The university Board of Trustees requires all students, except as allowed in § 3-506(c), to be covered by health insurance, either through a program provided by the university or one determined to be compliant with the Affordable Care Act (ACA).
If the ACA is repealed or amended during any academic year, the university will review any law replacing it to determine what impact, if any, the new law has on the university’s existing policies and practices and will notify the university community, including its students, as soon as practicable. Additionally, the university will work to revise this policy in line with the new law prior to the beginning of the next academic year.
The fee for the Student Health Insurance Plan is assessed along with other tuition and fees. For graduate students, waiver-generating appointments include partial payment of the Health Insurance Fee.
Coverage extends, including semester breaks, from the Saturday before the first day of classes for a given semester and terminates at midnight on the Friday prior to the next consecutive semester’s coverage date. The summer term is considered a semester.
Plan benefits are detailed in the Student Health Insurance Plan brochure hosted on the Student Health Insurance website, si.illinois.edu. The fee/premium is charged per semester. The summer term is considered a semester. No semester amount can be prorated.
All changes to the plan, waiver of the fee, extension of coverage, and purchase of dependent coverage, must be completed during the semester’s Enrollment /Change Period, which is posted on the website, si.illinois.edu. All changes must be completed according to the Student Health Insurance policy. Changes attempted by any other means will not be valid. Requests for changes included with tuition and fee payments will not be valid. Refer to the Student Health Insurance website at si.illinois.edu or call the Student Health Insurance office for details on insurance enrollment/change procedures.
Students who wish to cover their dependents must purchase dependent insurance each semester during the Insurance Enrollment/Change Period. The summer term is considered a semester.
Dependent coverage is only available if the student is covered, through registration or extension, by the Student Insurance Plan for the requested semester.
Dependent coverage must be purchased during the Insurance Enrollment Change Period, or within thirty-one days of acquiring a new dependent (marriage, birth, entry into U.S.).
Dependent coverage becomes effective on the date of application and receipt of premium or the regular beginning date of semester coverage for which coverage is being purchased, whichever is later.
Students wishing to enroll eligible dependents must submit approved documentation to the Student Insurance office before dependent enrollment can be completed. Each dependent needs to be verified only once. Once the Student Insurance office verifies dependent status, the student will be able to enroll said dependent(s) into their health insurance plan. A list of approved documentation can be found on the Student Health Insurance website: si.illinois.edu.
Students who wish to apply for extension of coverage beyond the last semester enrolled and insured must apply for that extension during the specified dates given on the Student Health Insurance website at si.illinois.edu. Extension of dependent coverage must also be completed during that time. Only one consecutive semester of coverage beyond the semester for which the student was enrolled and assessed the fee can be granted
If a student wishes to opt out from the Student Health Insurance Fee, a waiver application must be completed and approved within the Insurance Enrollment/Change Period for the semester. A student who wishes to opt out from the fee must present health insurance coverage that is compliant with the ACA. Other coverage must meet the "Comparable Requirements" listed on the Student Insurance website (si.illinois.edu). The policy must be in force on or before the first day of classes for the semester for which the waiver is being requested.
Evidence of ACA compliant health insurance coverage must be a copy of the schedule of medical benefits and a certificate of coverage or notice on company letterhead from the employer or company certifying coverage of the student. The waiver will continue in effect until the end of that academic year. If waiver from the Student Health Insurance Plan is approved, the student is responsible to maintain ACA compliant health insurance coverage while enrolled in the University of Illinois.
Reinstatements are for students who have completed a waiver by showing proof of other ACA compliant health insurance and now wish to reinstate themselves into the Student Health Insurance Plan. Reinstatements must be done in person. No forms are available on the Student Health Insurance website. There are two ways to reinstate:
Change of Status Reinstatement. Students who are in opted-out status from the Student Health Insurance Plan and want to be reinstated to the plan may apply by providing proof of loss of other insurance; i.e., notice of termination of insurance from the insurance company or employer. This must be done within 63 days of such loss of other insurance. Enrollment is guaranteed with coverage effective on the date of application or date of termination of other insurance, whichever is later. Students must be registered for the semester they wish to reinstate, and they must be eligible to be assessed the fee. Change of status reinstatement can be done throughout the semester, based on the termination of your other health insurance. The full semester fee will be charged
Enrollment/Change Reinstatement. Students who are in opted-out status from the Student Health Insurance Plan, and who want to be reinstated to the plan, MUST apply during the Insurance Enrollment /Change Period for the semester they wish to reinstate. They must be registered for the semester they wish to reinstate, and they must be eligible to be assessed the fee.