Waiving SHIP Insurance
All Domestic Students Waiver Requirements (U.S. Citizens and Permanent Residents)
Students who are enrolled in a health plan that is comparable to the Student Health Plan may waive the Fordham coverage through www.aetnastudenthealth.com to provide proof of comparable coverage, a student will need to have information about his or her current health insurance plan readily available. By waiving the Fordham coverage, a student is confirming the following:
- The student is covered by the indicated medical insurance policy and will maintain coverage for the full 2020–2021 academic year.
- The student has compared their policy to the Student Health Insurance Plan and certifies that their plan provides benefits that are at least comparable to the Student Health Insurance Plan.
- The student’s plan provides reasonable comprehensive coverage of health services, including primary care, emergency services, surgical services, hospitalization benefits, ambulatory patient services, and mental health services, along with coverage for lab work, diagnostic x-rays, physical therapy, chiropractic care, and prescription coverage, and that these services are reasonably accessible in the area where the student is attending school. A plan that provides coverage through a closed network of providers, not reasonably accessible to the student in the area where they attend school, for all but emergency services.
- The student assumes full responsibility for any medical expenses incurred during the insurance enrollment periods and neither Fordham University nor the insurance company will be held responsible for any expenses incurred.
Incomplete waivers will not be processed. Waivers must be completed every year. All waivers must be submitted by September 10, 2020, for the entire academic year or by February 23, 2020, for the spring semester (only for new incoming students only). Students who do not complete a waiver prior to the deadline will automatically be enrolled in and charged for the semester which the student is enrolled. Once the waiver is submitted, the charge will be removed from the student account. Students and authorized payers can verify the adjustment by logging in to my.fordham.edu ("My EBill") Students are responsible for verifying that their waiver was submitted correctly. Students will receive an email confirmation after completing the waiver application to confirm that the application is approved or denied.
Providing insurance information to other offices on campus (e.g., Athletics, Health Services, and loan applications) does not fulfill the waiver requirement. If a student does not complete the waiver through www.aetnastudenthealth.com prior to the deadline, he or she will automatically be enrolled in and charged for the Student Health Insurance Plan.
Students who missed the deadline, but have extenuating circumstances, may submit an email to firstname.lastname@example.org to appeal.
International Students (F-1 or J-1)
Fordham University will no longer allow insurance companies that do not meet or exceed the limits offered by Fordham University’s Student Health Insurance Plan. This is to ensure that all international students are covered by a plan that is comparable and accessible to provide health coverage.
To meet these criteria you must:
- Maintain other insurance coverage that is equal to or greater than the Student Health Insurance Plan benefits and with no additional exclusions.
- The insurance company must be headquartered and operating in the US, with a US claims address and customer service telephone number.
- The plan must be ACA compliant the plan must provide inpatient hospitalization benefits in the New York City area including mental health benefits. The plan must provide outpatient benefits in the New York City area (including office visits, outpatient mental health visits and laboratory and radiology procedures). Coverage for emergency only care does not satisfy the requirement.
- The maximum benefit payable under the insurance plan must be unlimited. The insurance plan must include coverage for medical evacuation of at least USD $50,000 per year; repatriation of remains of at least USD $25,000 per year; and a deductible not to exceed USD $500 per year
The following types of insurance plans will not be acceptable for waiving the Fordham plan:
- Travel policies with limited benefits and exclusions of coverage, the plan must be ACA compliant.
- Insurance plans that always require students to pay for treatment out-of-pocket and then be reimbursed.
- Plans advertised as ACA Comparable do not satisfy the waiver requirement