Waiver
Waiver Deadlines
Fall: 06/17/2024 - 09/19/2024
Spring/Summer: 12/02/2024 - 02/15/2025
The Fall 24-25 waiver deadline ended 09/30/2024. The online waiver system can no longer accept new waiver requests.
Waiver Eligibility
All domestic undergraduate students enrolled in 6 or more credit hours, all full-time domestic graduate students, enrolled for at least 48 units for the semester or 36 units for a 12-week term and all international students are required to purchase the Student Health Insurance Plan (SHIP) unless proof of comparable coverage is furnished.
Waive Coverage (Opt Out of Coverage)
All domestic undergraduate students enrolled in 6 or more credit hours, all full-time domestic graduate students, enrolled for at least 48 units for the semester or 36 units for a 12-week term, and all international students are required to enroll or waive every Fall semester, or if a new incoming Spring student, enroll or waive in the Spring. Enrolling/waiving coverage in the previous school year does not exempt you from enrolling/waiving coverage in the next. For those students who do not submit an approved waiver form before the deadline, you will be automatically charged and officially enrolled in the SHIP. Once enrolled, there are no refunds or cancellations. (Please note, automatic enrollment will occur AFTER the waiver deadline.) You will need your UMD student ID and an electronic copy of your insurance ID card to submit your waiver request.
Minimum Requirements for Alternative Insurance:
- Emergency Services: care received for conditions that could lead to serious disability or death if not immediately treated, not penalized for going out-of-network or not having prior authorization.
- Hospitalization: treatment in a hospital for inpatient care including laboratory services and medication during the hospital stay.
- Laboratory services: testing provided to help a doctor diagnose an injury, illness, or condition, or to monitor the effectiveness of a particular treatment.
- Maternity, newborn care and breastfeeding coverage: Care that women receive during pregnancy, through delivery, post-delivery and care for newborns.
- Mental health services and addiction treatment: inpatient and outpatient care provided to evaluate, diagnose, and treat a mental health condition or substance abuse disorder. Limits must comply with state or federal parity laws.
- Outpatient Care: care received without being admitted to a hospital such as a doctor’s office or clinic.
- Pediatric services: well-child visits, vaccines, immunizations, dental and vision care
- Prescription drugs, including birth control coverage: medications that are prescribed by a doctor to treat an illness or condition, some prescription drugs can be excluded.
- Preventive services, wellness services and chronic disease management: including physicals, immunizations and screenings designed to prevent or detect certain medical conditions.
- Rehabilitative services and devices: Services to help recover or develop skills and device to help gain or recover mental and physical skills due to injury, disability, or chronic condition.
- Plan allows the insured to visit U.S. doctors, hospitals, laboratories and other health care providers in the Baltimore/Washington, DC metropolitan area or local area where the insured will be residing and studying for the academic year and is not limited to emergency-only care.
- Plan is not an out of state Medicaid plan.