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Insurance

Information about student insurance enrollment, waivers, and more

To schedule an appointment with the Insurance Coordinator, Tammy Oh, email toh2@scu.edu or call the Cowell Center during business hours at (408) 554-4501.

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, must be enrolled in the student health insurance plan and will be automatically enrolled into the plan regardless of number of units UNLESS the student meets the waiver exception of being
    • A currently enrolled dependent on a spouse/parent/partner’s employee plan or employer US based and Affordable Care Act compliant plan.
  • 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.  


Students will be automatically signed up and charged for the SHIP if they meet the following enrollment minimums:
 U.S. CitizensInternational (other than F-1/J-1)F-1/J-1 Students
Undergraduate 6+ units 6+ units 1+ units**
Graduate at least half-time enrolled* at least half-time enrolled* 1+ units**
School of Law at least half-time enrolled* at least half-time enrolled* 1+ units**
Jesuit School of Theology at least half-time enrolled* at least half-time enrolled* 1+ units**

 *Graduate and Law students are encouraged to verify with their school/program if they are considered half-time enrolled.

**Automatically enrolled and charged for health insurance  There are no exceptions to this rule for J-1 students.

 

 

Frequently Asked Questions

 

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).  ALL F-1 visa students, regardless of number of units, are required to have insurance.  Years of experience and demographic data have shown that students who fell ill and were unable to meet the costs of their medical needs often dropped out of the University. Requiring adequate coverage under a health insurance plan enables students to seek medical attention and treatment promptly, and complete their academic goals.

In order to make sure that you are not automatically enrolled in the school sponsored insurance plan, you must complete the on-line waiver form with your own insurance information. This is required EVERY ACADEMIC YEAR. To access the waiver form, go to click here.

Please see here for waiver deadlines.

Yes, the school sponsored insurance plan covers U.S. students while they are home or studying abroad. Within the U.S. students will get the best benefit if they go to a provider contracted with the school sponsored insurance plan. While studying or traveling abroad, students will have to pay out of pocket for services but may submit a claim form to the school sponsored insurance plan for reimbursement upon their return to the U.S. Covered expenses will be reimbursed on an out-of-network basis. When submitting a claim to the school sponsored insurance plan, students must submit an itemized bill(s) translated into English for the medical services provided. International students on the school sponsored insurance plan are covered as noted above while studying or traveling abroad, however, not in their home country.

To review the Anthem Student Advantage plan benefit details, go to ANTHEM STUDENT ADVANTAGE PLAN BROCHURE.

All students are welcome to use the Cowell Center regardless of their insurance. Graduate students who have medical insurance other than the university sponsored insurance plan, may access health center services by paying a quarterly fee.  For all students, any fees associated with their visit (i.e. lab work, immunizations, medications) those charges will be billed to their student account for payment. We DO NOT bill insurance companies. Students may request a receipt from the receptionist at the Cowell Center so that they may file a claim form with their insurance company.

Students enrolled in the school sponosred insurance plan may take advantage of the Basix Dental Savings Program available through Gallagher Student Health. Basix is a discount program, not an insurance plan. Students will have copays associated with dental visits. For additional information, go to www.basixstudent.com.

Students may also enroll into a separate dental plan with Delta Dental Care HMO during their open enrollment period in September and January. For information on the Delta Dental Care HMO plan please visit here. for benefit and coverage information. It is important to remember the Delta Dental plan is an HMO plan and not PPO plan. Students must go to dental providers that accept this insurance.

You may contact the Student Health Insurance Coordinator, at (408)554-2379. If you are currently enrolled in the school sponsored insurance plan and have questions you may contact Anthem Student Advantage plan at (800) 888-2108.

Those students losing coverage under their current plan may enroll into the SCU insurance by completing the Petition to Add (PTA) form within 31 days of losing coverage. The PTA form may be found on the Gallagher site under Student Access on the left hand side of the page.