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Insurance Office
Cowell Wellness Center
Charity Torres
Student Insurance Coordinator
3601 Pacific Ave
Pacific Health Services
Stockton, CA 95211

Health Insurance Waiver

Fall waiver is valid for the entire academic year.  Spring waiver is valid for the Spring term only. An annual waiver must be resubmitted in the Fall (Summer Quarter for Dental Students).  Spring waiver application is closed.  

Students that have their own comprehensive health insurance and do not want to be automatically enrolled in and billed for the University sponsored Student Health Insurance Plan (SHIP)must submit an online waiver every academic year before the Fall term (Summer quarter for Dental students).    

  • This policy excludes distance learning, off-campus and external programs and therefore students are not eligible to enroll in SHIP. 
  • The deadline to submit the Annual Health Insurance Waiver is the first day of your Fall term ( Summer Term for Dental student). 
  • A Spring waiver will be available to opt out of the student health insurance plan enrollment for the Spring term if you have your own comprehensive health insurance plan at that time.

Health Insurance Waiver Requirements:

Your health insurance plan must include ALL of the following in order to qualify for a waiver (Domestic and International Students)

  • The plan must provide coverage for medical evacuation of $50,000 and repatriation of remains of $25,000 (International Students)
  • coverage for the entire academic year
  • must be a U.S. based insurance company
  • coverage for inpatient and outpatient hospitalizations
  • coverage to local doctors, specialists, hospitals, and other health care providers in emergency and non-emergency situations within your campus area
  • coverage for lab work, diagnostic x-rays, emergency room treatment, and prescription coverage within your campus area
  • coverage for inpatient and outpatient mental health, substance abuse and counseling services in your campus area

The following types of insurance plans are NOT acceptable and will NOT be considered:

  • Non-ACA (Affordable Care Act) compliant health care plan
  • Short Term Medical Plans that are available to purchase on a weekly or monthly basis
  • Insurance Plans that are underwritten in a Country outside of the United States
  • California Medi-Cal Health Plans that do NOT have assigned benefit coverage in your UOP campus area
  • Out of State Medicaid Insurance does not cover students in California