Students who do not wish to retain the SHIP must file an online waiver each academic year to have the charge removed from their tuition bill. This is referred to as a “hard waiver.”
The waiver website opens in mid-May and remains open until September 30th. A waiver is required each academic year without exception. The waiver must be submitted online. Providing insurance information at the University Health Center does not substitute for the waiver requirement. Once the waiver is received and approved, the insurance charge is reversed on the student bill. If no waiver is received, the charge will remain on the bill and the student will be enrolled in the UMD-offered plan. The premium is billed annually and provides coverage between August and the following July. (Students may also proactively enroll in the plan through the website.)
State law mandates that retroactive terminations are not available. The University must pay the applicable subscription charges for a member covered under the plan until the insurer receives the notice that the member is no longer eligible for coverage. This means that all waivers must be completed on time. If you do not waive coverage by the deadlines, you will be held responsible for all charges made by the carrier. There are no exceptions.
For a waiver to be approved, student coverage must be active no later than the first day of classes and the level of benefits provided to the student through a health insurance plan must be fully compliant with the Affordable Care Act (ACA). Coverage is considered comparable if it provides students with access to local providers and a range of services in the state of Maryland. Services include but are not limited to, preventive and non-urgent care, emergency care, surgical care, inpatient and outpatient hospitalization, lab work, diagnostic X-rays, physical therapy and chiropractic care, prescription drugs, and mental health and substance abuse treatment.
Students who waive the UMD Student Health Insurance Plan are solely responsible for all medical expenses and bills incurred.