Student Health Insurance Waiver Information

Students taking 10 credit hours or more in the Fall and/or Spring semester, or 8 or more credit hours in the Summer semester are automatically billed for the Student Health Insurance.
However, qualifying  students may request to waive out of the plan prior to the posted waiver deadline if they can provide proof of outside health insurance coverage that meets the College’s waiver standards. 

A waiver must be submitted electronically every Fall semester throughout your college career. If your waiver is approved for Fall semester, the waiver is valid until the next Fall semester, assuming you keep your health insurance active and in force throughout the academic year. Fall waivers are re-audited each Spring semester to verify that the insurance information you turned in for Fall semester is in fact still in force for Spring. If during the re-audit it is determined that you no longer have outside health insurance that meets the College’s waiver standards (and you are taking the required number of credit hours for insurance), you will be enrolled in the College sponsored plan and be required to pay the associated insurance charge.

If you start classes in the Spring or Summer semester a waiver must be submitted electronically for that semester and then again every Fall semester thereafter.

If you drop below the qualifying credit hours prior to the semester waiver deadline, your student health insurance will be removed, the charge refunded and you will not be covered by the College sponsored plan.

All waiver forms are audited for accuracy and verification of coverage will occur. Please be aware that falsifying submitted information is a serious violation of the Student Code of Conduct and any associated disciplinary action may apply. Future waiver request may also be subject to denial if it is determined that you submitted information that was not accurate and truthful.

How to Waive Out of the Plan

To improve the waiver process, the College has developed a new and more efficient waiver submission process. Effective immediately, all health insurance waivers must be submitted electronically. Prior to submitting a waiver it is your responsibility to thoroughly read the College Waiver Standards and instructions. This information is on-line when you access the Insurance Waiver Menu and is listed under the heading of  “College Waiver Standards”.

To access the on-line insurance waiver form complete the following:

• Click on the My Services/Registration tab within MetroConnect.
• Use your MetroConnect login and password to access My Services.
• Once you have logged in to My Services, click on the heading that is entitled, “Registration, Credit Card Payment, Student Records and Financial Aid Menu” from the Main Menu.
• Click on the “Insurance Waiver Menu” from the list of options that appear.
• Read the waiver instructions and the College Waiver Standards.
• If you qualify to submit a waiver, complete the electronic waiver form and submit.

Once you submit your waiver it will be audited for accuracy and verified to determine if it is approved as meeting all of the College Waiver Standards.

Waiver Standards

Prior to submitting your waiver, you must confirm that your health insurance plan meets each of the minimum standards outlined below. Plans that do not meet each of these standards will not be approved for waiver purposes. Your health insurance plan must be in the form of individual or group health coverage that includes ALL of the following minimum requirements:

1. Have an annual deductible of $5,000 or less;
2. Benefits must include a minimum of $250,000 per occurrence, with no less than a 50% co-insurance for major medical coverage, which includes in-patient hospitalization and associated services, and episodic care coverage for lab work, x-rays, prescription medications, outpatient procedures and acute illnesses/injuries;
3. Plan is required to include mental/nervous benefits and must be paid at the following minimum levels: outpatient - 50% coinsurance or a copay, with no less than a $1000 per year cap and/or 20 visits per year; inpatient – 70% coinsurance or a copay, with no less than $10,000 per year cap.
4. Plan maximum benefit must not be lower than $250,000.

Disclaimer: The College’s acceptance of the above waiver standards does not infer or suggest that such benefit levels are adequate to meet each student’s needs. Please note that the waiver standards are not representative of the College sponsored plan’s benefit levels. For students comparing outside health insurance options it is extremely important that the plan selected will not only meet their anticipated needs, but also ensure adequate coverage for unforeseen medical expenses.

Short Term Medical Plans (STM) are not acceptable for waiver purposes,  since they are sold by the month or in 6 month periods and are not automatically renewable.

In addition, the Colorado Indigent Care Program (CICP) is not insurance and cannot be used for waiver purposes.

See the Insurance Comparison Guide

Insurance Waiver Deadlines

You must submit your insurance waiver by the waiver deadline for the semester you are applying.
Waivers are not accepted after the Waiver Deadline. Once the deadline has past you will not be able to access the electronic waiver form for the current semester.
                                 
The waiver deadline dates are as follows:

Semester                               Deadline (last day to submit a waiver)        
Summer 2008                         June 5, 2008
Fall 2008                                September 3, 2008
Spring 2009                            February 4, 2009
Summer 2009                         June 4, 2009