Calvin College uses a "hard" waiver system, meaning all undergraduate students who are enrolled in 6 or more credit hours will be asked on an annual basis to provide proof of comparable existing insurance and submit a signed waiver. Please note, we do not accept or direct bill Medicaid, Medicare or TriCare.
To meet Calvin College's insurance requirements, private health insurance must meet the following conditions:
If you do not know if your current health insurance plan meets these requirements, contact your plan administrator to get accurate information before submitting a waiver form. If your insurance is an out-of-state Medicaid plan, you must also submit additional documentation that you are covered in Michigan.
Each Spring, students currently enrolled at Calvin College for 6 or more credit hours must submit information about their current health insurance coverage. This is your chance to enroll in or waive out of the United HealthCare Student Plan for the next school year. If you choose to waive out of the plan, you must be prepared to answer questions about your current health insurance coverage. Failure to submit a signed waiver may result in a registration hold and automatic enrollment in the college-sponsored plan.
While we recognize that Canadian students have provincially-subsidized health care administered by their own government, the college feels strongly that the Canadian provincial plans offer only limited coverage for health care received in the United States. We therefore require Canadian students to carry supplemental insurance in order to waive out of enrollment in the Student Health Insurance Plan (United HealthCare Student Plan).
Canadian Students are required to purchase the United HealthCare Student Plan if they cannot provide proof of supplemental coverage that meets the college's minimum insurance requirement. Travel insurance and other emergency-only plans are not considered comparable and do not meet the college's minimum insurance guidelines.
Unlike health care costs in many countries, health care in the United States is very expensive. To provide affordable and easy access to medical care while you are studying in the United States, Calvin College requires all international students to enroll in the Student Health Insurance Plan (United HealthCare Student Plan).
The most common problems with other insurance you may purchase includes paying out of pocket first and then being reimbursed for charges later; paying a high deductible every time you go off campus for medical care; exclusion of mental health benefits; etc.
This is why all international students are required to enroll in the Student Health Insurance Plan in order to meet the college's minimum insurance standard. Do not purchase other travel insurance or other emergency-only plans. They are not considered comparable, and do not meet Calvin College's minimum insurance guidelines.
There are international students who may have plans that meet PPACA requirements. If that is the case, we ask that those international students send their plan information to Health Services by August 15th for review. All plans will be denied after this date. Please note that Calvin College does not accept the following insurance plans: ISO, LIG, AIG, or Dongbu.