College is a rare opportunity in a person’s life. There will likely be no other time in their life that students can dedicate two to four solid years to education and learning. Health insurance that provides coverage near campus gives parents peace of mind. It also gives students a choice to continue attending classes should something unexpected arise. Also, individual physical and mental health creates a healthy community. Student Health Services provides primary care services for all students and their spouses. Coordination of care with specialists and hospitals from the surrounding Wheaton area only works well when suitable health insurance coverage is in place.
For these reasons, Wheaton College practices a “hard waiver” insurance program. This simply means that every student who is required to show proof of health insurance will be automatically billed for the premium for the Student Health Insurance Plan prior to each semester. During the designated open enrollment period students who have comparable coverage are eligible to submit an online waiver and receive a credit for the premium. The questions on the waiver are specifically designed to “demonstrate” that the necessary benefits are included in the plan. The waiver is required annually prior to the start of each academic year. A waiver submitted for the fall semester will be valid through the spring semester. The annual insurance period is from August to July.
Gallagher Student Health & Special Risk is the provider of the Student Health Insurance Plan and the manager of the online waiver site. Information about the plan and the waiver can be found on their web site www.gallagherstudent.com/wheatonil .
Wheaton College Requirements for being covered by Other Health Insurance Plans
Comparable Coverage Guidelines
Students insured by another health insurance plan can waive the Student Health Insurance Plan for the spring semester by the deadline of January 29, 2015 provided that the other plan meets the requirements below. Subtracting the premium from your total bill cannot be a substitute for completing the waiver. A credit for the premium will be applied to the student’s account once the waiver is approved. Once the open enrollment period is over and the deadline to submit a waiver has passed, students are confirmed as enrolled in the plan with no option to cancel or receive a credit until the next open enrollment period. First year International students (and their dependents) with visas are not eligible to waive.
Comparable insurance plans are required to include:
- Adequate coverage within a 4 hour driving radius of the College or the Wheaton College external location of study for emergency, urgent, and non-emergency (retail clinics) illness and injury including follow-up care to emergency room treatment.
- Adequate primary medical care coverage within a 4 hour driving radius of the College or the related external site, which provides access to a physician, physical therapy, laboratory, diagnostic imaging, prescription medication and wellness services.
- For all HMO plans, a Primary Care Provider (PCP) within 4 hours of Wheaton must be pre-authorized before arrival on campus or related location of study. Any restrictive HMO that does not provide coverage for a PCP within 4 hours of location of student is not considered adequate comparable coverage. Intercollegiate athletes must ensure that they have primary care coverage within the Wheaton community; otherwise the secondary athletic insurance plan will not be valid for use. Out of state Medicaid is not comparable coverage.
- Coverage for both in and outpatient mental behavioral health and substance use services that covers at least 60% of costs with a maximum per condition limit of no less than $50,000.
- A licensed health insurance product. Reimbursement/cost sharing plans will not be accepted as comparable coverage.
- Health insurance coverage for the whole academic year.
- The plan must have a benefit maximum of at least $500,000
- The plan must have a family deductible of equal to or less than $12,500 and a single deductible of at least $6,250.
- The plan must have a United States customer service telephone number for benefit verification. International customer service telephone numbers will not be accepted.
Is strongly suggested that comparable coverage includes:
- Coverage anywhere in the world, including medical evacuation or repatriation benefits.
- A nationwide network of providers for primary and specialty care.
Please note, if your plan is not considered comparable for the purposes of waiving the Student Health Insurance Plan, it is possible for a student to be enrolled in two plans simultaneously. In that circumstance the insurance companies would coordinate the covered benefits depending upon the situation.
THESE REQUIREMENTS MAY CHANGE AT ANYTIME WITHOUT PRIOR NOTICE.
Wheaton College Requirements for Who Must Have Comparable Health Insurance
The following students are required to have health insurance benefits comparable to the Student Health Insurance Plan:
- Degree-seeking students regardless of the number of credit hours for which they are registered.
- Students with off campus study (Consortium, HNGR, Internship).
- Psy-D students registered for classes on campus. Off-campus students are not required to meet the health insurance requirements but have the option of enrolling in the plan.
- Honey Rock students registered for credit hours.
- Special (non-degree seeking) students registered for 9 or more credit hours.
- Non first-year visa holding International Students and their dependents (First year students and their dependents must enroll.)
- Eastern Tutorial summer students.
- JUC- New students beginning the Biblical archeology program in the summer in Jerusalem.
- Modular students taking traditional semester classes
Health Insurance Requirements for Modular/Intensive Classes:
The following must comply with the insurance requirements.
Domestic students with current insurance coverage: Please send a copy of your health insurance, back and front no later than January 1, 2015, to Health.Insurance@wheaton.edu . You may also fax it to 630-752-5575.
Domestic students with no health insurance coverage: You must purchase a short term policy for coverage during your time of study at Wheaton College. A short term policy is available through the College or can be obtained on your own.
All students regardless of status will be notified of the requirement via their my.wheaton e-mail account. No personal e-mail addresses will be used after students have been accepted.
Wheaton College Requirements for International Students (Undergraduate and Graduate)
First year international students (including Canadian students) who are visa holders are required to enroll in Student Health Insurance Plan provided by Gallagher Student Health for the first full year of their study. Also any dependents who are residing with the student in the United States are required to enroll in the Student Health Insurance Plan. Foreign plans and travel policies are not accepted as they are not considered comparable coverage and do not meet the Wheaton College health insurance requirements.
First year international undergraduate and graduate students are automatically enrolled in the Student Health Insurance Plan provided by Gallagher Student Health. The first six months premium will be charged to their student account prior to their arrival. Students whose spouse and/or children will be residing with them in the United States are required to send an email to provide information for enrolling their dependents to Health.Insurance@wheaton.edu .
International students who are in their second or more years of study at Wheaton College may enroll in another United States based plan that is comparable in coverage to the Student Health Insurance Plan. This may include the Illinois and Wisconsin State Marketplace plans, but excludes short term travelers plans, catastrophe plans, non U.S. based plans, and any non-PPACA (Patient Protection and Affordable Care Act) plan. Students must ensure that their dependents are also enrolled in a plan that is PPACA compliant. The student will be required to show proof of coverage for their dependents by emailing an official insurance card or certificate letter to Health.Insurance@wheaton.edu. The insurance plan must be capable of providing a carrier status and rating with a PPACA certificate to be valid.
International visa holder students in their second or more year of study may waive the Student Health Insurance Plan provided they are currently enrolled in a PPACA compliant plan that meets all of Wheaton College’s health insurance requirements listed above. Eligible non-first year students and their dependents must show a valid certificate of insurance by the deadline of January 29, 2015.
International visa holder students who are 0 credit hours due to master theses/doctoral dissertation continuation residing in the United States, and who are completing this work on or off campus are required to show health insurance and will be billed automatically. They may waive with a PPACA compliant plan contingent it meets all of the Wheaton College health insurance requirements.
Students for whom Student Health Insurance is optional:
The Student Health Insurance Plan is available, but not required for the following students. Please submit an online enrollment during the open enrollment period on the Gallagher Student Health web site at www.gallagherstudent.com/wheatonil .
- Master's Thesis Continuation and Doctoral Dissertation showing 0 credit hours (billed active students and non visa holders)
- PsyD Interns taking Internship (non visa holders)