Insurance waiver criteria for academic year 13-14.
All full-time, dissertation, or exchange students here for a semester or more must carry adequate health insurance as a condition of student enrollment. Students who have their own insurance can waive enrollment in the Penn Student Insurance Plan (PSIP) only if their plan meets the following criteria:
Alternate insurance plans must be provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U. S. Phone number. Company must have a process to remit claim costs to providers within the US.
Alternate insurance plans must provide coverage for both in-patient and out-patient medical care in the Philadelphia area, including but not limited to routine care, specialist office visits, diagnostic testing, imaging and physical therapy.
Alternate insurance plans must provide for both in-patient and out-patient mental health care in the Philadelphia area.
Alternate insurance plans may not limit coverage in the Philadelphia area to just Emergency or Urgent medical or mental health care.
Alternate insurance plans may not exclude coverage for the following:
o Pre-existing conditions (or the plan must have been in effect long enough that any waiting period has passed).
o Conditions related to depression, eating disorders, and drug or alcohol counseling/treatment.
o Sports injuries, alcohol-related injuries or conditions.
Alternate insurance plans must offer an annual maximum benefit of at least $2,000,000 in coverage for each service.
Please obtain a copy of your plan's benefits and review them to ensure your plan meets these criteria. Please note that all waiver requests must be approved by the University. The University audits waiver requests and may contact your insurance company to verify your plan meets these criteria. Alternate insurance plans found to not meet this criteria will not be approved for waiving PSIP
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How to enroll or request a waiver:
The online enrollment/waiver website is accessed through the Penn Portal. You will need to have a PennKey and password to access the PennPortal and the insurance selection system. The PennKey is your link to most of the electronic resources that you will need while here on campus. If you are a first year student, contact your school to find out how to obtain a PennKey and (or visit the PennKey web site.)
Once you have made and confirmed your selection, any additional changes to your coverage must be processed in person in the Penn Student Insurance Office. You cannot change the date of enrollment. Once you have completed your selection, you will receive a confirmation e-mail. PLEASE SAVE THIS E-MAIL, AS THIS WILL BE YOUR CONFIRMATION THAT YOU HAVE VISITED THE SITE.
Online enrollment for the 2012-2013 Penn Student Plan (PSIP) will begin on July 1, 2012.
Penn Student Insurance Plan (PSIP) Premium Rates for 2012-2013
Single student coverage:
* This is a 50 week plan due to the transistion to an earlier PSIP start date for academic year 14-15 (8/1/13).
** Please note: the Clinical Fee charge is no longer included is this charge and will appear as a separate charge on your student account.
Coverage for summer 2013
Graduate/professional students starting University programs in July 2013 or August 2013 may enroll in the 12-13 plan at a prorated premium. Please
contact the Student Health Insurance office at 215-746-3535, option 3 for more information. Applications will be available