Enrollments, Waivers, Changes & Cancellations
Insurance coverage periods are August 1 through July 31 each year.LATE WAIVER
To submit a late waiver, the following documents need to be submitted to the Student Health Insurance office at firstname.lastname@example.org :
1. A completed waiver form
2. A copy, front and back, of your insurance card
3. A completed cancellation form
4. A copy of your plan's Summary of Benefits and Coverage (sample)
Your benefits will be reviewed for compliance with CMU's waiver criteria. If met, Aetna will be contacted to verify that claims have not been paid out on your behalf and to cancel your CMU Student Health Insurance policy. If claims have not been paid on your behalf, you will recieve a prorated credit, beginning the 1st of the month following the receipt of your documents.
Example: All documents received by email@example.com by September 25, 2014. Plan coverages are reviewed and meet CMU's criteria for a waiver. Aetna verifies that claims have not been paid. Student had been charged $1,191 for the full year of the standard plan. Student receives a prorated refund of $963.33, effective October 1, 2014. ($96.33/month for 10 months, calculated as $1,191 less $35 non-refundable administration fee divided by 12 months.)Changes taking effect beginning with the 2014-2015 academic year:
Beginning Fall 2014, the revised Mandatory Student Health Insurance Policy allows students to qualify for a waiver with a plan purchased from a state or federal insurance marketplace as long as the plan meets certain minimum requirements.
The student health insurance plan offered by Carnegie Mellon University meets all of the Affordable Care Act (ACA) criteria for individual coverage at a very competitive rate. The Standard Plan offered by the university is comparable to a Gold Metal tier plan in the Marketplace and the Enhanced Plan meets the criteria for Platinum. Click here for an Essential Benefit Comparison.
Enrollment across insurance years
If you enrolled in the insurance mid-year, say June, and wish to also be enrolled beginning August 1 when the new insurance year begins, you will have to complete two forms: one for the prior year's coverage running June 1 - July 31, and one for the current year's coverage starting August 1. Remember: prior year enrollments don't roll-over to the next year.
Enrolling outside of the Open Enrollment Period-Qualifying Event
Life and Family Status Changes
Family or life status changes frequently require you to change your benefits to accommodate your new situation. yUou can make changes consistent with your status change within 30 days of the date the status change occurred.
- In most circumstances, you cannot change the TYPE of coverage (e.g. your plan) but you may modify the LEVEL of your coverage (e.g. add a child following a birth or adoption).
- Changes must be made within 30 days of the status change. If you miss the 30-day period, you will have to wait until the next Open Enrollment to change your benefits.
Accepted Family or Life Status Changes
Marital/Domestic Partnership Status Changes:
- marriage/registration of domestic partnership
- death of spouse/domestic partner
- divorce/termination of domestic partnership
- birth or adoption of a child
- child becomes incapable of self-support due to total disability
- death of dependent child
- dependent becomes ineligible for coverage
You/Spouse/Domestic Partner Gains Coverage from Another Source
You/Spouse/Domestic Partner Loses Coverage from Another Source
Modify or cancel your enrollment decisions
Review the enrollment opportunities and deadlines that apply to enrollment changes.
Vision and dental enrollment decisions cannot be cancelled. If you enrolled yourself in the fall open enrollment period, and wish to enroll a spouse, domestic partner or children in the Spring, you have to pay the entire additional premium. There is no proration, and a change in enrollment is treated as another enrollment entirely.
Medical enrollment decisons can be modified when qualifying events take place, and require that a medical enrollment change form be completed.
Medical enrollment decisions can be cancelled if 1) the cancellation is done before April 1, and 2) no claims are paid or pending against the policy. A medical enrollment cancellation form is required. Students who must meet the university's insurance requirements must also complete a waiver form.