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Domestic Student Waiver

All students are required to have health insurance during their time at CSU. Students will be automatically enrolled in the CSU Student Health Insurance Plan unless they waive the plan by showing proof of private health insurance.

Health Insurance Waiver and Enrollment Portal is currently closed.

The waiver process takes less than five minutes to complete and requires only the information on your insurance card and the plan holder’s date of birth.

  1. Students will read information about the health insurance requirement as they complete Registration Ready through RamWeb for the upcoming semester.
  2. Students can access the insurance waiver portal 10 days after registering for classes (if registered for six or more resident instruction credits). At that time, students will receive an email to their CSU email account that includes a link to the insurance waiver portal, which is managed by CSU’s contracted vendor Academic HealthPlans (AHP).  All correspondence from AHP will come from an ahpcare.com web address or email account and is a safe and protected site where the insurance waiver portal is hosted.
  3. Follow the link to the insurance waiver portal and have your insurance card ready.
  4. Enter the required information from your insurance card into the secure portal. This process should take approximately two minutes or less. Note: The information is not used for any purpose other than verifying the student’s health insurance coverage.
  5. An independent waiver application audit firm will validate that all plans are active and confirm compliance with the following requirements:
    • Essential health benefits (click here to view these requirements on healthcare.gov)
    • Coverage in Colorado. If you are an out-of-state student, please confirm coverage in Colorado with your insurance carrier.
    • Active coverage as of the first day of classes that remains active for the academic year.
    • Insurance company is owned and operated in the United States.
    • Must have unlimited benefits.
    • No pre-existing condition limitation.
    • No short-term/limited benefit or limited duration plans.
    • No sickness and accident-only plans.
    • No out of state medicaid plans.
  6. Students who have adequate insurance coverage that meets the above requirements, and have received a waiver approval from AHP, will not be enrolled in or billed for the CSU Student Health Insurance Plan for the current academic year.
  7. Students whose coverage does not pass the waiver process will be notified via email that their submission has failed and why. Students will be given an opportunity to update their plan information until the waiver deadline. If a waiver submission is not updated and approved, the student will receive a denial email and will be enrolled on the CSU student health plan for the semester.

 

Waiver Process Frequently Asked Questions (FAQs)

CSU Health Network is every student’s on-campus home for health care, regardless of your insurance plan. Students do not need to be enrolled in SHIP to access our wide array of services. CSU Health Network is in network with most major insurance carriers and can file claims with them. Students’ out-of-pocket costs are dependent on their health insurance plan benefits. We suggest contacting your insurance carrier in advance to see how your plan will cover visits to the CSU Health Network. Our Tax ID and Provider NPIs are located on the Meet Our Staff page.

Waivers may be approved for the following types of insurance plans:

  • Employer Group Health Plans
  • Government Sponsored Insurance Plans (Tricare, Veteran Benefits, Indian Health Services, Medicare or In-state Medicaid)
  • Individual Health Insurance Plans that meet Federal, State, and CSU requirements.

Waivers will not be approved for the following types of insurance plans:

  • Short term/ limited duration/ sickness and accident insurance policies
  • Health Insurance Plans that do not meet Federal, State, and CSU requirements
  • Plans that limit benefits and have pre-existing condition limitations
  • No out of state Medicaid plans. 

The end of the insurance enrollment and waiver period is approximately two weeks after the start of classes, the same day as the CSU add/drop date. After that date the insurance cannot be cancelled or purchased and no refund can be issued.


Students must meet this requirement their first semester at CSU and every fall semester thereafter.

The CSU Student Health Insurance Plan costs approximately $334 per month with an in-network $1,000 deductible and 80/20 co-insurance outside the CSU Health Network and minimal to no cost sharing inside the CSU Health Network.

The CSU Health Network insurance staff sends the roster of students enrolled in SHIP at the beginning of the plan year to AmeriBen (claims administrator) so that students can receive prescription medications and care at the beginning of the semester. For more detailed information about SHIP and coverage periods, click here.

Students who do not have other health insurance coverage or do not complete a health insurance waiver will remain enrolled in the CSU Student Health Insurance Plan (SHIP) and the student account will be billed for the  semester coverage. 

Students may opt-out of SHIP for the next semester with their own health plan during the next open enrollment period. 

Questions?

Contact the CSU Health Insurance office at 970-491-2457   Opt 1 or csuhn_insurance@colostate.edu.

Note: Due to the nature of the insurance open enrollment cycle, this office experiences periods of high phone volume. Please consider emailing us at csuhn_insurance@colostate.edu and we will respond as soon as possible. 

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