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Health Insurance Requirements and Waiver

All students holding an F‐1 Visa will be automatically enrolled and charged for the Houston Community College endorsed International Student and Accident & Sickness Insurance Program EACH SEMESTER to satisfy the College policy regarding maintaining acceptable health insurance coverage. You may download a copy of the Accident & Sickness Insurance booklet and access other helpful information from 
www.macori.com/hcc.

FAQ: Health Insurance Frequently Asked Questions and Answers

 

Health Insurance Waiver 

Individual Health Insurance policies are not accepted as an alternate health insurance policy.  You will be able to request a Waiver of Student Health Insurance ONLINE (click on the link waive to access the online form) if you already have other health insurance that meets HCC’s waiver criteria.  You must submit your Waiver request by the established deadlines each semester.

*Disclaimer: Acceptance of your waiver does not constitute a guarantee that your alternate Health Insurance Plan will adequately cover any medical situation that may arise or is a “good” plan. An acceptance only recognizes that an Insurance Waiver Application stating that you have alternate coverage which meets the Houston Community College’s waiver criteria was received from you. Further, you agreed to be responsible for advising the Houston Community College Risk Management Department or Macori (macori@macori.com) in writing of any lapses or cancellation of your current policy during the semester

 

Summer 2012:

1. First Waiver Period:
   1. Online waivers are open now;
   2. Online waivers close on 6/6/12 (this is changed from 5/16/12)
2. Second Waiver Period for Summer II 5-week Session Only:
   1. Online waivers open 7/2/12;
   2. Online waivers close 7/12/12

 

Note**If you were enrolled in spring 2012, you are not eligible for the summer 2012 waiver, and are already covered through the end of the summer. However, those students may apply for the fall 2012 waiver later this year (date to be determined).

Proof of acceptable alternate insurance is as follows:

I. Acceptable Alternate Health Insurance Plans:
    A. A government or scholarship sponsored plan that meets Houston 
         Community College’s waiver criteria;
    B. A job‐based employer health insurance plan (or covered as a dependent
         under a job‐based employer health insurance plan).
    Note: individual policies (Example: Plans offered online to individuals) are 
    not considered acceptable alternate health and will not be accepted.

II. Waiver Criteria:

Alternate Health Insurance Plans must offer coverage that is comparable to or
greater than the following criteria:
    A. Coverage dates must include the entire coverage period you are waiving;
    B. Medical benefits of at least U.S. $50,000 for each accident or sickness;
    C. Policy must have an annual deductible of no more than U.S. $500 
        (A Health Care Spending account is not acceptable as an alternative);
    D. Covered benefits paid at a minimum of 75%;
    E. Repatriation of Mortal Remains of at least U.S. $7,500 and Medical 
        Evacuation of at least U.S. $10,000. (A nominal charge will be added to
        your student account of Repatriation and Medical Evacuation benefits if
        they are not included in an otherwise acceptable policy);
    F. Policy should not exclude or unreasonably limit coverage for activities
        essential for students (such as a $10,000 limit on motor vehicle
        accidents, a 13 week benefit period).