Health Insurance Frequently Asked Questions

Who is required to have health insurance?
  • All full-time undergraduate domestic students registered for 9 units or more (excluding Working Adult Professional Studies Students/Legacy CPS Students and Visiting Students)
  • All international students on an F-1 or J-1 visa and registered for at least 1 unit (this includes undergraduate, graduate, and law students)
  • Students who reside in the University-operated housing (including graduate and professional students)


Who is automatically enrolled in the automatic insurance policy?
  • All full-time undergraduate domestic students registered for 9 units or more and all international students on an F-1 or J-1 visa and registered for at least 1 unit.


How do I apply for a waiver?

Students who are able to prove that they have coverage comparable to the University-sponsored plan under a United States-domiciled health insurance company may waive this requirement online each academic year. International students must waive it in person at the Health Promotion Services office (UC fifth floor). The last day to apply for a spring waiver is 2/4/11 at 5 PM


I am not automatically enrolled in the University health insurance. How can I voluntarily enroll and pay for the University-sponsored insurance plan?

Students who are registered for at least 6 units can elect to purchase the University-sponsored health insurance plan online.


I am a domestic student how will I know if my insurance meets the requirements for a waiver?

Students must have insurance coverage from a United States-domiciled insurance company with a lifetime maximum of at least $100,000 per year. The plan must cover inpatient coverage (including mental health and emergency services) and out patient coverage (including mental health, office visits, and ancillary procedures). The coverage must be available in the San Francisco area and remain in force throughout the academic year.


I am an international student how will I know if my coverage meets the requirements for a waiver?

The plan must meet all the following requirements:

  • Policy must be underwritten by a United States-domiciled (United States-based) insurance company.
  • Medical benefits of at least $100,000 per accident or illness.
  • Deductible no greater than $500 per accident or illness.
  • Medical evacuation minimum of $10,000 in coverage.
  • Repatriation minimum of $7,500 in coverage.
  • Pre-existing conditions must be covered after a reasonable waiting period.
  • Includes provision for co-payment that does not exceed 25%.
  • Coverage cannot exclude benefits for perils inherent to the activities of the program in which the visitor participates.


If I am enrolled in the plan when will I receive my insurance card?

Insurance cards are mailed after the census date for the semester. If you don't get your card, please contact HPS at 415.422.5797.


I live in University-operated housing and I am not automatically enrolled in the health insurance what are my requirements?

You are required to have health insurance. You must purchase the coverage or mail in a copy of your insurance card (both sides) in order to comply with the USF health insurance policy. Mail to: The Office of Residence Life, 2130 Fulton St., PH 140, San Francisco, CA 94117.


What are the dates and premium for the University-sponsored medical plan for students and their dependents?

Spring/Summer 2011:

Enrollment deadline: 2/4/11

Student fee: $713

Spouse/LDA fee: $2276

Child fee: $643


Are my dependents eligible?

If you are eligible for the plan and enrolled in the plan then your spouse/LDA and/or children are eligible.


What is the insurance plan?

Click here to view 20010-2011 Aetna benefit highlights


How do I find a primary doctor? 


Will I be covered by the University-sponsored plan if I am outside of the United States?

The plan offers coverage outside of the United States. As part of the benefits package students have access to On Call International at no additional cost.

Click here to view 2009-2010 Aetna/On Call International benefit highlights

Click here for an On Call International ID card

Click here for benefit comparison between On Call International and Aetna


Will I be covered by the University-sponsored plan if I am away from San Francisco on break traveling domestically or home for the summer?

Yes. Students who are enrolled in the University-sponsored plan have benefit coverage throughout the United States. Use this link to find a provider in your area:


What are the deductible and co-pay amounts of the University-sponsored plan?

The deductible is $150 per benefit year (waived for office visits and preventative care). After the deductible has been met, the plan pays 90% of the charges and the student pays 10% of the charges for in-network services. After the deductible has been met, the plans pays 70% of the charges and the student pays 30% of the charges for out-of-network services.


Are prescriptions covered?

Yes. There is a co-pay for each prescription at participating pharmacies of $10 (generic), $20 (brand name formulary), or $35 (brand name non-formulary).


Does the University-sponsored plan cover dental visits, vision visits, eyeglasses or contacts?

The plan does not cover dental, vision, eyeglasses or contacts.

Click here for a partial list of dental and vision insurance companies and resources available in the San Francisco Bay Area. Dental coverage is available through Aetna click here to purchase.

Students who are members of the University sponsored Aetna plan, can also take advantage of vision services, discounts, and programs. These are not underwritten by Aetna.

To learn more about these additional services and search for providers visit,


I don't have the University-sponsored insurance. Can I still go to the Student Health Clinic?

Yes. All currently enrolled students can be seen by a nurse practitioner at the USF Clinic. Students should bring their valid USF ID and insurance card.


If I buy insurance for the Spring/Summer term and don't take summer classes will I still be covered?



When I graduate or leave USF what happens to my coverage?

Students' coverage terminates on the expiration date of the enrolled period. It is the student's responsibility to find alternate coverage after the expiration date.

Here is a link to the Aetna site with resources to explore alternate coverage options: