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Student Health Insurance Plan (SHIP) Waiver Policies

Automatic Enrollment

Degree and non-degree seeking students (excluding DUS and Consortium students) enrolled in 4+ credit hours, a 0-credit research/dissertation course, or any other course that is considered to equate to full-time enrollment are automatically enrolled in SHIP.

Waiving SHIP 

  • Annual Plan 2021-2022
    • Eligible students interested in waiving SHIP for the 2021-2022 academic year may request to waive SHIP by completing a waiver form at https://vanderbilt.myahpcare.com/waiver between May 17, 2021 and August 1, 2021. Please read the Waiver Requirements and Criteria for Comparable Coverage sections below.
  • Spring 2022
    • Eligible, newly enrolled spring 2022 students interested in waiving SHIP may complete a waiver form between December 1, 2021 and February 12, 2022. Login to your account here and complete the information requested on the form. Please review the Waiver Requirements and Criteria for Comparable Coverage sections below.
    • Vanderbilt allows for students who may have obtained comparable coverage from a U.S. based insurance company since Fall enrollment to complete a Spring/Summer waiver form to terminate their SHIP coverage as of December 31, 2021.
    • Students who graduate or have permanently withdrawn from the university in the 2021 fall term are eligible to terminate their student health insurance coverage as of December 31, 2021. Learn more under the “Graduating Students & Permanent Withdrawals” section below.
Compare Your Plan

To compare your current plan benefits with those offered by the Vanderbilt student health insurance plan, please click here.

 

Maymester/Summer 2021 

  • Waiver Deadline: August 1, 2021
  • Deadline to Submit an Appeal: August 16, 2021

Annual 2021-2022

  • Waiver Deadline: August 1, 2021
  • Deadline to Submit Supporting Documents: September 25, 2021
  • Deadline to Submit an Appeal: October 21, 2021

Domestic Students

  • Domestic undergraduate, graduate & professional students eligible for SHIP and enrolled in either online or on-campus coursework can request to waive SHIP if they have comparable coverage in the area they reside. Please carefully read the Criteria for Comparable Coverage section below.

International Students

  • International undergraduate, graduate, & professional students eligible for SHIP and enrolled in either online or on-campus coursework residing in the United States can request to waive SHIP if they have comparable US-based employer coverage filed in the United States through their direct employment or through a dependent’s employer. Individual plans purchased on the Marketplace, travel plans, or home-country employer plans are not considered comparable to the Student Health Insurance Plan (SHIP). Please carefully read the Criteria for Comparable Coverage section below.

Degree and non-degree seeking students (excluding DUS and Consortium students) enrolled in 4+ credit hours, a 0-credit research/dissertation course, or any other course that is considered to equate to full-time enrollment are automatically enrolled in SHIP.

To be eligible for a waiver of enrollment in the SHIP, Vanderbilt requires that students provide evidence of coverage equal to or better than the coverage provided by Vanderbilt’s SHIP. Please be advised that the waiver request will be reviewed and verified active with the insurance carrier. Notification of acceptance or rejection of waiver requests will be sent to students’ Vanderbilt email addresses within seven business days.

To qualify for a waiver, your health insurance plan must meet the requirements as listed below.

  1. Be fully compliant with the provisions of the Affordable Care Act (ACA) and all state and federal mandates;
  2. Be underwritten by an insurance company based in the United States with a U.S. telephone number and address for submission of claims;
  3. Students (with the exception of those who are fully online in a distance learning program) must have access to doctors, specialists, hospitals and other healthcare providers within 25 miles of campus. To be considered comparable, an alternate plan must include unlimited access to coverage while on campus.
  4. Your insurance benefits must cover a minimum of 80% with no lifetime maximum (i.e. unlimited benefit) per accident or sickness OR your co-insurance must not exceed 20%. This will be waived for U.S. employer plans.
  5. Cover inpatient and outpatient hospital expenses, outpatient surgical expenses, inpatient and outpatient mental health, prescription drugs, laboratory tests and x-rays, physical therapy, maternity, and home health care.
  6. Provide coverage for the period beginning January 1, 2022, with the expectation of continuing coverage through August 11, 2022.
  7. Have an in-network individual deductible no greater than $1,000 per policy year (this will be waived for U.S. employer-plans)
  8. Provide immediate coverage for pre-existing conditions with no waiting period for services.
  9. Provide coverage for preventative care, including physicals, physician visit exams, gynecological exams, and preventative laboratory tests, immunizations, and vaccinations.
  10. Provide coverage for emergency room visits
  11. Provide coverage for medical evacuation in the amount of $50,000 USD and coverage for repatriation of mortal remains in the amount of $25,000 USD to student’s home county (international students only)

**Please note the following types of plans will not be accepted for a waiver.**

  1. Short-Term Limited Duration Plans
  2. Medical Cost-Sharing Plans
  3. Healthcare Sharing Ministry Plans
  4. Medisave Plans
  5. Out-of-State HMO plans
  6. Out-of-State Medicaid Plan
  7. Children’s Health Insurance Plans
  8. Travel Plans
  9. Plans filed outside of the United States of America
  10. Individual/Marketplace Plans (international students only)
  11. Home-country employer plans (international students only)

 

Students who submitted an online waiver form and received a denial will have the opportunity to submit additional documentation in support of their waiver request.

If a student has met all applicable deadlines and received a waiver denial, they may appeal the decision to Vanderbilt’s Student Health Insurance Plan Appeals Committee (SHIP Appeals Committee). Please see deadline schedule above.

Appeals must be submitted using the online SHIP Waiver Appeals form. Using this form, clearly outline the rationale for the appeal and include all supporting documentation relevant to the request. A Vanderbilt representative will be in touch with the student regarding the Committee’s decision. All decisions by the Appeals Committee are final. Students may not submit additional appeals.

It is important to note the following about the SHIP appeals process:

  • Missed deadlines will not be a sufficient basis for an appeal. Gallagher and AHP communicate deadline information via email with students. For an overview of Gallagher’s planned communications, click here.
  • Missed email communications from Gallagher, AHP, or Vanderbilt will not be a sufficient basis for an appeal. Per the Student Handbook, students are required to be familiar with the contents of official University notifications, and to respond to instructions and other official correspondence requiring a response.
  • Health cost sharing plans are not considered comparable coverage as all plans must be fully compliant with the provisions of the Affordable Care Act (ACA) and provide access to local primary care providers in the Vanderbilt University area. The SHIP Appeals Committee will not approve waiver appeals based on coverage through a health cost sharing plan.
  • Students with questions about the appeals process should email SHIP@vanderbilt.edu.

Students, including international graduate and professional students, who graduate or have withdrawn from the university in the 2021 fall term are eligible to terminate their student health insurance coverage as of December 31, 2021. 

To terminate the spring student health insurance coverage, a student must meet the following criteria:

  • For graduating students, the student has completed all degree requirements, which will be verified with the Office of the University Registrar.
  • For students who have withdrawn from the University, their withdrawal will be verified with the Office of the University Registrar.
  • The student has not incurred claims with a date of service after December 31, 2021.
  • If dependents are on the student's policy, the dependent(s) must not have incurred claims with a date of service after December 31, 2021*.

*Please note if a student terminates the student health insurance coverage, any coverage for dependents will also be terminated.

Procedure for terminating student health insurance coverage:

  • You may submit your termination request between December 1, 2021, and January 15, 2022.
  • Login to your account here and complete the required information.
  • If your Request for Termination of Health Insurance Coverage is approved, you will be notified and Student Accounts will remove the spring premium charges. If no action is taken by January 15, 2022, you will be responsible for all spring charges.

Vanderbilt allows for students who may have obtained comparable coverage from a U.S. based insurance company since Fall enrollment to complete a Spring/Summer waiver form to terminate their SHIP coverage as of December 31, 2021.

In order to qualify to submit a Spring/Summer comparable coverage waiver, there are a few requirements:

  • Coverage must be effective on or before January 1, 2022.
  • In order for the request to be approved, the other insurance plan must be fully compliant with the Affordable Care Act (ACA) and comparable to the Vanderbilt University Student Health Insurance Plan (click here for a list of requirements). Requests will be audited to confirm coverage is comparable.
  • Students who incur claims on or after January 1, 2022, will not be permitted to disenroll from spring/summer coverage.
  • If you submitted a waiver request and/or waiver appeal for Fall 2021 and were denied, you may not submit the same insurance coverage for a Spring/Summer waiver.  If a student submits a waiver with the same coverage from what was submitted in the fall, their comparable coverage waiver request will be denied.

Procedure to submit a Spring/Summer Comparable Coverage waiver:

  1. Login to your account here and complete the information requested on the form. 
  2. You may submit your comparable coverage waiver request between December 1, 2021, and February 12, 2022.
  3. If your Comparable Coverage Waiver is approved for Spring/Summer semester, you will be notified and Student Accounts will remove the spring premium charges. If no action is taken by February 12, 2022, you will be responsible for all spring charges.

Leave of Absences (PLOA/MLOA) & Withdrawals

  • If you are on the Student Health Insurance Plan (SHIP) and you take a leave of absence within the first 31 days of the coverage period (August 12-Sept 12), you will NOT be covered under the Policy and the full premium will be refunded, less any claims paid.  If you were enrolled in SHIP at least the semester immediately preceding your leave, you may choose to enroll in a one-time extension of your coverage while you are on medical leave of absence (MLOA), for up to one year. To extend your coverage, complete and submit the Leave of Absence SHIP Enrollment application with a copy of your MLOA letter from your Dean during Open Enrollment to ensure timely enrollment. If you have questions, please reach out to the Office of Student Care Coordination or SHIP@vanderbilt.edu.
  • If you are on the Student Health Insurance Plan (SHIP) and you are taking a medical leave of absence at least 31 days after the start of the policy (August 12, 2021), you will remain enrolled in the SHIP plan until the end of the plan year (August 11, 2022).
    • If you decide to remain on MLOA past the termination date of the SHIP plan (August 11, 2022) there may be options to extend your enrollment under SHIP. Please contact the Office of Student Care Coordination.

MLOA Flow Chart

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