Other Insurance

Opt out of Calvin's health insurance

Calvin College uses a "hard" waiver system, meaning all undergraduate students who are enrolled in 6 or more credit hours will be enrolled in the college-sponsored plan automatically unless they show proof of comparable existing insurance and submit a signed waiver. Please note, we do not accept or direct bill Medicaid, Medicare or TriCare.

Requirements to opt out of the United HealthCare Student Plan

To meet Calvin College's insurance requirements, private health insurance must meet the following conditions:

  • Provides coverage for medically necessary care in the greater Grand Rapids area and anywhere in the United States.
  • Provides coverage for the entire academic year.
  • Provides coverage for at least $100,000 per year.
  • Provides both medically necessary outpatient treatment and hospitalization for medical and surgical services.
  • Plan is not a travel plan or an "emergency only" plan.

If you do not know if your current health insurance plan meets these requirements, contact your plan administrator to get accurate information before submitting a waiver form.

Annual Verification of Insurance

Each Spring, students currently enrolled at Calvin College for 6 or more credit hours must submit information about their current health insurance coverage. This is your chance to enroll in or waive out of the United HealthCare Student Plan for the next school year. If you choose to waive out of the plan, you must be prepared to answer questions about your current health insurance coverage.

United HealthCare Student Plan Waiver Form

Insurance requirements for Canadian students

While we recognize that Canadian students have provincially-subsidized health care administered by their own government, the college feels strongly that the Canadian provincial plans offer only limited coverage for health care received in the United States. We therefore require Canadian students to carry supplemental insurance in order to waive out of enrollment in the Student Health Insurance Plan (United HealthCare Student Plan).

Canadian Students are required to purchase the United HealthCare Student Plan if they cannot provide proof of supplemental coverage that meets the college's minimum insurance requirement. Travel insurance and other emergency-only plans are not considered comparable and do not meet the college's minimum insurance guidelines.

Health insurance for international students

Unlike health care costs in many countries, health care in the United States is very expensive. To provide affordable and easy access to medical care while you are studying in the United States, Calvin College requires all international students to enroll in the Student Health Insurance Plan (United HealthCare Student Plan).

The most common problems with other insurance you may purchase includes paying out of pocket first and then being reimbursed for charges later; paying a high deductible every time you go off campus for medical care; exclusion of mental health benefits; etc.

This is why all international students are required to enroll in KnightCare in order to meet the college's minimum insurance standard. Do not purchase other travel insurance or other emergency-only plans. They are not considered comparable, and do not meet Calvin College's minimum insurance guidelines.

United HealthCare Student Plan Waiver Form