International students may be eligible to waive enrollment in the school-sponsored Student Blue health plan if they have other health insurance coverage that meets their institution's waiver requirements.
Find out if your current health insurance meets the requirements to waive your institution's Student Blue health plan. Review the benefits and coverage your plan must provide and learn which requirements apply to J-1 and F-1 visa holders. If your insurance does not meet these requirements, you may need to enroll in your school's Student Blue health plan.
| Coverage provision | Waiver guideline | Needed to apply? |
|---|---|---|
| Coverage period | Policies must provide, at a minimum, continuous coverage for the entire period the insured is enrolled as a student, including breaks | Yes |
| Medical benefits | At least $100,000 per accident or illness | Yes |
| Repatriation of remains | Minimum of $50,000 benefit | Yes |
| Medical evacuation | Minimum of $60,000 benefit | Yes |
| Deductible | Maximum of $250 per accident or illness or $500 per coverage year | Yes |
| Pre-existing conditions waiting period | Must be covered after 6 months of enrollment | Yes |
| Maximum coinsurance (covered person share) | Covered person may be required to pay up to 25% of the covered benefits per accident or illness | Yes |
| Mental health inpatient, including substance use disorder | At least $5,000 per coverage year or for a period of at least 30 days per coverage year | Yes |
| Mental health outpatient, including substance use disorder | At least $500 per coverage year or at least 30 visits per coverage year | Yes |
| Comprehensive medical coverage | Provides comprehensive medical insurance and is not a limited-benefit or fixed indemnity policy | Yes |
| Coverage provision | Waiver guideline | Needed to apply? |
|---|---|---|
| Coverage period | Policies must provide, at a minimum, continuous coverage for the entire period the insured is enrolled as a student, including breaks | Yes |
| Medical benefits | At least $100,000 per accident or illness | Yes |
| Repatriation of remains | Minimum of $50,000 benefit | Yes |
| Medical evacuation | Minimum of $60,000 benefit | Yes |
| Deductible | Maximum of $250 per accident or illness or $500 per coverage year or for F1 visa holders, a different deductible amount is allowed | Yes |
| Maximum coinsurance (covered person share) | Covered person may be required to pay up to 25% of the covered benefits per accident or illness or for F1 visa holders, a different coinsurance percentage is allowed | Yes |
| Preventive care | At least $200 in preventive care per policy year | Yes |
| Mental health inpatient, including substance use disorder | At least $5,000 per coverage year or for a period of at least 30 days per coverage year | Yes |
| Mental health outpatient, including substance use disorder | At least $500 per coverage year or at least 30 visits per coverage year | Yes |
| Comprehensive medical coverage | Provides comprehensive medical insurance and is not a limited-benefit or fixed indemnity policy | Yes |
Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.
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