You can consider Student Medicover, but it is not identical to your SHIP: the exact SM policy has different cost-sharing and exclusions, and your university’s written approval is what makes the waiver safe.

(b)(2)

The requirement to provide a specific level of coverage described in section 1302(d) of the Affordable Care Act does not apply to student health insurance coverage for policy years beginning on or after July 1, 2016. However, the benefits provided by such coverage must provide at least 60 percent actuarial value, as calculated in accordance with § 156.135 of this subchapter.

(b)(3)

A health insurance issuer that offers student health insurance coverage may establish one or more separate risk pools for an institution of higher education, if the distinction between or among groups of students (or dependents of students) who form the risk pool is based on a bona fide school-related classification and not based on a health factor (as described in § 146.121 of this subchapter). However, student health insurance rates must reflect the claims experience of individuals who comprise the risk pool, and any adjustments to rates within a risk pool must be actuarially justified.

Certificate pages 1–2

This Certificate of Coverage (“Certificate”) is part of the contract between H & W Indemnity (SPC), Ltd. for and on behalf of Student Resources SP (hereinafter referred to as the “Company,” “We,” “Us,” and “Our”) and the Policyholder. The Master Policy is the contract and will govern and control the payment of benefits.

Schedule of Benefits, page 1

Student Health Center Benefits : The Deductible and Copays will be waived and benefits will be paid at the Preferred Provider Benefit level when treatment is rendered at the Student Health Center. Coinsurance Preferred Provider 90% except as noted below

Section 5, page 3; Schedule of Benefits, page 1

Out-of-Network Provider Benefits The Insured is responsible for paying, directly to the Out-of-Network Provider, any difference between the amount the provider bills the Insured and the amount the Company pays for Allowed Amounts. Separate Out-of-Pocket Maximums apply to Preferred Provider and Out-of-Network Provider Benefits.

Sections 2 and 11

Injury or Sickness inside the Insured’s home country. Injury sustained while: • Participating in any interscholastic, intercollegiate, or professional sport, contest or competition. Refunds of premiums are allowed only upon entry into the armed forces.

(b), (c)(2), and (i)

Minimum coverage must provide: (1) Medical benefits of at least $100,000 per accident or illness; (2) Repatriation of remains in the amount of $25,000; (3) Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000; and (4) Deductibles not to exceed $500 per accident or illness. May include provisions for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness. Exchange visitors who willfully fail to maintain the insurance coverage set forth above while a participant in an exchange visitor program or who make material misrepresentations to the sponsor concerning such coverage will be deemed to be in violation of these regulations and will be subject to termination as an exchange visitor.

Coverage details, deductibles, provider networks, and benefits vary by plan and school requirements, so students should compare options carefully before making a decision. However, waiver approval is determined solely by the university and depends on whether the selected plan meets all required benefit criteria.