Student Health Insurance Requirement

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WHAT IS THE REQUIREMENT?

Colorado State University requires all full-time domestic students and all international students to carry health insurance as a way of protecting the student’s educational investment. Students must meet this requirement their first semester at CSU and every fall semester thereafter. All CSU students have access to the wide range of medical, mental health, and health education and prevention services within the CSU Health Network, regardless of their insurance plan.

WHY IS THIS A REQUIREMENT?

Most major universities require students to carry health insurance as a way of protecting the student’s educational investment. Even a relatively minor health event, such as a knee injury, could put students in a situation where medical debt precludes their ability to continue in school.

HOW TO MEET THE REQUIREMENT?

1. If you are considering an individual/family/employer/government plan to meet the health insurance requirement, we encourage you to do the following:
   • Ensure your plan meets CSU, state, and federal guidelines for health insurance coverage:
     • Essential health benefits ( click here to view these requirements on healthcare.gov) with no annual or lifetime coverage limits on essential health benefits
     • Coverage in Colorado. If you are an out-of-state student, please confirm coverage in Colorado with your insurance carrier
     • Active coverage as of the first day of classes that remains active for the academic year
     • Insurance company is owned and operated in the United States
     • Must have unlimited benefits
     • No pre-existing condition limitation
     • No short-term/limited benefit or limited duration plans
     • No sickness and accident-only plans
     • No out of state Medicaid
     • No Colorado Family Planning only Medicaid
   • Contact your insurance carrier in advance to see how your plan will cover visits to CSU Health Network. Use the following information:
     • CSU Health Network Tax ID#: 846000545
     • CSU Health Network NPI#: 1528156437
2. Go to the secure online health insurance waiver and enrollment portal , or wait for a waiver/enrollment email to your CSU email account. You can access the secure online portal during Ram Orientation or 10 days after you register for classes.
   • Please note : the CSU Student Health Insurance Waiver/Election Portal is managed by Academic Health Plans (AHP). You will receive emails directly from AHP prompting you to meet the health insurance requirement. All correspondence from AHP will come from an ahpcare.com web address or email account and is a safe and protected site where the insurance waiver portal is hosted.
3. Login with your CSU student ID number, name, and date of birth.
4. Choose one of the following and submit the form:
   • WAIVE the CSU Student Health Insurance Plan (SHIP) by providing proof of a comparable health insurance plan. Enter the requested information from your health insurance card and the plan subscriber’s date of birth. Your waiver application will be audited with your insurance carrier to ensure the coverage is active and meets CSU, state, and federal requirements (see above). Your waiver application is not complete until you receive an approval notification via email.
     OR
   • ENROLL in the CSU Student Health Insurance Plan (SHIP) by indicating your interest in the secure online form. Early enrollment ensures your coverage is in place and you are in possession of your insurance identification information as soon as possible so that you may seek medical care or fill prescriptions without delay.

IMPORTANT: If you do not take action to WAIVE or ENROLL by the deadline, your student account will be charged for the cost of enrollment in the CSU Student Health Insurance Plan (SHIP). There will be no refunds or reversals of charges after the deadline.

International Students

International students are automatically enrolled in the Student Health Insurance Plan (SHIP). If you have other health insurance coverage, including an employer plan or an individual health plan, please submit a waiver request.

RAMCARE SUPPLEMENT PROGRAM

Designed for students who have health insurance coverage other than the Student Health Insurance Plan (SHIP), RamCare is an inexpensive way to pay for out-of-pocket costs for services at the CSU Health Network, such as co-pays, co-insurance, or deductibles. Click here for more information on or to enroll in RamCare.

QUESTIONS?

Contact the CSU Health Insurance office at 970-491-2457 Opt 1 or csuhn_insurance@colostate.edu.

Note: Due to the nature of the insurance open enrollment cycle, this office experiences periods of high phone volume. Please consider emailing us at csuhn_insurance@colostate.edu and we will respond as soon as possible.

Quick Links:

• Glossary of Insurance Terms – an educational reference to assist you in understanding the most commonly used terms related to insurance coverage.
• Domestic Student Waiver
• International Student Waiver
• Student Health Insurance Plan (SHIP) for Domestic Students
• Student Health Insurance Plan (SHIP) for International Students
• RamCare Supplemental Program
• Waiver Process Frequently Asked Questions(FAQs) – View this pdf for additional details about the waiver process.