Insurance Information

All domestic and international students enrolling at Florida State University must show proof of health insurance before they can register for classes. This is an annual (once yearly) requirement.

Waiver and Coverage Dates

These dates are the same every year.

*Spring/summer coverage is the only option. There is no spring only coverage.

**Summer only coverage is for students beginning their FSU journey in summer session. The summer premium is not prorated for students attending later summer sessions.

Per the office of the registrar, any student (graduate, undergraduate or special student) enrolling for 6 credit hours during summer session is considered a full-time student.

Requirement to Show Proof

1. Graduate and undergraduate domestic students enrolling full-time (undergraduates taking at least 12 hours and grads taking at least 9 hours, or anyone taking 6 hours in summer) and all international students regardless of the number of credit hours they are taking must show proof of health insurance before they can register for classes. This is an annual (once yearly) requirement.
2. International students are those students studying at FSU on a J or F visa.
   • Accompanying dependents on a J visa must also be covered by health insurance.
   • International students must either enroll in the school sponsored health insurance plan or waive enrollment in the school sponsored plan by showing proof of other comparable insurance.
3. Comparable insurance for
   • domestic students will provide the following:
     1. Coverage for the entire academic year including the holiday break and summer
     2. Mental health coverage
     3. Prescription drug coverage
     4. Provider network in Tallahassee/Leon County for specialty, diagnostic, emergency and hospital care. NOTE: Should you choose to use a plan that does not have a provider network in the Tallahassee/Leon County area, your student can expect significant out-of-pocket expenses for needed routine, specialty and diagnostic care.
     1. Coverage for the entire academic year, including annual breaks, regardless of your terms of enrollment. See the chart for Waiver and Coverage dates.
     2. basic benefits: room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees paid at 80% or more of usual, customary, reasonable (UCR) charges per accident or illness, after deductible is met, for in-network, and 70% or more of UCR charges for out-of-network providers per accident or illness.
     3. mental health care for in-patient mental health care paid at 80% in-network or 60% out-of-network of the UCR fees with a minimum 30-day cap per benefit period AND outpatient mental health care paid at 80% in-network or 60% out-of-network of the UCR fees for a minimum of 30 (preferably 40) sessions per year.
     4. maternity benefits treated as any other temporary medical condition and paid at no less than 80% of UCR fees in-network or 60% out-of-network.
     5. in-patient/out-patient prescription medication coverage of $1,000 or more.
     6. Repatriation coverage of at least $25,000 to provide for the return of your remains to your native country should you die in the United States.
     7. Medical evacuation coverage of at least $50,000 to permit you to be transported to your home country and to be accompanied by a provider or escort, if directed by the physician in charge.
     8. a deductible of no more than $50 per occurrence if treatment or services are rendered at the FSU Wellness Center and no more than $100 per occurrence if treatment or services are rendered at an off-campus ambulatory care of hospital emergency department facility.
     9. at least $200,000 for covered illnesses/injuries per illness or accident per policy year.
     10. Your plan cannot exclude coverage of pre-existing conditions for more than the first six months of the policy period.
     11. Your insurance carrier must have an "A" rating or above per Federal Regulations.
     12. Claims must be paid in US dollars payable on a US financial institution. Your carrier must have a US claims mailing address.
     13. Your policy provisions must be available from the insurer in English.
     14. Your policy cannot unreasonable exclude coverage for perils inherent in your program of study. That means that if your studies involve, for example, working with chemicals, your policy cannot exclude coverage for injury due to exposure to chemicals in the laboratory. If your program of study requires scuba diving for oceanographic studies, scuba diving cannot be excluded from coverage. If you will be working with laboratory animals, your coverage cannot exclude coverage for exposure to the laboratory animals.
     1. If you will NOT be purchasing the student health insurance available through Florida State University:
        • Verify with your prospective insurance company that the coverage you want to purchase will meet all of the requirements listed in paragraph 2 above BEFORE you make any payment for the policy. Understand that there is more to insurance than the premium price. Look at the benefits the plan will provide.
        • Complete the waiver. You will have to answer questions and provide information about the policy you have purchased.
        • Your policy must cover you for the entire time you will be a student at FSU including holiday and summer breaks, even if you will be going to your home country for the breaks. Your insurance must begin and end according to the dates shown on the Waiver and Coverage dates chart.
        • FSU, University Health Services and the Health and Wellness Center are not responsible for loss of premiums for non-compliant insurance policies or loss of academic privileges due to inaccurately completed waivers.
     2. If the insurance you will be using is dependent coverage from your spouse's employer-paid plan, you may not have the coverage required for medical evacuation or repatriation of your remains as outlined above.
        • Evacuation/Repatriation coverage may be purchased from UCHSR at their web site: www.uhcsr.com/fsu or from another carrier of your choosing.
        • Dependents on J visas must also have this coverage.
        • When this coverage is purchased, send a copy of the confirmation letter from the insurance carrier to healthcompliance@fsu.edu. Your insurance waiver will then be cleared.

     Waiver Information

     1st time at FSU? Click here to follow our online tutorial.

     Scholarship Athletes

     1. The student health plan does not cover participation in intercollegiate athletics.
     2. Scholarship Athletes contact Nick Pappas at 850-645-2700 for the insurance waiver.
     3. Walk-on athletes contact Nick Pappas at 850-645-2700 for insurance purchase information.

     Waiving your insurance and using your insurance for care: There is a difference between the requirement to show proof of health insurance in order to be able to register for classes at Florida State University and using health insurance to pay for care rendered at University Health Services.

     If you use Medicaid or Medicare to complete your waiver understand that the Wellness Center is not a Medicaid or Medicare provider. If you come to the Wellness Center for care you must either pay for service on the date it is rendered or defer those charges to your account at Student Business Services. You can then file your own claims for reimbursement to your Medicaid or Medicare provider. Medicaid from other states CAN ONLY be used if the student submits a letter from the providing state verifying that coverage is valid in Tallahassee.

     If you use HMO insurance or PPO insurance for your waiver that is not in-network at the Wellness Center, understand that you can expect to incur greater out of pocket expenses for your health care in the Tallahassee area. The Wellness Center will, as a courtesy, bill your insurance carrier for services received at the Wellness Center. Billed charges not paid by your carrier will be balance billed to your account at Student Business Services for payment.