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