Jane Dotson
Students at Northern Illinois University (NIU) are automatically billed for the NIU student health insurance plan if they are enrolled in nine or more hours of classes. However, students can waive the NIU health insurance plan if they have alternative insurance that meets the minimum Affordable Care Act standards. While Medicaid policies from other states are not acceptable for a waiver, students with Medicaid can explore other options to waive the NIU health insurance plan.
Can Medicaid be used to waive NIU health insurance?
| Characteristics | Values |
|---|---|
| Can students waive their NIU health insurance? | Yes, students may waive their Student Health Insurance by the published deadline date if they have insurance that meets the minimum Affordable Care Act standards. |
| What kind of insurance policies are not acceptable for a waiver? | Medicaid policies from other states, International Student Insurance Plans, Travel, Short-term plans, and out-of-state HMOs. |
| What is the deadline to enroll in the SHI plan? | Students must complete the online enrollment form by the published deadline date. |
| Who is eligible to purchase the SHI plan? | Students working on their thesis, doctorate, or internship and taking at least 1 credit hour are eligible to purchase the SHI plan. This option is available for four semesters only. |
| Are international students eligible to purchase student health insurance? | International students taking less than 6 credit hours are able to purchase student health insurance if they enroll in at least 1 credit hour on or off-campus. |
| What is the duration of summer coverage? | June 1 to July 31. |
| What is the minimum number of hours required to be enrolled for the NIU student health insurance plan? | Students enrolled for nine or more hours are automatically billed for the NIU student health insurance plan unless all credit hours are entirely online or entirely off-campus. |
| Are incoming international students required to keep the NIU student health insurance plan? | All incoming international students who enroll in nine or more credit hours are required to keep the NIU student health insurance plan their first semester unless their government sponsors them. |
| What are the different types of health plans available at NIU? | PPO plans (the Quality Care Health Plan and the Consumer Driven Health Plan), HMO plans, and open access plans (OAP). |
| Do all health insurance plans include a vision plan? | Yes, a vision plan is included in all health insurance plans at no additional cost. |
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What You'll Learn
- International students can waive insurance with government sponsorship
- Students with Medicaid from other states are ineligible for a waiver
- Students can waive insurance with an alternative, approved plan
- Students enrolled in 9+ hours are automatically billed for NIU insurance
- NIU employees can access insurance through the State Employees Group Insurance Program
International students can waive insurance with government sponsorship
International students at the University of Houston (UH) who are required to maintain health insurance can submit a waiver for each coverage period before the posted deadline. A sponsored student is defined as a student whose tuition and fees are paid directly to the university by the US government, a foreign government recognized by the US, or by certain international, government-sponsored or non-governmental organizations.
To be approved for a waiver of enrollment in the mandatory Student Health Insurance Plan (SHIP), an international student must meet certain eligibility criteria and have comparable insurance that is valid in the US. The student must submit proof of acceptable alternate insurance. This can include a plan provided by the student's government sponsorship that is equivalent to SHIP or a letter guaranteeing payment of all healthcare expenses.
The University of Houston System Policy [05.A.02] defines the Spring/Summer coverage period as January 1st - August 31st. The amount of the health insurance fee charged to the student's university account is based on the number of days in the duration of the coverage. Students enrolled in the UH System Endorsed Student Health Insurance Plan for the Spring term agree to this requirement by acknowledging the Health Insurance Notification and International Student Health Insurance Requirements, registering for classes, and being enrolled in the plan.
International students at Northern Illinois University (NIU) may not waive their Student Health Insurance (SHI) with Medicaid policies from other states, as these are not acceptable. International Student Insurance Plans, Travel, Short-term plans, and out-of-state HMOs are also not acceptable for waiver.
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Students with Medicaid from other states are ineligible for a waiver
Students enrolled for nine or more hours at Northern Illinois University (NIU) are automatically billed for the NIU student health insurance plan. Students who are not taking nine hours may still enroll in the plan if they meet certain criteria. International students taking nine or more credit hours are required to keep the NIU student health insurance plan for their first semester unless their government sponsors them.
Students may waive the NIU student health insurance plan by the published deadline date if they have insurance that meets the minimum Affordable Care Act standards. However, it is important to note that Medicaid policies from other states are not acceptable for a waiver. This means that students with out-of-state Medicaid coverage are not eligible to waive the NIU student health insurance plan. The university only accepts in-state Medicaid policies that meet the minimum Affordable Care Act standards for a waiver.
Other types of insurance plans that are not acceptable for a waiver include international student insurance plans, travel insurance plans, short-term plans, and out-of-state HMOs. These plans do not meet the requirements for a waiver, and students with such plans will be expected to enroll in the NIU student health insurance plan. Students who wish to waive the NIU student health insurance must provide documentation of their alternative insurance coverage and ensure that it meets the necessary standards.
It is important for students to carefully review the requirements and criteria for waiving the NIU student health insurance plan. The university has specific guidelines in place to determine eligibility for a waiver. By considering factors such as the type of insurance plan, the number of credit hours enrolled, and the student's residency status, NIU ensures that students have access to adequate health coverage during their studies. Students with questions or concerns about their specific situation can contact the NIU Student Health Insurance Office for more information and guidance on waiver instructions.
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Students can waive insurance with an alternative, approved plan
Students at Northern Illinois University (NIU) are automatically billed for the NIU student health insurance plan if they are enrolled for nine or more hours. However, students can waive the NIU insurance plan if they have alternative insurance that meets certain criteria.
NIU allows students to waive their student health insurance by the published deadline date if they have insurance that meets the minimum Affordable Care Act standards. It is important to note that Medicaid policies from other states, international student insurance plans, travel insurance plans, short-term plans, and out-of-state HMOs are not acceptable forms of insurance for a waiver. Students who are enrolled in the student health insurance plan for the spring semester will be covered through July 31, even if they graduate in May.
For international students, NIU requires them to keep the NIU student health insurance plan during their first semester unless their government sponsors them. After their first semester, international students can submit a waiver with one of the approved plans. International students taking less than six credit hours are able to purchase student health insurance if they enroll in at least one credit hour on or off-campus.
NIU employees have access to insurance plans through the State Employees Group Insurance Program (SEGIP), which is offered by the Illinois Department of Central Management Services (CMS). There are three types of health plans available through SEGIP: PPO plans (including the Quality Care Health Plan and the Consumer Driven Health Plan), HMO plans, and open-access plans (OAP). A vision plan is included in all health insurance plans at no additional cost, and life insurance is offered by CMS as well.
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Students enrolled in 9+ hours are automatically billed for NIU insurance
Students enrolled in 9 or more credit hours at Northern Illinois University are automatically billed for the Student Health Insurance plan. This applies to both on-campus and off-campus students. However, students whose credit hours are entirely online are exempt from this requirement.
Students who already have existing health insurance coverage may waive the Student Health Insurance plan, provided they do so by the published deadline date. To be eligible for a waiver, a student's existing insurance plan must meet the minimum Affordable Care Act standards. It is important to note that Medicaid policies from other states, International Student Insurance Plans, Travel Insurance, Short-term plans, and out-of-state HMOs are not acceptable for waiver.
For students taking less than 9 credit hours, enrolling in the Student Health Insurance plan is optional. These students may choose to enroll in the SHI plan as long as they have at least 6 credit hours, either on or off campus. Additionally, students working on their thesis, doctorate, or an internship while taking at least 1 credit hour are also eligible to purchase the SHI plan.
International students attending Northern Illinois University have specific considerations. Those taking less than 6 credit hours can purchase student health insurance if they enroll in at least 1 credit hour, either on or off campus. This flexibility allows international students with a lighter course load to maintain health insurance coverage during their studies.
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NIU employees can access insurance through the State Employees Group Insurance Program
Students at Northern Illinois University (NIU) may waive their Student Health Insurance by the published deadline date if they have insurance that meets the minimum Affordable Care Act standards. However, it's important to note that Medicaid policies from other states, international student insurance plans, travel insurance, short-term plans, and out-of-state HMOs are not acceptable for waiver.
Regarding NIU employees, they can indeed access insurance through the State Employees Group Insurance Program. NIU employees have access to comprehensive insurance coverage, including health, dental, vision, long-term disability, and life insurance. These benefits are administered by the university's Human Resource Services department, and eligibility requirements must be met to receive certain benefits. Some benefits are provided by the state of Illinois, while others come directly from NIU.
The State Universities Retirement System (SURS) disability benefit is an automatic component of participation in SURS. Additionally, eligible employees can access retirement benefits through SURS and supplemental retirement plans. NIU employees can also opt for long-term disability coverage through Prudential. The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows for the extension of health, dental, and vision coverage when it would otherwise end for the employee or a dependent.
It's important to note that eligibility for insurance is dependent on residency status for tax purposes. F1 and J1 visa holders, for example, generally do not qualify for insurance if they haven't established residency status. NIU's Human Resource Services provides assistance in determining eligibility for individuals in this situation.
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Frequently asked questions
No, Medicaid policies from other states are not acceptable for an NIU health insurance waiver.
International Student Insurance Plans, Travel, Short-term plans, and out-of-state HMOs are also not acceptable for an NIU health insurance waiver.
Yes, students may waive their Student Health Insurance by the published deadline date if they have insurance that meets the minimum Affordable Care Act standards.
Contact the NIU Student Health Insurance Office at [email protected] or 815-753-0122 for waiver instructions.
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