Health Insurance

Health Insurance

Effective for the 2019-20 academic year, all full-time domestic undergraduate, graduate, and second degree nursing students will be enrolled in, and billed for, the University-sponsored health insurance policy, unless the student is already enrolled in a comparable health insurance plan. If the student already has health insurance, a waiver must be completed in order for a credit to appear on the student’s bill. The deadline to waive the insurance is Tuesday, August 6.

Here are the steps to complete your waiver:

  • Have your health insurance card available
  • Log onto my.Fairfield.edu (Net ID and password required)
  • Enter "health insurance waiver" in the search tool
  • Click on the "Student Health Insurance Waiver" icon
  • Complete the form
  • Be sure to click on the "submit" button on the bottom of the screen

In early July, once your bill is issued by the Bursar’s Office, you will be able to verify that the waiver and subsequent credit has been successful:

  • Log on to my.Fairfield.edu
  • Search “Online Billing and Payment – Student” and then select “Launch”
  • Select “View Current Activity, Fall 2019”

You will see the initial charge for the student health insurance plan; students who have submitted the waiver will see a corresponding credit, which may take up to two business days following submission to appear.

Domestic Students (Undergraduate):

Fairfield University requires that all full-time domestic undergraduate students maintain or purchase a health insurance policy. Under Fairfield University's “hard waiver” program, full-time domestic undergraduate students are automatically enrolled (and billed), each July, in its sponsored health insurance policy for the upcoming academic year. A $2,277.00 charge for this policy appears on the domestic student's tuition bill. However, if the domestic student has access to comparable or better health insurance through other means (e.g. parents' coverage), and does not wish to be enrolled in the University sponsored plan, the domestic student must complete an on-line waiver to provide proof of coverage. Students completing the waiver to decline the university sponsored plan will receive a full credit on their tuition bill.   

International Students (Graduate):

Fairfield University requires all graduate international students (part-time or full-time) and all full-time undergraduate international students to purchase the University sponsored health insurance policy. The University enrolls each international student in its sponsored health insurance plan for the upcoming academic year on a mandatory basis. A charge for this policy appears on the student’s tuition bill. International (VISA holding) students cannot waive coverage. 

Domestic Full-Time Graduate & Second Degree Nursing Students

Fairfield University requires that all full-time domestic graduate and second-degree nursing students maintain or purchase a health insurance policy. Under Fairfield University's “hard waiver” program, these students will see a charge of $3,377.00 on their tuition bill for a health insurance policy for the upcoming academic year. However, if the student has comparable or better health insurance coverage through other means (e.g. parents, spouse) and does not wish to be enrolled in the University-sponsored plan, the student must complete an online waiver to provide proof of coverage and receive a full credit for the policy on their tuition bill.

Student Health Insurance Plan Features:

  • Fully compliant with the Affordable Care Act (ACA)
  • Annual deductibles: $250 In-Network and $500 Out-of-Network
  • Coverage at 80% In-Network & 50% Out-of-Network
  • In-Network Physician’s Office visits covered at 100% after a $40 copay
  • Preventive care services with no deductibles, copays or coinsurance (In-Network Only)
  • Students will be able to locate providers whether at home, school, or throughout the country through the Cigna PPO Network
  • Retail or mail order prescription drug coverage
  • Worldwide Travel Assistance including Medical Evacuation, and Repatriation, and Political & Natural Disaster coverage
  • Wellness discounts including Vision and Dental
  • Voluntary Dental Insurance available for all students regardless of Student Health Insurance enrollment 

For a complete description of the benefits available, limitations and exclusions, and FAQs please visit www.gallagherstudent.com/fairfield.

Part Time Students

The University’s health insurance requirements and “hard waiver” program only applies to traditional, first degree undergraduate students, fulltime graduate students, and students enrolled in the second degree nursing program. Voluntary enrollment in the University sponsored health insurance plan is not available to part-time students at either the undergraduate or graduate levels. Alternatives to consider in order to maintain health insurance coverage while attending Fairfield University include: 

  • Coverage under a parent’s employer insurance plan: For those under age 26, you may qualify to enroll as a dependent on the health insurance plan held by a parent. 
  • Individual coverage through your state insurance marketplace: Coverage is available for individual enrollment through the insurance marketplace in the state in which you are a permanent resident. Visit healthcare.gov and complete the questionnaire to view plans that you may qualify for. Depending on your household income, you may also qualify for a subsidy for coverage purchased through your state marketplace.
  • Individual health insurance plans available on the open market (outside of the official state marketplace).

 

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