent children under 26 years of age. The Named Insured may also cover a dependent child to the end of the year in which the Dependent reaches age 30 under certain circumstances. See the Definition below for the specific requirements needed to meet Domestic Partner eligibility. Dependent Eligibility expires concurrently with that of the Insured student.

DOMESTIC PARTNER means a person who is neither married nor related by blood or marriage to the Named Insured but who is:

  1. the Named Insured’s sole spousal equivalent;
  2. lives together with the Named Insured in the same residence and intends to do so indefinitely; and 3) is responsible with the Named Insured for each other’s welfare. A domestic partner relationship may be demonstrated by any three of the following types of documentation: 1) a joint mortgage or lease; 2) designation of the domestic partner as beneficiary for life insurance;
  3. designation of the domestic partner as primary beneficiary in the Named Insured’s will;
  4. domestic partnership agreement;
  5. powers of attorney for property and/or health care; and
  6. joint ownership of either a motor vehicle, checking account or credit account.
Coverage for post-doctoral fellows, visiting scholars, CIES students

2016-7 Instructions


2016-7 Domestic

2016-7 International

2015-6 Domestic

2015-6 International

Coverage for athletics, sports clubs and intramural participants.
  1. The student health plan DOES NOT cover participation in intercollegiate athletics.
  2. Participation in sports clubs and intramural athletics is covered. FSU Cheerleaders and members of the Golden Girls dance team are covered as members of a sports club.
  3. Scholarship Athletes should call Nick Pappas at 645-2700.

Student Health Insurance Plan Information

University Health Services

Florida State University
Tallahassee,FL 32306-4178   (850)644-3608
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