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 Fall 2013 semester, all waivers must be processed by September 10th.
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.
Students in the following categories are not required to purchase the North Carolina State University student medical insurance plan but must provide documentation to OIS no later than Friday, September 6, 2013 so the charge can be removed from their student account by the waiver deadline of September 10, 2013:
- J-1 Government Sponsored Students: Students in J-1 status who are sponsored by their government are not required to purchase additional health insurance. Students who wish to remove the Student Blue plan must bring to OIS a copy of their health insurance card as proof of coverage and a sponsorship letter that states the government will be responsible for the health insurance. For the Fall 2013 semester, supporting documentation to remove the Student Blue plan must be submitted to OIS no later than Friday, September 6, 2013.
- J-Others - Fulbright Students: Health insurance coverage is provided through Fulbright and the students in this category are not required to enroll in additional health insurance. Fulbright students who wish to remove the Student Blue plan must bring proof of health insurance to OIS. For the Fall 2013 semester, supporting documentation to remove the Student Blue plan must be submitted to OIS no later than Friday, September 6, 2013.
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.
