Mandatory Insurance Hard Waiver Plan
NC State University along with the entire UNC System participates in a system-wide mandatory hard waiver plan administered by Student Blue (Blue Cross Blue Shield of North Carolina).
Please note: Students on Teaching and Research Assistantships will be provided NC State health insurance through the Graduate Student Support Plan (GSSP) and will be waived out of the hard waiver plan automatically.
This broad system-wide requirement has several advantages:
Premiums (cost for participation) are lower than for comparable individual plans.
Enrollment in the plan is automatic for eligible students and the premium fee will be charged directly to students’ NC State account and paid through the University Cashier's Office.
International students are eligible to waive out of the Student Blue plan. As this is a system-wide required plan with a waiver option, international students may be able to waive out of the Student Blue plan if proof of suitable alternate coverage can be provided. For the Spring 2014 semester, all waivers must be processed by January 31st.Minimum alternate insurance requirements for international students are as follows:
- Provide $50,000 per accident or illness
- Provide coinsurance of at least 80% for in-network services
- Provide a policy year deductible no greater than $500
- Provide maximum of $7,500 for repatriation of remains to the home country & a minimum of $10,000 for medical evacuation to the home country
NOTE: International students are required to maintain health insurance that meets the above criteria throughout their period of enrollment at NC State University. Among the eligibility requirements for the Student Blue plan is minimum enrollment of one credit for graduate students and six credits for undergraduates. International students who wish or need to pursue a Reduced Course Load (RCL) that would have them drop below these levels must demonstrate proof of other credible insurance before OIS will approve the RCL.
Fulbright students and other sponsored students who are provided with insurance from their sponsor may be eligible for a waiver of the North Carolina State University student medical insurance plan. However, such students must take action to waive out of the insurance no later than January 31, 2014 so the charge can be removed from their student account.
F or J Exchange students attending NC State based on an exchange agreement through NC State's Study Abroad Office (SAO) must adhere to SAO's policies on NC State health insurance.
For your convenience, we have created a brief online tutorial to explain everything you need to know about NC State University health insurance and health care services. To view the online tutorial please click below:
Health Care in the US
Please remember that as an F-1 or J-1 international student at NC State University, you are required to maintain health insurance coverage throughout your degree program.