Student Health Insurance Program 2014-2015
Concordia University, Irvine (CUI) has adopted a mandatory student health
insurance policy. All full-time undergraduate students and international
(graduate & undergraduate)
students are automatically enrolled in the Concordia University Irvine Student Health
Insurance Plan (the CUI SHIP). Our mandatory student health insurance
limits the undue financial and academic stress related to illnesses that
may be suffered by students during the academic year. It is our belief that
an adequate health policy will assist in meeting not only common illnesses
treated at the student Wellness Center or at a private physician's office,
but also with the financial burden of illness and accidents involving more
Students who already have health insurance (through their own or parents) may
be permitted by the University to waive out of the CUI SHIP but only if
their insurance plan meets the waiver criteria enumerated below. CUI
students who wish to waive out of the CUI SHIP must submit an electronic
Health Insurance Waiver annually, otherwise they will automatically be
enrolled in the CUI SHIP and the insurance premium will be billed to their
While all traditional undergraduate students on the main campus are
automatically enrolled in the CUI SHIP, graduate students (except for
international students) are not automatically enrolled; however, they are
encouraged to carry health insurance. Nursing students are required by
their program to carry health insurance as well. As an option, they are
eligible to enroll in the CUI SHIP.
We are pleased to offer a new Student Health Insurance Plan (SHIP) underwritten by United Health Care Student Resources and serviced by Gallagher Student Health & Special Risk. This year's plan comes with a host of exciting new benefits that meets the requirements of the Patient Protection and Affordable Care Act (ACA). Below are just a few coverage highlights:
- Unlimited maximum benefit
- Immediate coverage of all pre-existing conditions
- Removal of internal benefit limits on all essential benefits
- $250/$500 in network and out-of-network deductibles
Fall Students 2014
The Concordia University Irvine SHIP costs $1,740 for annual coverage from August 1, 2014 to July 31, 2015. This amount will be billed to your student account unless you submit a waiver by August 31, 2014.
Spring Students 2015
This plan is only for new students starting in the Spring semester. The Concordia University Irvine SHIP costs around $1,015 for spring/summer coverage from January 1, 2015 to July 31, 2015. Exact rate will be posted as soon as it becomes available. This amount will automatically be billed to the student's account. For new freshmen and transfers in the 2015 Spring Semester, you will have to waive out or enroll once again in the 2015 Fall Semester.
International students are automatically billed the health insurance premium. However, you may appeal this only if you meet either of these conditions:
- Your U.S.-based plan is provided by your sponsor (Saudi students) or
- Your U.S.-based plan is provided by your parent’s/spouse’s U.S. employer
Submitting a Health Insurance Waiver
The following criteria must be met by the Student’s insurance plan in order to waive out of the CUI SHIP. If the Student’s plan does not meet the criteria, the student will be automatically enrolled in the CUI SHIP.
- The student’s plan must be owned, headquartered and operated in the U.S.
- The plan must provide primary care services within 50 miles of Concordia University, Irvine.
- The plan must pay for hospitalization in the U.S.
- The plan must cover inpatient and outpatient mental health in the U.S.
- The plan needs to have unlimited annual benefit
- The coverage must remain in effect throughout the 2014-2015 academic year.
For all full time undergraduate students with private insurance, an
online Health Insurance Waiver needs to be completed anytime between July 7 and August 31, 2014 to waive out of the CUI Student Health Insurance Plan.
The Health Insurance Waiver will not be accepted after the August 31, 2014
deadline. Students who do not submit a Health Insurance Waiver will
automatically be enrolled in the Concordia University Irvine Student Health
To opt-in to the Student Health Insurance Plan, receive your insurance card in a timely manner, and prevent a hold to be posted on your account, an online Opt-in Form must be submitted.
Health insurance is not needed for care received from the Health Center.
We recommend that all students understand their insurance availability within Orange County. There are many types of insurance policies and it is the student's responsibility to understand their coverage. The student handles all health insurance matters directly with their insurance company for off-campus medical care.
Each student is legally responsible for payment of all fees for medical and mental health expenses incurred for the academic year at Concordia University, Irvine.
Concordia University, Irvine assumes no liability for student illness or injury and no responsibility for medical services contracted for by individual students.
Please contact the Wellness Center at extension 3102 to obtain information on student health insurance available through Concordia University, Irvine. You may also reach us at email@example.com.