Haris Ashley
Fairfield University requires that all full-time undergraduate, graduate, and second-degree nursing students maintain or purchase a health insurance policy. The University offers a hard waiver program, where students who already have insurance and do not want the University-sponsored insurance plan must complete an online waiver to provide proof of coverage. Students who wish to cancel their medical insurance with Fairfield University and receive a full credit on their tuition bill can do so by following the waiver process and providing proof of comparable or better health insurance coverage through other means. Additionally, Fairfield University offers tuition insurance plans through GradGuard, which provide reimbursement for tuition, fees, and room and board in the event that a student needs to withdraw from the semester due to a covered medical reason.
| Characteristics | Values |
|---|---|
| University | Fairfield University |
| Insurance Type | Health Insurance |
| Students Required to Have Insurance | Full-time undergraduate, graduate, and second-degree nursing students |
| University-Sponsored Insurance Plan | Available |
| Waiver | Available for students with comparable or better insurance coverage through other means |
| Waiver Deadline | Varies by year; for 2024-25, the deadline is September 18, 2024 |
| Cost of University-Sponsored Insurance Plan | $4,188.00 yearly |
| Cost on Tuition Bill | $2,816.00 for 2024-25 academic year |
| Tuition Insurance | Available through GradGuard |
| Tuition Insurance Provider | Jefferson Insurance Company |
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What You'll Learn
Fairfield University's hard waiver program
Fairfield University's "hard waiver" program requires that all full-time undergraduate, graduate, and second-degree nursing students maintain or purchase a health insurance policy. Under this program, full-time undergraduate, graduate, and second-degree students are automatically enrolled and billed each July for the University-sponsored health insurance policy for the upcoming academic year. A charge for this policy appears on the student's tuition bill.
However, the "hard waiver" program also allows students who already have insurance and do not want the University-sponsored insurance plan to opt out. To do so, they must complete an online waiver form to provide proof of their existing coverage. This waiver must be completed annually, with deadlines typically in August. Students who successfully waive the University-sponsored insurance will receive a full credit on their tuition bill.
It is important to note that international students cannot waive the University-sponsored health insurance coverage and are required to enrol in it. Additionally, for a student's existing insurance policy to qualify for the waiver, it must meet or exceed the coverage provided by the University-sponsored plan, and it must be written and filed in the United States.
Students can learn more about the "hard waiver" program, including the specific steps to complete the waiver form, by visiting the Fairfield University website or contacting [email protected].
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Waiver requirements
Fairfield University requires all full-time undergraduate, graduate, and second-degree nursing students to maintain or purchase a health insurance policy. The University offers a "hard waiver" program, under which students who already have insurance and do not want the University-sponsored insurance plan must complete a waiver to provide proof of coverage. This waiver must meet or exceed the coverage provided by the University-sponsored plan and must be written and filed in the United States.
The waiver for the 2024-25 academic year will be available in mid-June, with a deadline of September 18, 2024. Students enrolling at Fairfield for the first time for the Spring 2025 or Summer 2025 semester do not need to file a waiver for the 2025-2026 academic year. Students will receive a reminder from [email protected] when the waiver is available.
International students holding a J1 visa, as well as all full-time graduate, doctoral, and second-degree nursing students (domestic and international), cannot waive the University-sponsored health insurance coverage and must maintain or purchase a health insurance policy.
To complete the waiver process, students must first access the online waiver form. Once the form is submitted, students can verify that the waiver and subsequent credit have been successful by checking their bill issued by the Bursar's Office in early July.
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Deadlines to waive insurance
Fairfield University's "hard waiver" program requires all full-time undergraduate, graduate, and second-degree nursing students to maintain or purchase a health insurance policy. Students who already have insurance and do not want the university-sponsored insurance plan must complete an online waiver to provide proof of coverage. The waiver for the 2024-25 academic year will be available in mid-June, with a deadline of Wednesday, September 18, 2024.
Students enrolling at Fairfield for the first time for the Spring 2025 or Summer 2025 semester do not need to file a waiver for the 2025-2026 academic year. They will receive a reminder from [email protected] when the waiver is available for the next academic year.
The waiver process allows students with comparable or better health insurance coverage through other means, such as parents' or spouses' plans, to opt-out of the university-sponsored plan. International students, however, cannot waive the university-sponsored health insurance coverage and are required to purchase it.
To waive the insurance, students must follow these steps:
- Complete the online waiver form: The form will be available on the university's website in mid-June for the 2024-25 academic year.
- Provide proof of coverage: Students must submit documentation that demonstrates their existing health insurance coverage.
- Verify the waiver: Once the bill is issued by the Bursar's Office in early July, students can verify that the waiver has been successful by checking their tuition bill.
- Receive full credit: Students who successfully waive the university-sponsored insurance will see a corresponding credit on their tuition bill.
It is important to note that the deadline to waive student health insurance may vary from year to year. For example, in 2020, the deadline was August 6, and in 2018, it was August 2. Students should always refer to the official university website and communications for the most up-to-date information regarding deadlines and waiver processes.
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International students' health insurance
International students at Fairfield University are required to have health insurance. All F-1 and J-1 students will be enrolled in the University's health insurance plan, which costs $4,188.00 per year. International students cannot waive the University-sponsored health insurance coverage, even if they have comparable or better insurance through other means.
The Fairfield University Student Health Insurance Plan is administered by Gallagher Student Health and provides coverage for a range of services, including:
- Worldwide Travel Assistance, including Medical Evacuation, Repatriation, and Political & Natural Disaster coverage.
- Access to the Cigna PPO Network of healthcare providers, both at home and throughout the country.
- Voluntary Dental Insurance is available for all students, regardless of Student Health Insurance enrollment.
To enrol in the University-sponsored insurance plan, international students can email [email protected]. Students will then be able to obtain their Health Insurance ID Card electronically on the website of the insurance company or claims company. This card is needed for providers to know who to bill for services.
Students can also consider alternative insurance plans, such as those offered by American Visitor Insurance, which are usually cheaper than University insurance while offering similar coverage. International students should verify that any alternative insurance plan meets the requirements of the University.
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Gallagher Student Health
Fairfield University offers a Student Health Insurance Plan with Wellfleet coverage that is administered by Gallagher Student Health. Gallagher Student Health is committed to being the nation's leading full-service independent insurance program administrator for the education community. They provide high-quality, customised, and affordable insurance products and services.
The Fairfield University Student Health Insurance Plan, administered by Gallagher Student Health, offers several benefits. These include access to Preferred Providers, who are doctors, hospitals, or other healthcare providers that have agreed to accept a predetermined fee ("Preferred Allowance") as payment for their services. Using Preferred Providers results in lower out-of-pocket expenses for students. Additionally, the plan includes a Pharmacy Benefit Manager, who identifies where prescriptions can be filled ("participating pharmacies") and the associated costs.
To enrol in the Fairfield University Student Health Insurance Plan administered by Gallagher Student Health, students can email [email protected]. However, if a student already has comparable or better health insurance coverage and does not wish to enrol in the University-sponsored plan, they must complete an online waiver to provide proof of coverage. International students cannot waive the University-sponsored health insurance coverage.
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Frequently asked questions
To cancel your medical insurance at Fairfield University, you must complete a waiver to provide proof of coverage from another source. You can find the waiver at www.gallagherstudent.com/fairfield.
The deadline to waive the student health insurance for the 2024-25 academic year is Wednesday, September 18, 2024. The waiver will be available in mid-June.
Yes, students who complete the waiver to decline the University-sponsored plan will receive full credit on their tuition bill.
