Student Health Insurance from Pearce & Pearce
PROVIDING A MORE AFFORDABLE OPTION
All graduate students enrolled in nine or more hours, graduate assistants, and international students are required by The University to have health insurance and must either:
Purchase the student health insurance plan offered by Pearce & Pearce
- Waive out by providing documentation of enrollment in comparable health insurance plan that meets the waive out requirements detailed below.
HOW DO I WAIVE OUT?
To "waive out" or to "complete the waiver process" simply means to turn down the Pearce & Pearce student health insurance plan offered by the University. If you are a graduate or international student and have comparable health insurance coverage and wish to turn down the Pearce & Pearce student health insurance plan, you MUST complete the waiver process online by February 5, 2013 to have the health insurance fee removed from your tuition.
- You must waive out each semester (excluding Maymester and summer sessions) or you will be automatically enrolled into the student health insurance plan and billed by the Bursar's Office.
REQUIREMENTS TO WAIVE OUT
For your comparable health insurance plan to meet the waiver criteria, your health insurance plan must feature all of the following:
- Coverage must begin on or before January 6, 2013.
- Coverage that allows the insured student to receive in South Carolina:
- Ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services including behavioral health treatment, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management, pediatric services including oral and vision care
- A minimum of US $100,000 per policy year per illness/accident/injury
- Coverage amount of US $500,000 or greater aggregate per lifetime
- Coverage dates must include the semester academic dates, including breaks and holidays.
- The pre-existing condition limitation cannot exceed twelve months.
- If coverage applies to international students: a combined benefit of US $50,000 for medical evacuation and repatriation of remains.
Please be aware the University-sponsored student health insurance plan meets, and in most cases significantly exceeds, the required coverage minimums.
ADDITIONAL REQUIREMENTS FOR INTERNATIONAL STUDENTS
The Pearce & Pearce student health insurance plan meets all additional insurance requirements for international students and dependents. In addition to the coverage requirements listed for graduate students, international students must have insurance that meets the following additional requirements:
• A combined total of US $50,000 coverage for medical evacuation and repatriation of remains to the insured person's place of residence in his or her home country.
• For J-1 exchange visitors and their J-2 dependents, the U.S. Department of State regulations require that the health insurance plan must also meet one or more of the following criteria:
- Part of a group benefits program offered to enrolled students by a designated sponsor, or
- A health maintenance organization (HMO) that is federally qualified as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human services, or
- A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human services, or
- Underwritten by an insurance company having an AM Best rating of "A-" or above, an Insurance Solvency International, LTD. (ISI) rating of "A-" or above, a Standard and Poor's Claims-Paying Ability rating of "A-" or above, or a Weiss research, Inc. rating of "B+" or above.
PROVIDING A MORE AFFORDABLE OPTION
The University of South Carolina participates in a student health insurance consortium with other public universities in the state to provide suitable health coverage at a reasonable price. The Graduate School has announced that graduate assistants will receive a subsidy of $275 during the 2012-13 academic year to help them pay for the Pearce & Pearce student health insurance. As a result of this subsidy, graduate assistants will pay only the reduced portion of the semester premium.
COST OF PREMIUM
for an individual
the graduate assistant subsidy
graduate assistant subsidy
|Fall 2012 semester||
|Spring/Summer 2013 semesters||
UNINTERRUPTED PRESCRIPTION COVERAGE: To allow uninterrupted prescription coverage during breaks throughout the year (winter break, summer break, etc.), students with the Pearce & Pearce student health insurance plan can click here to renew their coverage. Once in the site, enter your e-mail address and password, then click the "renewal" button for the upcoming semester.
FREQUENTLY ASKED QUESTIONS
WHY HEALTH INSURANCE IS REQUIRED FOR GRADUATE AND INTERNATIONAL STUDENTS
- Do students who are under their parents insurance have to purchase the Pearce & Pearce student health insurance plan?
- Why is the University requiring health insurance as a condition of enrollment for graduate students enrolled in nine or more hours, all graduate assistants and international students?
- Why do students need health insurance when they can be seen at Student Health Services?
THE QUALITY AND AFFORDABILITY OF PEARCE & PEARCE HEALTH INSURANCE
- Is the Pearce & Pearce student health insurance plan comparable to other health insurance plans?
- What is the annual health insurance premium for the 2012-13 University-sponsored plan?
- Are there cheaper health insurance plans available that meet the minimum waiver criteria?
- If I leave the University, will I automatically lose my insurance coverage?
- I will be studying abroad while enrolled at the University. Will the Pearce & Pearce student health insurance plan give me coverage while I am away from the United States?
OTHER ENROLLMENT ISSUES
- What if I lose my current insurance during the school year? Can I sign up for the Pearce & Pearce student health insurance plan at that time?
- I would like to enroll my spouse and children in the Pearce & Pearce student health insurance plan. Can I do that?
- Can I enroll my domestic partner in the plan?
DURATION OF COVERAGE
- What are the dates of coverage of the 2012-13 Pearce & Pearce student health insurance plan?
- Can I continue coverage after I graduate or leave the University?
PRIMARY CARE & REFERRALS
- Who provides my primary healthcare under the Pearce & Pearce student health insurance plan?
- How do referrals work under the Pearce & Pearce student health insurance plan?
- Does the Pearce & Pearce student health insurance plan cover dental care?
- Does the University require dental insurance for students?
- How will I be billed for the student health insurance plan?
- Can I get financial aid to cover the Pearce & Pearce student health insurance plan premium?
Can I charge the cost of the insurance plan for
my dependents to my University account (set up through the Bursar's Office)?
MORE INFORMATION ON THE WAIVER PROCESS
- If I waive out of the insurance plan in the fall, will I have to continue to do so each semester?
- What happens if my insurance situation changes between the day I complete the waiver and the deadline?
- What if my health insurance plan is denied through the waiver process, or I miss the deadline and get charged for the insurance plan and I want to appeal the charge?
- Who do I contact if I have questions about the waiver process?
- Who do I contact if I have questions about enrollment, insurance benefits or claims processing?
- Where can I receive information online?
- What if I have questions about or problems with my Pearce and Pearce insurance ID card?
How do I find a list of preferred providers under my student health insurance plan?