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Health Insurance Verification Deadlines

Important Dates

Date Required Action

November 18, 2019

Aetna's online health insurance site opens to incoming spring semester students who need to enroll or submit health insurance verification. Please note: if you returned to UVA for the fall semester and have completed the insurance verification prior to the fall semester, you do not need to complete it again for the spring semester. Also, if you are enrolled as a UVA student in the fall, you are unable to waive out of the Aetna student health plan midway during the academic year.
January 1, 2020 Coverage begins for students enrolled in the Aetna Student Health Insurance plan.
February 3, 2020 Deadline by which students must enroll or waive coverage.
February 12, 2020 Deadline by which a student can appeal the decision if their waiver is denied.
February 28, 2020 UVA will post the Aetna Student Health Insurance plan annual premium of $1,742 to the SIS accounts of students who enrolled, failed to submit adequate documentation, or whose health plans were determined not to provide comparable coverage.
March 31, 2020 Deadline by which students must pay the annual premium for the Aetna Student Health Insurance plan.
August 14, 2020 Date that coverage ends for students enrolled in the Aetna Student Health Insurance plan.

All UVA students, both domestic and international, who pay the comprehensive fee with their tuition must meet the health insurance hard-waiver requirements.

UVA implemented the health insurance hard-waiver program for these important reasons:

  • To reduce the health risk of its student population by ensuring reliable access to health care services.
  • To insulate students from devastating medical charges.
  • To ensure compliance with University policy.

Because unforeseen medical situations can and do arise over the course of an academic career, UVA requires students who pay the comprehensive fee to also carry adequate health insurance.

What Does This Mean?

Under the health insurance hard waiver program, UVA requires students who pay the comprehensive fee to:

  1. carry health insurance that meets specific coverage requirements (i.e., comparable coverage); and
  2. provide proof of this insurance on an annual basis.

If proof of comparable coverage is not submitted (whether a student fails to submit any documentation or because a student’s health plan is determined not to provide adequate comparable coverage), the student will be responsible for the full cost for single coverage under the University-endorsed Aetna Student Health Insurance plan.

Any degree-seeking students who are not in residence are exempt from the hard-waiver program during their absence from Charlottesville.

What is Comparable Coverage?

In order to be considered comparable coverage, both domestic and international student’s health plan must meet the following five specific requirements for 2019-2020:

  1. The plan is provided by a company licensed to do business in the United States with (a) a U.S. claim payment office, (b) a U.S. telephone number, (c) plan literature available in English, and (d) benefits provided in accordance with the Affordable Care Act (ACA). The following programs do NOT qualify as comparable coverage:
    • Travel insurance does NOT qualify. Travel insurance is in effect for a short period of time (60-90 days, for example) and is designed for brief trips.
    • Reimbursement programs of any kind do NOT qualify, including reimbursement arrangements or vouchers from home governments or their U.S. based consulates.
  2. The plan provides both in-patient care and outpatient care (including visits for behavioral health care) within a 75-mile radius of the Charlottesville area. Coverage for emergency-only care does NOT satisfy this requirement.
  3. The plan provides unlimited coverage for major medical benefits per sickness or injury. Insurance that fails to cover or limits coverage for pre-existing conditions is NOT acceptable.
  4. The coverage will remain in effect for all semesters in which the student is enrolled for the 2019-2020 academic year.
  5. You or the health insurance subscriber will be held financially responsible for payment of all charges not covered by your health insurance plan.