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Student Health Insurance

Student Health Insurance Requirements
Santa Clara University requires all degree seeking students enrolled at least half-time in their school or college to have health insurance (excluding certificate and online programs). This requirement helps to protect against unexpected high medical costs and provides access to quality health care.  
All F-1 visa students, regardless of number of units, are required to have insurance.
All J-1 visa students must be enrolled in the student insurance plan and will be automatically enrolled into the plan regardless of number of units.
Students may purchase the university sponsored Student Health Insurance Plan (SHIP), but are not required to if they can provide proof of other U.S. insurance coverage comparable to an Affordable Care Act compliant plan. The university SHIP plan is an Affordable Care Act compliant plan.  
The waiver form must be completed by the established deadline date or the student will be automatically enrolled into SHIP and their student account appropriately charged. The waiver is required every academic year.
The cost of the university sponsored Student Health Insurance Plan is not covered in your tuition. This charge will show up as a separate item on your student account.  
The 2021/2022 Online Health Insurance Waiver
The annual fall waiver will open on JUNE 23, 2021 for all students.  

The 2021/2022 annual waiver deadline dates are as follows:
  • LAW: AUGUST 20, 2021
  • JST: SEPTEMBER 10, 2021
  • GRADUATE: SEPTEMBER 24, 2021
  • UNDERGRADUATE: SEPTEMBER 24, 2021
CLICK HERE to access the online waiver and enrollment forms as well as additional information in Gallagher Student Health & Special Risk.

The following types of insurance plans/programs are not acceptable and will not be considered:

  • Insurance plans that are called Travel Insurance do not provide acceptable coverage and may not be used for insurance coverage while at SCU.
  • Short Term Medical Plans that are available to purchase on a weekly or monthly basis are not acceptable coverage and may not be used at SCU.
  • Socialized medicine policies, including Canadian policies are not acceptable as insurance coverage while at SCU.
  • International insurance plans that are underwritten in a country outside of the United States are not acceptable as insurance coverage while at SCU.
  • California Medi-Cal health plans that do not have assigned benefit coverage in Santa Clara County.  Your Medi-Cal must have assigned benefits in Santa Clara County.
  • Out-of-state Medicaid insurance does not cover students in California and thus is not eligible coverage to complete the Waiver.

Additionally, your health insurance plan must include the following benefits/services:

  • Health insurance plans must provide coverage for medical evacuation of $50,000 and repatriation of remains of $25,000. (International Students)
  • Health insurance policy must provide unlimited lifetime maximum coverage. Benefits cannot have a specific maximum amount.
  • Pre-existing conditions must be coveredwith no waiting period.
  • Health insurance plans must provide coverage for inpatient and outpatient hospitalization in Santa Clara County, CA.
  • Health insurance plans must provide access to local doctors, specialist, hospitals and other health care providers in emergency and non-emergency situations in Santa Clara County, CA. 
  • Health insurance plans must provide coverage for lab work, diagnostic x-rays, Emergency room treatment, ambulance services and prescription coverage in Santa Clara County, CA.
  • Health insurance plans must provide coverage for inpatient and outpatient mental health.
  • Health insurance plan must be underwritten by a U.S. based insurance company.
2021/2022 Student Insurance Information
Santa Clara University would like to announce that our 2021/2022 health insurance will be provided by Anthem Student Advantage. The provider network is Anthem Prudent Buyer PPO.
ANTHEM STUDENT ADVANTAGE PLAN BROCHURE
ANTHEM OUT-OF-NETWORK CLAIM FORM
ANTHEM COWELL CENTER CLAIM FORM
Easy access to your health care benefits is important. That’s why your Anthem Student Advantage plan provides you with a digital ID card - to be sure you have the right plan information with you when you need care.
Your digital ID card is available right away. To access your ID card:
  1. Register on www.anthem.com/ca/ or via the Sydney Health mobile app, available on Google Play or Apple App Store, with your student I.D. (NOTE - please do NOT input the four leading zeros of your student I.D.) 
  2. Once you're logged in, check to make sure your ID card preference is set to digital.
Download your card to your mobile device:
If there's a weak internet connection you'll be able be prepared. You can:
  • Print a copy of your card anytime
  • Email or fax it from your computer or mobile device
  • Show it to your doctor from your smartphone. Your digital ID card is always there and works just like a printed ID card.

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For appointments with the Insurance Coordinator:

Go to MYSCU Portal and log in; click on Cowell Center My Student Health Portal to make an appointment.

You may also call the Cowell Center front desk at 408-554-4501.