Waiving Out of the Student Health Insurance Plan
If you have active health insurance with benefits that meet all the criteria listed below, you may apply for a waiver of enrollment in the WVSOM Student Health Insurance Plan. You will need to have your current insurance ID card and information regarding your plan benefits to complete the process. You must submit a copy of the front and back of your Medical Insurance ID card with your request. Once you have submitted the required information, you will receive an email verifying if your waiver meets the WVSOM requirements to waive.
Maintaining health insurance coverage is mandatory for all WVSOM students, and all students MUST be covered by an ACA compliant domestic health insurance plan. All students are required to enroll in the WVSOM - Sponsored Student Health Insurance Plan unless an acceptable Waiver is provided by the designated deadline.
The acceptable coverage to waive the WVSOM - Sponsored Student Health Insurance Plan is :
- Parent's Employer Group plan
- Spouse's Employer Group plan
- Military/Veterans Benefits
- West Virginia Medicaid (1st and 2nd year students only),
- Individual Plans will be accepted - The Deductible MUST NOT be more than $2,500 annually and must meet all the waiver requirements below. Individual plans will be verified on a quarterly basis.
The minimum level of coverage acceptable to waive the WVSOM- Sponsored Student Health Insurance Plan:
- Prescription coverage
- A provider network in the Lewisburg area for primary care, specialty, hospital and diagnostic care. For 3rd and 4th year students on rotations, the provider network must include states in which your rotations are in.
- Mental health coverage
- Coverage for the entire academic year, including summer and holidays
- Coverage for annual exam
- Adequate major medical coverage of at least $1,000,000 / policy year
If you have active domestic health insurance with benefits which meet the criteria above, you may apply for a waiver of enrollment in the WVSOM student health plan. You will need to have your current insurance ID card and information regarding your plan benefits to complete the process. Once you have submitted the required information, you will receive an email verifying if your waiver meets the WVSOM requirements.
Waivers will be accepted through the following dates for the 2022-2023 Policy Year:
* Continuing Students through June 15, 2022
* Incoming 2022-2023 Students through from July 15, 2022
Periodic Waiver Verifications
If your waiver is approved, it is still subject to periodic verification throughout the academic year to ensure the plan you submitted is still active and still meets the University’s health insurance coverage requirements. It is incumbent on the student to ensure their plan remains active and in compliance with the University’s health insurance requirements throughout the current academic year, including summer and holidays.
If your plan is found to be inactive or out of compliance, the University reserves the right to enroll a student in the student health insurance plan from the start of the period of non-compliance (even if your termination date was in the past) through the end of the current academic year. If your plan is found out of compliance, you will receive an e-mail notification from HSAC and you will have 14 calendar days to respond. If you have not responded within 14 calendar days, the University will proceed with enrollment in the student health insurance plan, assess your student account the applicable premium charges, and notify your program of your non-compliance with the University’s health insurance requirements.
Involuntary Loss of Coverage/Age-Outs
If you originally waived out of the student health insurance plan but find that you need health insurance coverage later in the year due to an involuntary loss of coverage or if you have aged out of your parent's insurance plan, you can also enroll via the WVSOM website. Students enrolling after the initial enrollment period due to an involuntary loss of coverage will be assessed a prorated portion of the insurance premium based on their dates of enrollment. Students have 14 calendar days after an involuntary loss of coverage to enroll in the student health insurance plan or submit updated proof of coverage.
Students must maintain continuous enrollment in health insurance. If you are submitting new proof of coverage, it must begin within 24 hours of your previous coverage termination. You are not eligible to waive if you have any coverage gap.
Insurance Fraud Warning: Any person who knowingly presents a false or fraudulent claim for payment of a loss of benefits or knowingly presents false information in an insurance application is guilty of a crime and may be subject to fines and confinement in prison.
By submitting your waiver request, you acknowledge that you have read the Waiver Requirements and WVSOM Insurance Policy and agree to abide by all terms of the Policy and understand that HSAC will verify your insurance coverage.