Thomas Jefferson University

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FAQs

Health Insurance Requirement

Yes. As an academic health center Jefferson requires all matriculated students to have health insurance, and to complete the enrollment/waiver process for each academic year.*  If you have health insurance through another provider, it must meet the stated minimum requirements to qualify fo ra waiver.  If you do not have coverage through another provider that meets the minimum requirements, then you must enroll in the school-sponsored student health insurance plan.  Once enrolled, the plan will be in effect for the entire academic year.  You may only terminate the insurance coverage if you have a qualifying life change event. 

*Dates may vary by academic program.

Yes. It is an annual requirement which must be completed for each academic year.

Yes.  Your status as a student is separate from your employment.   Jefferson requires all matriculated students to have health insurance, and to complete the enrollment/waiver process for each academic year.  If you have health insurance of your own that meets the minimum requirements, you just need to fill out a waiver request.  For instructions on how to do so, please visit www.jefferson.edu/studenthealthinsurance

In order to qualify for a waiver,

1. A student’s insurance plan must be one of the following:

  • An employer-based plan through a parent, spouse or own employment
  • An individual plan purchased through a government exchange or directly through a carrier at the Gold (80%) or Platinum (90%) plan level.
  • A plan provided via Medicaid or Veterans Affairs.

2. If the plan originates outside of the Philadelphia area; the student must have the ability to access providers in the area of their current residence, without disruption to their academic responsibilities, while attending Thomas Jefferson University.

Please note the following procedures for enrolling or waiving health insurance coverage for the 2014-15 academic year. All enrollments and waivers must be completed using the online process outlined below.

  1. Go to http://www.firststudent.com/
  2. Select your school, "Thomas Jefferson University" from the drop down menu, then click "Continue".
  3. Read through the information on the welcome page.
  4. Click on either the "Enroll Now" or "Waive Your School's Insurance" link from the orange menu on the left.
  5. From the enrollment or waiver page, click the corresponding link to begin the process.
  6. Log in by entering your Date of Birth and your Student ID# (Campus Key). Do NOT enter your Social Security Number.
  7. Complete the online waiver or enrollment form and then print out the confirmation and keep it for your records. 

Please contact the student health insurance representative for your academic program if you experience any of the following:

  • Your Campus Key or Date of Birth was not accepted
  • You gave incorrect information about your current health care coverage
  • You encountered other difficulties while attempting to complete the process.

Depending on when your program starts, you may need to complete the health insurance requirement twice within a twelve month period.  Please see below for details.

ALL SUMMER or PRE-FALL Start Students (including JSN: FACT Program, JSHP: Physician Assistant Studies Program and Physical Therapy Program, and JGSBS Post-Baccalaureate Program)
Students that are enrolled in a program that begins in the pre-fall term or summer term will need to complete the insurance requirement for two academic years. When students begin their program in the pre-fall or summer term, they will need to complete an insurance waiver or enrollment for the remainder of the 2014-15 academic year. This waiver or enrollment will be in effect for the months of May, June, July, and August. In July, students will then need to complete the health insurance waiver or enrollment process for the new academic year (2015-16).

Spring Start Students

Students that will be starting their academic program in the spring term (January) will need to complete the insurance requirement for the remainder of the 2014-15 academic year. This waiver or enrollment will be in effect for the months of January through August 2015. Students will then need to complete the health insurance requirement in July for the new academic year (2015-16).

Waivers and Insurance Plans Through Other Providers

No.  Our office does not maintain a listing of comparable insurance plans.  You may opt to waive with any insurance plan that meets the minimum requirements.  It is the student’s responsibility to ensure that any plan he/she is considering meets the minimum requirements.  If purchasing an individual plan through the government exchange or directly through a carrier, your plan must be at the Gold (80%) or Platinum (90%) plan level. You may wish to discuss your options with an insurance agent. 

No.  Unfortunately, we are not able to recommend insurance plans to you, nor do we maintain a listing of comparable insurance plans.  It is the student’s responsibility to explore and compare health insurance plans and to ensure that any plan they are considering meets the minimum requirements.  You may wish to provide your insurance agent with a copy of the minimum requirements by visiting www.jefferson.edu/studenthealthinsurance.

Health insurance companies offer standardized plans which fall into four metal tiers: Bronze, Silver, Gold, and Platinum.  In general, Gold plans will provide minimum coverage of 80% of costs, while Platinum plans will provide minimum coverage of 90% of costs.  For additional information and questions on plans, benefits, and coverage levels, you are encouraged to speak with a representative from the insurance companies you are considering.

HealthCare.gov is a government website that allows you to do comparison shopping for
health insurance.  The website is designed to offer information and transparency about the health insurance market so that consumers can be sure they're getting the best value. 

If you are looking for health insurance plans healthcare.gov can help you find specific options quickly and easily.  You can preview Marketplace health plans and prices available in your area by using a simple tool on the website which will let you view plans and price estimates.  Based upon certain factors, you may also be eligible for a subsidy (discount), which can be determined by visiting that site.

The Health Insurance Marketplace open enrollment for 2015 will take place on healthcare.gov from November 15, 2015 – February 15, 2015.

Yes, you must still complete the waiver process.  If your insurance will not be in effect for the entire academic year due to a life change event, you may qualify for a partial waiver during the period that your insurance will cover, and will then have to either obtain a new insurance plan that meets the minimum requirements or enroll in the student health insurance plan for the remainder of the academic year.

For your insurance coverage as a veteran, you will enter the following information into the corresponding fields.

Insurance Company Name: Veterans Affairs

Policy Number: your social security number

Group Number: none (note: you actually have to type the word “none” for this field)

Policy Holder Name: your full name

Insurance Company Address: 3900 Woodland Avenue, Philadelphia, PA 19104

Yes.  If your insurance will not be in effect for the entire academic year due to a life change event, you may qualify for a partial waiver during the period that your insurance is in effect if your plan meets the minimum requirements.  Please note that you cannot have a lapse in coverage.  Prior to your insurance plan expiring, you should obtain a new health insurance plan that meets the minimum requirements or enroll in the student insurance plan for the remainder of the academic year.  You will need to contact the student health insurance representative for your academic program to provide information on your new plan or to enroll in the student health insurance plan.

Enrollments and Cancellations

All matriculated students that are enrolled at Thomas Jefferson University are eligible to enroll in the student health insurance plan.  Eligible students who do enroll may also insure their dependents.  For additional information, please visit http://www.firststudent.com/

Newborn infants will be covered under the policy for the first 31 days after birth.  Coverage for such a child will be for injury or sickness, including medically diagnosed congenital defects, birth abnormalities, prematurity and nursery care; benefits will be the same as for the Insurance Person who is the child’s parent. 

The Insured will have the right to continue such coverage for the child beyond the first 31 days.  To continue the coverage the Insured must, within the 31 days after the child’s birth, contact your student health insurance representative for your academic program with the following information:

1.       The first, middle and last name of the child

2.       Gender

3.       Date of birth

4.       Social Security Number

If the adopted child is placed with an Insured while that person is covered under this policy, such child will be covered from the moment of placement for the first 31 days.  The Insured must notify the Company, in writing, of the adopted child not more than 30 days after placement or adoption.

In the case of a newborn adopted child, coverage begins at the moment of birth if a written agreement to adopt such child has been entered into by the Insured prior to the birth of the child, whether or not the agreement is enforceable.   However, coverage will not continue to be provided for an adopted child who is not ultimately placed in the Insured’s residence.

The Insured will have the right to continue such coverage for the child beyond the first 31 days.  To continue the coverage the Insured must, within the 31 days after the child’s birth, contact your student health insurance representative for your academic program with the following information:

1.       The first, middle and last name of the child

2.       Gender

3.       Date of birth

4.       Social Security Number

Yes. Dependent coverage is available for individuals enrolled in the student health insurance plan.  You may add dependents to your coverage at any time.   Please contact your student health insurance representative for your academic program to complete a dependent enrollment.

Prior to the coverage period beginning you are able to cancel your enrollment in the student health insurance plan.  If you intend to do so, you must contact the student health insurance representative for your academic program.  You must also purchase insurance that meets the minimum requirements and complete the waiver process.

After the coverage period has begun, you may only cancel your enrollment in the student health insurance plan if you have a qualifying life change event.

  • Change in marital status (marriage, divorce, widowed)
  • Change in employment status
  • Aging off parent's insurance (age 26)
  • Eligibility for a subsidy for a health insurance plan through www.healthcare.gov during their open enrollment period.
  • Eligibility for Medicaid or Veterans Affairs coverage.

Student Health Insurance Plan - Benefits and Coverage

Yes.  The plan does include prescription and vision benefits.  For details on the coverage, please visit http://www.firststudent.com/

No. Dental insurance is not included in the student health insurance plan, however, optional dental insurance is available for matriculated students.  Please visit http://www.deltadentalins.com/tju/ for more information.

Yes, but you should visit http://www.firststudent.com/ and view the plan brochure for specific details.  Prior to traveling outside the United States you should also contact the Office of International Affairs at oia@jefferson.edu.

No.  The student health insurance plan is a PPO designed to minimize the out of pockets costs for students and the need for referrals.

Student Health Insurance Plan - Cost and Billing

The 2014-15 student health insurance plan is through United HealthCare.  Please visit http://www.firststudent.com/ and view the brochure for specific information on the coverage.

Coverage Level

Annual Rate

Student

$4,283

Student + 1 Dependent (spouse or child)

$11,067

Student + 2 or more Dependents

$12,000

The student health insurance plan through United HealthCare is a very comprehensive plan with extensive benefits.  It is a PPO designed to minimize the out of pockets costs for students and the need for referrals.  Additionally, there is not a pre-existing conditions exclusion in the plan.

For annual enrollments, the cost of the insurance will be billed to your student tuition account in two installments – half will be assessed to your fall invoice and half to your spring invoice.  For life change enrollments and spring semester or pre-fall/summer semester enrollments, the cost of the insurance will be billed to your student tuition account in one lump sum.

International Students

U.S. federal regulations require you to show proof of funding to support your studies.  All I-20 forms are issued based on the student’s ability to pay for the cost of tuition and fees to attend Thomas Jefferson University.  The ability to pay must be demonstrated in financial support documentation which includes $4,300 a year for required student health insurance.  If you are issued an I-20 form from Thomas Jefferson University then you have confirmed your ability to purchase and enroll in health insurance.  You may elect to waive out of the student health insurance plan if your other insurance plan meets the minimum requirements.

If your home country has health insurance coverage options, the company must have a contract office in the United States.  If your government is providing full health insurance coverage that is comparable to the U.S. gold or platinum level plans, you will be eligible to complete a waiver.

Yes, international students with valid immigration status may use healthcare.gov to purchase health insurance.  However, subsidies are only available for those students who are resident aliens for tax purposes.  This is determined by the number of years you have been present in the United States in your status.  If you have questions about your tax status please contact the Office of International Affairs at oia@jefferson.edu.