Annual verification of insurance

Calvin University 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. 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 on an annual basis may result in a registration hold and automatic enrollment in the university-sponsored plan.

Please note, while students may waive out of the United HealthCare Student Plan with Medicaid, Medicare or Tricare, we do not direct bill those insurances in our office.

United HealthCare Student Plan Waiver Form

Requirements to opt out of the United HealthCare Student Plan

To meet Calvin University’s insurance requirements, private health insurance must meet the following conditions:

  • Provides coverage for medically necessary care in the greater Grand Rapids area and anywhere in the United States
  • Provides coverage for the entire academic year
  • Provides coverage for at least $100,000 per year
  • Provides both medically necessary outpatient treatment and hospitalization for medical and surgical services
  • Plan is not a travel plan or an "emergency only" plan
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.

Health insurance for international students

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 University 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 university’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 University’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 University does not accept the following insurance plans: ISO, LIG, AIG, Hanwha, Samsung Fire, KB, or Dongbu.

Insurance requirements for Canadian students

While we recognize that Canadian students have provincially-subsidized health care administered by their own government, the university 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 university’s minimum insurance requirement. Travel insurance and other emergency-only plans are not considered comparable and do not meet the university’s minimum insurance guidelines.