University Health Services | Get Tested FAQ


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Insurance Waiver Standards


The Penn State Waiver Standards for the Penn State Mandatory Insurance Requirement are in accordance with the Affordable Care Act (ACA). International students that already have a health insurance policy must demonstrate proof of insurance for themselves (and any accompanying dependents: spouse and/or children) by submitting a waiver application to student health insurance.

Waiver Standards for International Students and Their Dependents

For international students and their accompanying dependents, a comparable health insurance plan will:

  1. US Carrier or entity approved to do business in the USA and ACA Complaint;
  2. 100% preventive care and contraceptive coverage (Preventive examinations, immunizations and screening tests, as required by the ACA and the State of Pennsylvania for Student Health Insurance Plans);
  3. Coverage for both accident and sickness;
  4. Coverage for pre-existing conditions with no waiting period;
  5. Deductible no greater than $500;
  6. Coverage for all essential benefits without a limitation;
  7. Pregnancy as any other illness or injury;
  8. Unlimited annual benefits;
  9. Inpatient and outpatient mental health/substance abuse as any other condition;
  10. No exclusions for injury or illness as a result of alcohol, drugs or attempted suicide;
  11. Prescription drug coverage with unlimited annual benefits;
  12. Worldwide coverage;
  13. $3,000 In-Network out-of-pocket maximum;
  14. $15,000/$30,000 Out-of-Network out-of-pocket maximum;
  15. OR U.S. employer sponsored health insurance in place of standards 1-14;
  16. And Medical evacuation ($100,000/Repatriation ($50,000) limits.

My comparable health insurance coverage will remain in force throughout the 2016-2017 academic year (August 10, 2016 - August 9, 2017). The coverage must be effective on the Penn State student health insurance plan effective date or the effective date of arrival to the United States (which ever date is later).

The waiver applicant must understand that they are responsible for payment of all fees for medical and mental health treatment not covered by their health insurance plan (including but not limited to deductibles, copays, coinsurance and the expenses above my policy maximums and benefit limits.) They must understand that some health facilities, including University Health Services, may require payment at the time treatment is provided. 

To Complete the Waiver Process

Waiver applications must be submitted on an annual basis each fall semester.

For yourself: Please complete the online waiver application through Aetna Student Health. You will need a copy of your current health insurance ID card and your health insurance brochure or plan description before you start the waiver. Your online application will be reviewed and you will receive an e-mail approving or denying your application from Student Health Insurance.

For dependents: Please note that international dependent waivers must be completed through the Student Health Insurance office. Students needed to come in to Student Health Insurance office to pick up the Fall Dependent Waiver Application Form and/or the Spring Dependent Waiver Application Form.



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