5-6 STUDENT INSURANCE REQUIREMENT

Responsible Executive:

Jim Clark, Provost and Executive Vice President for Academic Affairs

Amy Hecht, Vice President for Student Affairs

Approving Official:

services is important to student retention, Florida State University has required

insurance coverage for all students at the FSU main campus as a condition of full-time

Up to the 2022-2023 academic year, the university has utilized a waiver system that

relies upon a student knowing and accurately relaying the details of their insurance

coverage. An audit revealed thousands of students with unable to verify insurance

information, indicating these students had no insurance coverage. To ensure that all

students have access to affordable routine and emergency care, this policy establishes

a process to enroll in the school sponsored insurance plan all full time domestic

students at FSU and all International FSU students who are in active degree programs

as defined in this policy with limited waiver and exemption options.

semester;

• The student is enrolled in an alternate ACA-compliant insurance plan.

The University will determine ACA compliance to be those plans that

include sufficient access to local network providers.

• If the student holds active F-1, J-1, F-2, or J-2 immigration status, their

alternate ACA-compliant insurance additionally meets the following

requirements:

o Coverage Period: Policies must provide, at a minimum,

continuous coverage for the entire period the insured is enrolled

as an eligible student, including annual breaks during that period.

reasonable charge for out-of-network providers per accident or

illness;

o Inpatient Mental Health Care: Must be paid at 80% in-network or

60% out-of-network of the usual and customary fees with a

minimum 30-day cap per benefit period;

o Outpatient Mental Health Care: Must be paid at 80% in-network

or 60% out-of-network of the usual and customary fees for a

minimum of 30 (preferably 40) sessions per year;

o Maternity Benefits: Must be treated as any other temporary

medical condition and paid at no less than 80% of usual and

transported to his/her home country and to be accompanied by a

provider or escort, if directed by the physician in charge);

o Deductible: Maximum of $50 per occurrence if treatment or

services are rendered at the University Health Services; maximum

of $100 per occurrence if treatment or services are rendered at an

off-campus ambulatory care or hospital emergency department

facility;

o Minimum coverage: $100,000 for covered injuries/illnesses per

accident or illness per policy year;

o Insurance Carrier must, at a minimum, meet the rating

institution;

o Policy provisions must be available from the insurer in English.

Students in F-1, J-1, F-2, or J-2 status who are enrolled in non-degree or transient

academic programs may request a waiver based upon a short-term, limited duration

insurance plan that meets BOG 6.009 but is not ACA-compliant.

Students in J-1 status who are enrolled in an insurance plan provided by the U.S. State

Department may request a waiver provided the plan meets BOG 6.009.

Students who are covered in the state of Florida by Medicaid, Medicare, or CHIP may

submit a waiver request based upon this coverage.

When a student requests a waiver, they will be required to provide their insurance plan

plan and the requirement to submit a waiver:

• Students enrolled in a completely online/distance-learning degree program;

• Students enrolled in the Republic of Panama campus;

• Domestic students enrolled in the Panama City and Sarasota Campuses

• Students who are enrolled in the FSU study centers who are not U.S. citizens, U.S.

• Students who are enrolled part-time at any FSU campus (less than 12 credit hours