What is a waiver?
The waiver is verification that you have purchased alternative, qualifying health insurance coverage. It must be submitted before the waiver deadline each semester. If the waiver is approved, the insurance charge will be removed from your account. The alternative, qualifying coverage must be valid from the first day of classes and must end no earlier than the last day of classes for the semester.
What are the requirements for an alternative health insurance? (Updated July 2018)
- Coverage for essential benefits (with no dollar limits), as defined under the Patient Protection and Affordable Care Act. Stand-alone travel and/or emergency/urgent care coverage is not acceptable. The policy must include:
- mental health services
- maternity benefits (if you are female or have a spouse on the plan)
- preventive care
- coverage for pre-existing condition
- pediatric dental and vision coverage (if you have dependent children on the plan)
- Unlimited Maximum Benefit for covered medical expenses.
- A policy year deductible of $500 or less.
- Maximum total out-of-pocket expenses cannot exceed $6,350 per member ($12,700 per family) with preferred providers. (Deductibles, coinsurance, and copays all count toward the out-of- pocket maximum.)
- A minimum of 80% coinsurance payable by the insurance plan to network providers.
- Coverage includes effective dates spanning the entire period for which the waiver is requested.
- Summer - 06/01/2018 through 07/31/2018
- Fall - 08/01/2018 through 12/31/2018
- Spring - 01/01/2019 through 05/31/2019
- Plan document(s) are written in English, with currency amounts converted to U.S. dollars, and the insurance company contact phone number is located in the U.S.
- Insurer has a base of operations in the US or has a US based claims payer.
- At least $100,000 in coverage for repatriation and medical evacuation.
- J-1 Exchange Visitors and their dependents only: Policy must be underwritten by an insurance company that meets the rating requirements of the U.S. Depart. of State Exchange Visitor Program or is backed by the full faith and credit of your home government.
- Insurer is authorized to do business in Kansas and is providing coverage under a policy that has been filed and approved by the Kansas Department of Insurance.
Where can I find the waiver ?
Beginning in Fall 2017, the waiver will be administered by the company ECI Services. All students, once enrolled for a given semester will receive an email to their k-state email address from ECI. Students must follow the instructions in the email to complete the waiver. The email from ECI will look like the below image.
What happens after I submit the waiver form?
ECI Services and the Insurance Coordinator will review your waiver and if approved, the insurance charge will be removed from your KSIS account. If your waiver is denied, you will receive notification from of the denial from ECI and the charge will remain on your account. If you do not see the adjustment of the fee on your account or receive an email from ECI, you should contact email@example.com prior to the waiver deadline.