Administrative Policies & Requirements

Student Health Insurance Requirements

The University requires all registered students to carry adequate health insurance to cover, among other costs, hospitalization and outpatient diagnostic, testing and surgical procedures. Additionally, the insurance must cover medical care provided in the Chicago area for both emergency and routine, non-emergency medical situations (or, if the student will not be in Chicago, it must provide this coverage wherever the student will be residing and studying during the academic year). In keeping with this requirement, each year all insurance eligible students are enrolled in the University Student Health Insurance Plan (U-SHIP). Students wishing to waive out of U-SHIP coverage must affirm possession of alternate comparable coverage before the enrollment/waiver deadline. Students who do not waive the student insurance plan by the deadline will remain enrolled in U-SHIP through the end of the plan year and will be responsible for the annual premium. Detailed information about the U-SHIP plan can be found at https://wellness.uchicago.edu/page/u-ship-overview-2016-2017

Enrollment/Waiver Deadline

The deadline to add dependents or waive U-SHIP is 5 p.m. Central time on Friday of the first week of the student's first quarter of registration during the academic year (typically autumn quarter).

Students approved to register as a student after the insurance deadline must submit a manual insurance enrollment/waiver application at registration time if they wish to waive U-SHIP coverage. Failure to do so will result in the student remaining enrolled in U-SHIP coverage for the remainder of the plan year. For more information about enrollment and waiver requirements visit https://wellness.uchicago.edu/page/u-ship-waiver-information.

Automatic Enrollment

Each year, all eligible students are automatically enrolled in U-SHIP. Students who do not waive U-SHIP by the enrollment/waiver deadline will remain enrolled in U-SHIP by default and will be billed for that enrollment. This enrollment is binding for the entire plan year. For students who are registered at the University during autumn quarter, the plan year runs from September 1 through August 31 of the following year.

Eligibility

The University Student Health Insurance Plan (U-SHIP) generally is available to all registered students, their spouse or domestic partner, and dependent child(ren). Students in a few designated programs may be ineligible for coverage under U-SHIP. For additional information on specific University programs of study that are ineligible for insurance coverage under U- SHIP, students should contact their area Dean of Students’ office or the Registrar.

Students on Leave of Absence

Students who take an approved leave of absence (LOA) are ineligible to remain covered under U-SHIP (with the exception of students taking a Parental Relief Leave of Absence, which need not affect U-SHIP coverage). If a student’s registration status is changed to LOA at any point after 5 p.m. Central time on Friday of the first week of the quarter (after the quarterly U-SHIP enrollment/waiver deadline) and the student was covered by U-SHIP up to the date of the leave, then even though the LOA is backdated effective to the start of the quarter U-SHIP coverage will remain in place through the end of the quarter, with any assessment for premium remaining in effect. U-SHIP coverage remains active through the end of the quarter in which the LOA was processed and, therefore, payments for the respective quarterly premium are non-refundable, and neither are assessments or payments pro-ratable.

Students who are enrolled in U-SHIP and who take an approved LOA that is processed after the quarterly U-SHIP deadline, will have their coverage terminated on the first day of the quarter immediately subsequent to the quarter in which their LOA took effect. Upon termination of U-SHIP coverage, students are eligible to enroll in "continuation coverage" for up to three (3) months (form available here: https://wellness.uchicago.edu/page/insurance-forms-resources). Application is required directly through the insurance provider and may be facilitated by the on-campus Insurance Coordinators, located in the Woodlawn Social Services Center, Room 368/370. Application and payment must be made within 31 days from the end of prior U-SHIP coverage.

Students on Medical Leave of Absence

Students participating in U-SHIP who take an approved leave of absence for medical reasons (MLOA) may continue coverage in U-SHIP at the registered student rate until the end of the plan year (August 31st). Because students are eligible for four (4) quarters of U-SHIP coverage while on a MLOA, if the MLOA crosses academic years insurance coverage may be provided that crosses two separate plan years, at different premium rates (i.e., MLOA extending from Spring quarter through following Winter quarter). If the student’s MLOA extends beyond four quarters, they may purchase ongoing coverage for up to three (3) months under "continuation coverage" (form available here: https://wellness.uchicago.edu/page/insurance-forms-resources). Application for continuation coverage is required directly through the insurance provider and may be facilitated by the on-campus Insurance Coordinators, located in the Woodlawn Social Services Center, Room 368/370. Application and payment must be made within 31 days from the end of prior U-SHIP coverage.

Binding Coverage

The decision to enroll (including automatic enrollment by default) or waive U-SHIP coverage is binding for the remaining plan year. For students who are registered at the University during autumn quarter, the plan year runs from September 1 through August 31 of the following year. In certain special cases it may be necessary to change health insurance coverage during the middle of the plan year. Petitions for"Mid-year Changes" (overview available here: https://wellness.uchicago.edu/page/mid-year-changes-2016-2017) will be granted only for the following reasons:

• Life-change event (such as marriage, birth/adoption of a child, divorce, registration as a same sex domestic partner);  

• Loss/change of health insurance coverage (for such reasons as becoming too old for dependent coverage under a parental plan, or a parent/spouse/same-sex domestic partner starting or terminating a job);

• Recent immigration of a dependent spouse, same-sex domestic partner, or children.

Petitions to Add or Waive coverage must be made within 31 days of the qualifying life event noted above.

Approved mid-year petitions to add coverage become effective on the day the previous insurance terminates, or the day after the post-mark date of the petition, whichever is later. Students will be responsible for the full premium for the quarter in which the changed coverage takes effect. The premium is not pro-rated. Mid-year petitions to add a spouse, same-sex domestic partner or child may result in payment for their coverage during summer quarter (see section on "Premiums" below).

Premiums

Premiums are assessed in three installments during the academic year. These charges typically are added to autumn, winter, and spring tuition bills. Students (and their dependents) who are eligible to begin enrollment in the winter or spring quarters will be charged a third installment to cover the full cost of their insurance premium; students who are registeredonly in autumn and spring, or winter and spring quarters, or solely spring quarter, will also be charged another installment for the insurance premium.