How to Apply for a Health Insurance Waiver

Although all MSU international students are automatically signed up for Aetna Student Health (billed to your tuition bill), you have an option to waive it with an alternative health insurance policy as long as it meets the MSU minimum requirements.

Starting from 08/15/2012, many new changes have been made!

–          New online waiver system – apply the insurance waiver by logging in your STUINFO with your MSU NetID and password. The old Aetna waiver system is no longer in use.

–          New coverage periods and the period requested by waiver! If you are applying for the Fall 2012 waiver, you need to have coverage from 08/15/2012 to 02/14/2013.

–          No partial refund from Aetna when students leave the country prior to their coverage end date.

Step 1: Purchase alternative insurance policy

Before you purchase any alternative insurance policy, remember to check if it meets all the MSU minimum requirements. If it doesn’t meet the requirements, your application will be rejected.

  • Lifetime minimum of $250,000 coverage for accidents and sickness
  • Deductible: $500 or less per individual per policy year
  • Coverage for inpatient and outpatient medical services (including labs and x-rays)
  • Coverage for inpatient and outpatient mental health services
  • Cover prescriptions
  • Worldwide coverage
  • Medical evacuation to an international student’s home country: $10,000 or more
  • Repatriation (removal of remains after death) to an international student’s home country: $7,500 or more
  • Coverage for the waiver period requested

Coverage Period

Application Deadline

Annual (8/15/12 – 8/14/13) September 30, 2012
Fall Semester (8/15/12 – 2/14/13) * September 30, 2012
Spring I (2/15/13 – 8/14/13) * February 15, 2013
Spring II (1/1/13 – 8/14/13) *(Only for students who are new to MSU in Spring semester) February 15, 2013
Spring III (5/12/13 – 8/14/13)(Only for students who will only be attending MSU between May and August) * June 30, 2013

*New changes to the coverage period

Step 2: Log in to your STUINFO account by using your NetID. Click on “Insurance Waiver” under INSURANCE INFORMATION REPORTING

Please note you must have been enrolled for the upcoming semester 24 hours or more before using the waiver system.

Step 3: Complete the insurance waiver questions

Step 4: Supply the following 2 documents

1)          A copy of your insurance policy with the schedule of benefits

2)          Enrollment proof (show your full name, enrollment start date and end date)

Where to send the documents?

  • Email: studentinsurance@hr.msu.edu
  • Fax : (517)353-1869
  • Mail/deliver: 1407 S. Harrison Road, Suite 140, East Lansing, MI 48823

Step 5: Wait for result

It generally takes 2 weeks to review your application. If your tuition bill is due before the application is processed, pay first and get refund later (if approved).

Still need some help? Come to the International Student Health Insurance Waiver Help Sessions!

  • September 10th (Monday): 2:30pm -4:00pm at Wells Hall B110-F
  • September 24th (Monday): 2:30pm -4:00pm at Wells Hall B110-F

FAQ

My tuition is due this week, but the health insurance is not removed. What should I do? To avoid late fee, pay tuition bill first, get refund later when approved.

Do I need to buy an alternative insurance plan before I apply for the insurance waiver? Yes, you do. To waive your health insurance doesn’t mean you don’t need health insurance. It simply means you waive it with an equivalent insurance policy.

How long will it take to review my application? Approximately 2 weeks

Who should I contact regarding my waiver application? MSU Benefits Office

  • Email: studentinsurance@hr.msu.edu
  • Go in person/Mail: 1407 S. Harrison Road, Suite 140, East Lansing, MI 48823
  • Call the Student Health Insurance Specialists:
    • If your last name begins with the letter A-K, call Ann Eure 517-884-0144
    • If your last name begins with the letter L-Z, call Michelle Fewless 517-884-0170

How do I know which insurance policy is better? Friends are not insurance experts. Many people simply pick the cheapest plan without realizing the tricks hidden in the cheap plans. These tricks can end up costing you a lot of money when you need medical care. If you are interested in purchasing a private insurance policy, OISS can be a credible source of information.

 I’m going back to my home country in summer. Can I waive the insurance for summer semester? No. MSU requires international students to have coverage for both spring and summer semesters even if you are not taking classes or physically here during summer. There will be no pro-rated refunds when students leave the country prior to their coverage end date. Students may continue to use their coverage, even outside of the U.S.  Aetna does not offer partial term refunds. 

Chien-ying Wang is a second-year international graduate student from Taiwan. She is currently pursuing a master’s degree in Health and Risk Communication at MSU’s College of Communication. Chien is passionate about communicating healthcare and health insurance information to MSU’s international community and helping them make better health decisions. She serves as Community Health Intern at the Office for International Students and Scholars (OISS).

3 thoughts on “How to Apply for a Health Insurance Waiver

  1. Hi guys — a prospective student question. Does your default Aetna insurance for students depend on any diseases/lifestyle choices of students? Like smoking, extra weight etc. etc. Please let me know, it’s important for me.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s