The Affordable Care Act, federally mandated health care legislation, requires that all individuals have health insurance coverage; therefore, in order to better serve Delaware State University students the University has decided to adopt a hard waiver plan. The hard waiver model allows students who already have insurance coverage that meets the federal requirements to opt out of the University’s plan. This model also allows students without health insurance, or insurance coverage that meets the federal requirements, access to an affordable health plan.
In order to meet this federally mandated requirement, students can be enrolled into their parents’ plan (if they are under 26 years of age) or purchase their own health insurance.
OPTION 1: If already insured, opt out of the University’s student health insurance plan
Students who already have insurance coverage that meets the federal requirements – including those under the age of 26 who are enrolled in their parents’ plan – can opt out of the University’s student health insurance plan, in which all full-time students are automatically enrolled.
WHAT YOU MUST DO: If you already have health insurance coverage, complete the waiver form online on Delaware State University’s page at www.studentinsurance.com/schools/DE/DESU  prior to October 15, 2015 the deadline for the fall semester. Once your insurance waiver is verified by AIG insurance company, the University will update your student account to reflect the waiver and a credit will be issued.
OPTION 2: If not sufficiently insured, activate your student health insurance coverage
Full-time students without health insurance, or enough insurance coverage that meets the federal requirements, will be provided access to a cost-effective health plan through AIG for an annual cost of $1,102 ($551 per semester).
WHAT YOU MUST DO: If you did not waive out of the insurance plan, you will need to go online prior to October 15, 2015, the deadline for the spring semester, to Delaware State University’s page at www.studentinsurance.com/schools/DE/DESU  and select “Enroll” to activate your coverage and receive your insurance ID card. To use the insurance prior to February, you must go online and activate your coverage.
Coverage under the plan begins August 1, 2015, and ends January 12, 2016. Coverage for the spring semester begins January 12, 2016, and ends July 31, 2016.
You are strongly encouraged to learn more about Delaware State University’s student health insurance plan by viewing the full policy brochure online at DSU’s page at www.studentinsurance.com/schools/DE/DESU .  The brochure details coverage, benefits, policy exclusions and out-of-pocket costs.