• Kevin L.

CSUN waiver guide: How to save $1,110 on Health Insurance?

Attending a US college can be financially stressful. The average fee to attend a private non-profit four-year university is $48,510 per year. For all international students, the costs are even higher.

But do you know that you can save up to $1,131 a year with insurance waiver? CUSN waiver closes on 9/16/2019.

What is an insurance waiver?

CSUN requires all international students to have adequate insurance coverage throughout the academic year. Without an insurance waiver, the school will automatically enroll students into a pre-approved insurance policy offered by JCB Insurance Solutions. The plan costs you 1,660/year.

However, international students can enroll in a surprisingly more affordable plan designed specifically for them. Alternatively, health coverage for international students can be as low as $529/year.

An insurance waiver is an application to switch your plan to one that better fits your needs. Simply enroll in an insurance plan that meets the school’s waiver requirements and submit an insurance waiver on the school’s website.

Why are alternative health insurance plans more affordable?

The insurance costs are calculated based on the risks of the demographics. Insurance plans authorized by universities are usually more expensive because the plans serve a broader range of the demographics, including international and domestic students.

How to pick a health insurance plan?

A good insurance plan protects you from minor illnesses to serious injuries and diseases. When you’re looking for a plan, consider these factors:

  • The Costs Some plans are much more cost-effective than others. But the cost is the only factor you need to take into consideration. A plan with limited coverage can lead to catastrophic financial loss.

  • Insurance benefits Read the insurance policies carefully. A good insurance plan should have a low deductible, a high coinsurance, low copays, and a low out-of-pocket maximum.

  • Provider network Provider network is a group of care providers partnering with the insurance company to provide you with pre-negotiated rates. A powerful network allows you to find trustworthy doctors and hospitals wherever you need.

Can you recommend a good health insurance plan?

Student Medicover, a partner of UnitedHealthcare, offers the most cost-effective and reliable health insurance plans for international students.

  • Reliable Coverage: Their coverage features low deductibles, high coinsurances, low copays, and low out-of-pocket maximums. Their plans offer substantial coverage for doctor visits, hospital stays, emergency care, prescription drugs, and many other treatments found in the policy brochures.

  • Find a trusted doctor anywhere in the country With Student Medicover, you can access accredited care providers in the nation’s leading network – UnitedHealthcare Options PPO. You will enjoy lower costs for in-network medical services with pre-negotiated prices.

  • Visit Klotz Student Health Center: Student Medicover offers in-network benefits for treatments received in any student health centers in the country, including CSUN‘s Klotz Student Health Center.

  • 24/7 Customer Service If you have any questions, you can always ask a customer service representative through email, phone, WhatsApp, Facebook, and online support center.

Here is a brief comparison between JCB Insurance Plan and Student Medicover’s plans:

The chart is only a brief overview. Please refer to the policy brochures to learn more about the plans.

How to waive health insurance?

Completing an insurance waiver is very simple. It takes you only 15 minutes. STEP 1: Enroll in an insurance plan Visit Student Medicover, scroll down to “Enrollment”.

STEP 2: Download your confirmation letter and insurance ID card

Click "login" at the top right corner and log in with the email and password you set when you enroll. Click "MY ENROLLMENTS" for your confirmation letter and "DOWNLOAD ID CARD" for your insurance ID card.

STEP 4: Download your policy brochure

Download the policy brochure of the plan you enrolled.

STEP 5: Submit your insurance information to CSUN

Send your insurance ID card, confirmation letter, and policy brochure to CSUN via insurance@csun.edu.

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