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Human Resources
Waiving AU Insurance
Andrews University has a "Hard Waiver" policy, which means that students will be enrolled in and charged automatically for the university-negotiated insurance plan. However, if a student already has medical insurance, he/she can waive the plan during registration time by entering his or her own insurance information in the waiver form available in Registration Central, under the Student Insurance step. A copy of the private insurance card must be presented to the Student Insurance Office at the Human Resources department or the student will automatically be charged for student insurance. Students who enroll after the registration deadline will have to bring a copy of their insurance card to our office before they can waive AU insurance.
When completing the waiver form when you register online, please make sure that you accurately complete all necessary insurance information, based on your current coverage.
Please note:
- Some insurance policies are not valid outside the state where they were issued. Please check on this with your insurance carrier before you attempt to use their policy as proof.
- Some insurance covers at a much-reduced rate outside of your coverage area. Make sure that if this is the case with your policy that the coverage amounts are sufficient.
- Health providers, except for emergencies, do not accept Medicaid from states other than Michigan. Because of this Medicaid cards from states other than Michigan will not be accepted as proof of insurance.
- Proof of insurance is not a phone call to Student Insurance informing us that you do have other insurance and to not place an insurance charge on your account. Although this appears convenient and easy, the proof requirement has not been met. You are still required to complete the online waiver at registration time. If you require time to meet the proof requirements please make the proper arrangements with our office. Do not wait until the last few days before insurance charges will be posted to your account to make these arrangements.
- If you would like to take care of the insurance waiver process before the start of the term you may do so online once financial registration for that semester has opened.
Medicaid Waivers
Students who have Medicaid are allowed to waive AU insurance. Medicaid cards from states other than Michigan will not be accepted as proof of insurance. Except for emergencies, Michigan health providers do not accept Medicaid from states other than Michigan.
Since Medicaid is granted on a month-by-month basis, you are required to bring your current Medicaid card in to our office at the beginning of each term. Failure to provide this information in any term will result in a charge for insurance from that term through the remainder of the school year and is not refundable!
International students with F-1 and J-1 visas are sometimes granted limited Medicaid benefits - for example, for pregnancy or emergency services. Since these types of Medicaid coverage do not meet the minimum requirements set up by the university, they cannot be used to waive the student insurance program.
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