Frequently Asked Questions
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Waiver/Opt-Out

If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:

Fall Semester: 05/07/2021 - 09/17/2021

Spring Semester: 11/01/2021 - 01/14/2022

All registered domestic and international students take one (1) or more credit hours are required to have health insurance coverage, either through the Student Health Insurance Plan or through another individual or family plan.

Students enrolled at California Institute of the Arts that wish to opt-out of the Student Health Insurance Plan (SHIP) must submit alternate coverage information through the AcademicHealth Plans Waiver System. In order to be approved for a waiver, your alternate health coverage must meet the requirements listed below and be submitted with proof documentation prior to the September 17, 2021 deadline.

Please review these prior to submitting your waiver request.

Domestic Students must be enrolled in a health plan that is compliant with the Affordable Care Act (ACA):

  1. Provide the Essential Minimum Benefits required by the PPACA with no annual limits. A list of the benefits can be found here: https://www.healthcare.gov/glossary/essential-health-benefits/ .
  2. Contain no exclusions (or waiting periods) for pre-existing conditions.
  3. Covers 100% of Preventive Care as defined by the PPACA. A list of these preventive services can be found here: https://www.healthcare.gov/coverage/preventive-care-benefits/.

NOTE: The following plan(s) will NOT be acceptable for waiver approval:

  • Short-term coverage plans are not accepted.
  • Financial Assistance plans are not accepted.
  • Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement are not accepted.

Click Here to Waive the Student Health Insurance Plan

International Students must be enrolled in a health plan that meets the following minimum requirements:

Only U.S. Employer plans or U.S. government sponsored, or foreign government sponsored plans will be considered for a waiver

  1. Medical coverage must have an unlimited maximum benefit per policy year per covered person.
  2. Contains no exclusions (or waiting periods) for pre-existing conditions.
  3. And provide the following coverage benefits:
    • Ambulatory (i.e. Outpatient) patient services
    • Emergency Services
    • Hospitalization
    • Maternity and newborn care
    • Mental health and substance use disorder services
    • Prescriptions drugs
    • Rehabilitative and habilitative services and devices
    • Laboratory services
    • Chronic disease management
  1. Imposes a deductible of no more than $500 per year (except for U.S. Employer plans).
  2. Repatriation expenses in the amount of no less than $25,000.
  3. Expenses associated with the medical evacuation of the insured to the insured’s home country of no less than $50,000.

If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits.

NOTE: The following plan(s) will NOT be acceptable for waiver approval:

  • Short-term coverage plans are not accepted.
  • Financial Assistance plans are not accepted.
  • Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement are not accepted.

Click Here to Waive the Student Health Insurance Plan