Frequently Asked Questions

Opt-Out/Waiver

If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver.

Only one waiver per academic year is required. PSU academic year restarts every Fall term.

You may only opt-out of coverage during the following Waiver Periods:

Spring/Summer Term: 02/16/2023 - 04/16/2023

Summer Term: 05/08/2023 - 07/09/2023

In order to complete the online insurance waiver, you must first be registered for the required amount of credits.

DOMESTIC STUDENTS WAIVER

To qualify for a waiver, your health insurance plan must meet the requirements as listed below.

Your private health insurance plan must:

  1. Have a yearly, individual deductible of $2,500 or less.
  2. Cover at least 70% of Inpatient Hospitalization.
  3. Be active by the first day of the term you are waiving.

As a reminder, all OHP, VA and Tricare plans have a $0 Individual Deductible and 100% Coinsurance. Students enrolled in OHP or VA coverage are not required to upload a benefit summary when submitting a waiver.

Please note: Pooled gifting plans are not accepted as comparable coverage because they are not guaranteed health insurance plans, examples are:

  • Liberty Health Share
  • Christian Healthcare Ministries
  • Samaritan Ministries
  • Medi-Share

If your private health insurance plan meets the criteria you are eligible to apply for a waiver of the PSU Student Health Insurance Plan. Have the following information ready before you begin your waiver application.

  • Your medical ID card
  • Your PSU ID number
  • Your private health insurance plan benefits summary

INTERNATIONAL STUDENTS WAIVER

There are 3 circumstances in which a J1 or F1 international student may waive out of the PSU Student Health Insurance Plan:

  • You are sponsored by your government and provided U.S. healthcare that meets the below criteria.
  • You, your spouse, or your parent are employed by a U.S. employer (i.e. Intel or Nike), and they provide you U.S. healthcare that meets the below criteria.
  • You are a J1 student who purchased health insurance with medical evacuation/repatriation prior to arriving in the U.S.

All other J1 or F1 students may not waive out of the mandatory PSU Student Health Insurance Plan.

If you do meet one of the 3 above criteria, then your private health insurance plan must:

  1. Have a yearly, individual deductible of $2,500 or less.
  2. Cover at least 70% of Inpatient Hospitalization.
  3. Provide minimum coverage of 50K for Medical Evacuation and Repatriation.

If your private health insurance plan meets the criteria you are eligible to apply for a waiver of the PSU Student Health Insurance Plan. Have the following information ready before you begin your waiver application.

  • Your medical ID card
  • Your PSU ID number
  • Your private health insurance plan benefits summary