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HEALTH INSURANCE (Insurance waiver)
The requirements for a private insurance are:
Minimum of $75,000 coverage per injury or sickness (including hospitalization).
Deductible no higher than $300.
Minimum of 80% coverage after the deductible is met.
Minimum of $750 prescription coverage.
Minimum of $500 outpatient mental health coverage.
Minimum of $10,000 inpatient mental health coverage.
Minimum of $1,000 physical therapy coverage.
Must cover maternity expenses.
Must be translated into English.
Must cover a pre-existing condition after 6 months, or continue covering a pre-existing condition if student had at least 6 months of prior insurance coverage.
Must have at least $10,000 medical evacuation and $7,500 repatriation benefits.
Coverage must be in effect the day you arrive in the US or by the first day of fall classes (September 7) and continue through the end of Summer II (August 23). BE SURE YOUR PRIVATE POLICY COVERS ALL SEMESTERS.
In order to waive the Spring/Summer insurance fee, your policy must be in effect on January 11. If you were insured by WMU through December 31 and choose to waive out by purchasing private insurance, your coverage must be in effect on January 1. NO LAPSES IN COVERAGE ARE ALLOWED WHILE IN THE UNITED STATES. To waive Spring only, your policy cannot expire prior to May 10. To waive Spring and Summer, your policy cannot expire prior to August 23. To waive Summer only, your policy must be in effect May 6–August 23.
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