Health Insurance for Graduate Students

Health insurance is an investment in your well-being and peace of mind.

Requirement

Population Registered for Requirement
U.S. citizens and permanent residents, living off campus 1-5 credit hours Are NOT automatically enrolled and charged for insurance. Eligible to purchase USF- Sponsored health insurance plan online
U.S. citizens and permanent residents, living off campus 6 credit hours or more Required. Automatically enrolled and charged for insurance (excluding visiting students, certificate programs, and online programs)
U.S. citizens and permanent residents, living on campus Any number of credit hours Required. Automatically enrolled and charged for insurance

Enroll

Graduate students who are required to have health insurance and all graduate International Students will be automatically enrolled in and charged for the USF-sponsored health insurance plan.

For more information on the USF-sponsored health insurance plan, including benefits, cost, and claims, visit Student Plan.

Graduate students who wish to voluntarily enroll in the USF-Sponsored health insurance plan online can follow these steps:

  1. Go to the Aetna Member Navigator Website.
  2. In the left navigation menu, click on "Medical Plan: Enroll."
  3. Click on the submenu "Graduate Students."
  4. Click on "Enroll: Graduate Students."
  5. Follow the prompts to enter all the necessary information to enroll.
  6. After entering all the necessary information, pay using a Visa or Mastercard.

Opt Out Criteria 

Students who already have a health insurance plan comparable to or better than the USF- Sponsored health insurance may petition to waive the health insurance requirement. Students are expected to maintain comparable health insurance coverage at all times during their waiver period. However, if a student’s health coverage is dropped, it is the student’s responsibility to contact Health Promotion Services to discuss their options at hps@usfca.edu or 415.422.5797.   Students who waive their health insurance in the  Fall 2014 semester, do not need to waive the Spring 2014 coverage. 

Criteria for waiving the health insurance requirement:
  • Health plan must be provided by a company licensed to do business in the United States, with a U.S claims payment office and phone number. 
  • Health plan must provide an unlimited policy year maximum.
  • Health plan must pay at least 80% of covered medical expenses (80/20 co insurance).
  • Health plan must have an annual out of pocket maximum of $6,350(individual)/$12,700(family) or less.
  • Health plan must provide access to Medical care (including primary care office visits,routine health examinations, and preventative care) within 20 miles of your campus. City health insurance plans(i.e Healthy San Francisco, Contra Costa County.ect.) do not meet USF insurance requirements. 
  • Health plan must cover hospital stay for all medical, surgical, and mental health/substance abuse conditions without limitations.
  • Health plan must provide unlimited doctor office visits(primary care visits) for medical and mental health. 
Instructions on how to submit the waiver:
  1. Go to the waiver application on the  Aetna Navigator Member Website.
  2. Follow the prompts to enter all the necessary information for your waiver.
  3. Scroll down and click on "Waive: Student Health Insurance Plan."
  4. Follow the prompts to enter all the necessary information for your waiver.   
Deadline:
  • The waiver/enrollment deadline for the Fall 2014 semester is Monday, September 1, 2014 at 5pm.