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Insurance Office
209.946.2315 opt 6 and 7
Cowell Wellness Center
Charity Torres
Student Insurance Coordinator
3601 Pacific Ave
Pacific Health Services
Stockton, CA 95211

Health Insurance Waiver

Students that have their own comprehensive health insurance and do not want to be automatically enrolled in and billed for the University sponsored Student Health Insurance Plan (SHIP) must submit an annual online waiver every academic year before the Fall term (Summer quarter for Dental students).  Kindly read the health insurance waiver requirement carefully before submitting a waiver. Waiving is an annual process and must be completed every academic year in the Fall.

Per insurance carrier requirement, once a student is enrolled in the policy, the student is enrolled for the duration of the policy year.  Students will have no option to terminate or waive out in the Spring semester unless they graduate or enter the armed forces.

Annual waiver deadline:
6/1/21 through 7/31/21 - Dental students
6/1/21 through 9/3/21 - Law, Graduate, PharmD, Undergraduate students
Late annual waiver deadline: 9/30/21 subject to a $100 late waiver fee
Spring waiver deadline: (new students only)
12/1/21 - 1/31/22 - all new students
Late spring waiver deadline: 2/28/22 subject to a $100 late waiver fee

Click 'submit waiver here' below to access the online waiver and enrollment form starting June 1st. 

Health Insurance Waiver Requirements:

Your health insurance plan must include ALL of the following in order to qualify for a waiver (Domestic and International Students)

  • The plan must provide coverage for medical evacuation of $50,000 and repatriation of remains of $25,000 (International Students)
  • Coverage for the entire academic year
  • Must be a U.S. based insurance company
  • Coverage for inpatient and outpatient hospitalizations
  • Coverage to local doctors, specialists, hospitals, and other health care providers in emergency and non-emergency situations within your campus area
  • Coverage for lab work, diagnostic x-rays, emergency room treatment, and prescription coverage within your campus area
  • Coverage for inpatient and outpatient mental health, substance abuse and counseling services in your campus area

The following types of insurance plans are NOT acceptable and will NOT be considered:

  • Non-ACA (Affordable Care Act) compliant health care plan
  • Short Term Medical Plans that are available to purchase on a weekly or monthly basis
  • Travel Insurance Plans that are underwritten in a Country outside of the United States
  • California Medi-Cal Health Plans that do NOT have assigned benefit coverage in your campus area
  • Out of state medicaid insurance do not cover students in California
  • Ministry cost-sharing