Frequently Asked Questions

Opt-Out

If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver. You may only opt-out of coverage during the following Waiver Periods:

2024-2025 Plan Year

Summer ONLY - 05/01/2025 - 07/07/2025

SUMMER 24-25 WAIVER CANNOT BE USED TO WAIVE FALL 2025 COVERAGE.

2025-2026 Plan Year

Fall - 06/16/2025 - 08/25/2025

Spring/Summer (New Students Only) - 11/20/2025 - 01/26/2026

Summer (New Students Only) - 05/01/2026 - 07/06/2026

DOMESTIC STUDENTS WAIVER

All full-time domestic students are automatically enrolled in SAIC’s Student Health Insurance Plan (SHIP). The insurance fee will appear on students’ accounts as an additional charge, separate from tuition and other fees. If students have alternative health insurance coverage, a waiver may be submitted.

To be eligible for a waiver of enrollment in the SHIP, SAIC requires that students provide evidence of coverage equal to or better than the coverage provided by SAIC’s SHIP. Please be advised that the waiver request will be reviewed and verified active with the insurance carrier. Notification of acceptance or rejection of waiver requests will be sent to students’ SAIC email addresses within seven business days.

To qualify for a waiver, your health insurance plan must meet the requirements listed below.

  1. Coverage must be active for the full date range associated with the term(s) for which a waiver is being requested.
  2. Have equivalent coverage, in the Chicago area, to the SAIC’s Student Health Insurance plan including, but not limited to:
    1. Full coverage for pre-existing conditions;
    2. Covers 100% of preventive care;
    3. Unlimited benefits;
    4. And be Affordable Care Act (PPACA) compliant

If your plan meets the above criteria and you want to waive enrollment from the Student Health Insurance Plan, please acquire an electronic copy of the front and back of your insurance ID card and then select the link below to submit your waiver request. Once you login, select the WAIVE button under the “I Already Have Insurance.” section.