Opt-Out/Waiver

The Spring 23-24 waiver deadline ended 01/26/2024. The online waiver system can no longer accept new waiver requests.

All are automatically enrolled in Colorado School of Mines’ (CSM) Student Health Insurance Plan (SHIP). The insurance charge 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, Colorado School of Mines requires that students provide evidence of coverage that meets University requirements (see below). Please be advised that the waiver request will be reviewed for compliance and verified active with the insurance carrier. Notification of acceptance or rejection of waiver requests will be sent to students' Mines email addresses within seven business days.

Domestic Students and Athletes

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

1. Medical coverage must be active.
2. Medical coverage must have a lifetime maximum benefit of at least $2,000,000 (with no yearly or per condition maximum benefit that would reduce coverage).
   • Contains no exclusions (or waiting periods) for pre-existing conditions.
   • Includes prescription drug benefits (prescription discount cards will not be accepted as coverage).
   • Includes mental health care benefits of at least 20 outpatient visits for mental health care services and at least 30 days of inpatient mental health care services, including emergency psychiatric admissions.
   • Individual annual out-of-pocket maximum of $9,100 or less.
3. Plan provides in-network coverage in the Denver metro area.

If your plan meets the above criteria and you wish to waive enrollment from the Student Health Insurance Plan, please acquire an electronic copy of the front and back of your insurance ID card  (If further information is needed, you may be asked to present a copy of your full insurance policy This document is a multi-page document that provides a detailed description of the plans deductible amounts, copays/coinsurance amounts and percentages, hospital benefits, surgery benefits, mental health benefits, etc.). Select the appropriate link below to submit your waiver request. Once you login, select the ‘WAIVE’ button under the “I Already Have Insurance” section.

International Students

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

1. Student is sponsored by a government or embassy (They provide for your schooling and your insurance (U.S. Insurance), OR student is covered by a U.S. based employer.
2. AND Medical coverage must be ACA Compliant:
   • Provide the Essential Minimum Benefits required by the PPACA with no annual or lifetime limits. A list of the Essential Minimum Benefits can be found here: https://www.healthcare.gov/glossary/essential-health-benefits/ .
   • Contains no exclusions (or waiting periods) for pre-existing conditions.
   • Covers 100% of Preventive Care as defined by the PPACA. A list of these preventive services can be found here: https://www.healthcare.gov/coverage/preventive-care-benefits/
   • Includes prescription drug benefits (prescription discount cards will not be accepted as coverage).
   • Includes mental health care benefits of at least 20 outpatient visits for mental health care services and at least 30 days of inpatient mental health care services, including emergency psychiatric admissions.

NOTE: Travel plans are not acceptable.

If your plan meets the above criteria and you wish to waive enrollment from the Student Health Insurance Plan, please acquire an electronic copy of the front and back of your insurance ID card, your full policy document, and a scanned copy of your medical evacuation and repatriation coverage (if you have this coverage). Select the appropriate link below to submit your waiver request. Once you login, select the ‘WAIVE’ button under the “I Already Have Insurance” section.

Enrollment/Waiver Process Guide

AHP Waiver System - Student Training

Student Waiver Quick Reference Flyer