Insurance Waivers

F-1 and J-1 Students and Scholars may apply for a waiver review if they are covered by an alternative insurance policy that meets the same level of coverage as the Binghamton University Health Insurance Plan. This also holds true for J-2 family members.

If you are:

  1. F-1, J-1 or J-2 visa holder
  2. On CPT with employer Health Insurance OR
  3. Have Private Insurance

then your insurance policy MUST offer the following benefits:

  • Emergency and non emergency medical care
  • Treatment for pre-existing conditions
  • Maternity services  
  • In-hospital room and board
  • Inpatient and outpatient care for mental/nervous conditions
  • Outpatient alcoholism and substance abuse coverage
  • Prescription drugs
  • X-Rays and laboratory work
  • Ambulance service
  • Medical equipment rentals or purchase
  • Treatment for self inflicted injuries and suicide related services
  • $300,000.00 maximum reimbursement rate per illness for primary subscribers and $100,000 for dependent coverage
  • medical evacuation and repatriation (if your plan does not supply this, it can be  purchased separately through Binghamton University for a waiver to be granted)
  • $ 50 deductible per illness or injury
  • Insurance directly pays the provider or pharmacy in the U.S. for services rendered. You do not reimburse the doctor directly.
  • Coverage benefit levels must meet or exceed those of the SUNY plan.

The act of filing an application for a waiver of your current insurance is not a guarantee that you will be waived out of the mandatory insurance. For a waiver to be granted your current medical insurance policy must fulfill ALL New York State requirements.

For all waiver eligibility categories review the table below to determine your eligibility and to learn about the process, required documentation, submission deadlines and access the appropriate waiver form:

Waiver Eligibility Category Required Documents
(In addition to waiver form)
Submission Deadlines Adjustment Pricing if Waiver is Granted
Graduate Student –  Academic  Assignment(E.g.  TA/GA/RA)  NONE. Your Binghamton  University Employee Health  Plan is acceptable.   Fall: Jan 1
Spring: June 1
 The current semester fee for international health insurance is credited to your tuition bills, less the charge for medical evacuation and repatriation insurance coverage and short term international insurance needed until your employee benefits begin.
 Student Studying in Home Country Submit a copy of Passport or Airline ticket showing arrival date into home  country to intl.insure@binghamton.edu  Fall: Oct 15
Spring: Feb 15  
 The entire semester health insurance fee is credited to your tuition bill.
 CPT with Employer Health Insurance 1. Copy or Link to your current Insurance policy (full version in English)
specifying benefits and Coverage sent to intl.insure@binghamton.edu.
(or a hard copy delivered to the ISSS Office).

2. Front and Back copy of your current insurance card showing name and coverage dates.

 Fall: Dec 1
Spring: Feb 15

 The current semester fee for international health insurance is credited to your tuition bills, less the charge for medical evacuation and repatriation insurance coverage.
 Visa other than F1 or J1  NONE. Proof of visa status  may be requested.  Fall: Oct 15
Spring: Feb 15 
 The entire semester health insurance fee is credited to your tuition bill.
 Student with Private Insurance 

 1. Copy or Link to your current Insurance policy (full version in English)
specifying benefits and Coverage sent to intl.insure@binghamton.edu.
(or a hard copy delivered to the ISSS Office).

 2. Front and Back copy of your current insurance card showing name and coverage dates.
 Fall: Oct 15 
Spring: Feb 15  
 The current semester fee for international health insurance is credited to your tuition bills, less the charge for medical evacuation and repatriation insurance coverage, unless your private insurance provides for it.
 J-1 Scholar
 1. Copy or Link to your current or desired Insurance policy (full version in English)
specifying benefits and Coverage sent to intl.insure@binghamton.edu.
(or a hard copy delivered to the ISSS Office).

 2. Front and Back copy of your current insurance card showing name and coverage dates, if you are already enrolled.
 Appointment Start Date

 J-1 Scholars are charged for insurance by ISSS upon arrival to  the U.S. Therefore waiver approval must be obtained immediately upon arrival to Binghmton University. No refunds are granted.
 J-2 Scholar
 Same as J-1 Scholar  Appointment Start Date  As of 01/01/2016 alternate policies for J-2 family members must meet ALL coverage benefit levels available in the SUNY plan for Dependents


Last Updated: 12/2/15