Insurance Waivers

F-1 and J-1 Students 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
  • $400,000.00 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.

All waiver requests must be submitted via the Health Insurance Waiver Request E-Form in Sunapsis.  A link to the instructions for submitting the E-Form can be found at the bottom of this page.

 

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

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.     Current semester fee for International Health Insurance is credited to your Student Account, less the charge for medical evacuation and repatriation Insurance coverage and short term International Insurance needed until your employee benefits begin.
 Studying in  Home Country  Passport or Airline ticket showing arrival date into home country.   Fall: Oct. 15
 Spring: Feb. 15  
 Entire semester International Health Insurance fee is credited  to your Student Account.
 CPT with  Employer  Health  Insurance 1. Copy of Insurance  policy  (full version in  English) specifying  benefits  and coverage.
2. Front and Back copy of  your current insurance  card  showing name  and coverage dates.

 Fall: Oct. 15
 Spring: Feb. 15

 Current semester fee for International Health Insurance is credited to your Student Account, 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 
 Entire semester International Health Insurance fee is credited  to your Student Account.
 Student with  Private  Insurance

 1. Copy of Insurance  policy (full version in  English) specifying  benefits and coverage. 
 2. Front and Back copy  of your current Insurance  card showing name  and coverage dates.
 Fall: Oct. 15 
 Spring: Feb. 15  
 Current semester fee for International Health Insurance is credited to your Student Account, less the charge for medical evacuation and repatriation insurance coverage, unless your private insurance provides for it.

 

For instructions on submitting a Health Insurance Waiver Request, click here.

Last Updated: 6/8/16