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Cowell Center

Student Health Insurance

Student Health Insurance

Santa Clara University requires all degree seeking students enrolled at least half-time in their school or college to have health insurance (excluding certificate programs). This requirement helps to protect against unexpected high medical costs and provides access to quality health care.  

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.  

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
The 2022 Winter Quarter/Spring Semester Online Health Insurance Waiver
The 2022 Spring Quarter will open on February 23, 2022

The 2022 Spring Quarter waiver deadline dates are as follows:
  • GRADUATE: April 1, 2022
  • UNDERGRADUATE: April 1, 2022
CLICK HERE to access the online waiver and enrollment forms as well as additional information in Gallagher Student Health & Special Risk.

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:

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.) 

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.

Health Insurance Requirements

 US CitizensInternational
(other than F-1/J-1)
F-1/J-1 Students
Undergraduate 6 units or more 6 units or more 1 unit or more**
Graduate at least half-time enrolled* at least half-time enrolled* 1 unit or more**
School of Law at least half-time enrolled* at least half-time enrolled* 1 unit or more**
Jesuit School of Theology 6 units or more 6 units or more 1 unit or more**

 *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

Enrollment and Waiver Instructions

Students who are required to have health insurance, as outlined above, will be automatically enrolled and charged for the Santa Clara University sponsored health insurance plan.

Students covered by an Affordable Care Act compliant plan with comparable coverage to the SCU plan, may waive out of the automatic insurance enrollment by completing the online waiver form with their own insurance by the established waiver deadline date. For specific deadline information please go to the insurance waiver link from the Gallagher health insurance  page.

Students wanting to voluntarily request enrollment into the SCU health insurance plan may do so by visiting the insurance link.

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.

Please visit here to access the Medical Evacuation online enrollment form.

For information on the SCU sponsored health insurance plan, including benefits, premium cost and claims visit Student Health Plan

Waiver and Benefit Requirements

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. (F-1 Visa International Students)
  • Health insurance plans must be fully compliant with the Affordable Care Act.
  • Health insurance policy must provide unlimited lifetime maximum coverage. Benefits cannot have a specific maximum amount.
  • Pre-existing conditions must be covered with 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, specialists, 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 plans must be underwritten by a U.S. based insurance company. 
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 front desk at 408-554-4501

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.