This year Scripps College will again require that all students have health insurance. Students can either use their own health insurance plan, their parents’ or enroll in the Student Health Insurance Plan offered by The Claremont Colleges. If you are going to use your own health insurance plan, you will be asked to demonstrate proof of health insurance coverage and to waive out of SHIP. International students may not waive with insurance from their home country. If you elect to exercise the waiver option, your insurance must include all of the following elements*:
• Coverage must be continuous (no break or termination) for the entire academic year;
• Coverage must be effective prior to 8/1/15;
• Maximum lifetime benefit must be unlimited;
• Deductible must be $1000 or less ($2,000 per family) per policy year.
• Claims must be paid by a U.S-based company; and
• Underwriting company must be owned, operated, and headquartered in the United States and must be in full compliance with applicable federal laws.
* All of the above elements are included in SHIP.
You will need to complete a Waiver Application Form by July 17, 2015. The form is available at http://www.renstudent.com/Students/. Choose Scripps on the dropdown menu. A link to the waiver form can be accessed on the webpage, along with a link to a waiver FAQ.
If you do not waive out of The Claremont Colleges’ SHIP by the deadline, you will remain automatically enrolled, and a charge will appear on the student’s bill.
If you are going to use The Claremont Colleges’ Student Health Insurance Plan, you do not need to do anything at this point. You will be automatically enrolled in SHIP. Please note that all international visa students are required to enroll in The Claremont Colleges Student Health Insurance Plan.
The cost of the plan for 2015-2016 is $1,911. We are pleased to announce that this year’s SHIP plan is a “platinum” plan with increased coverage to 100% PPO/90% non-PPO (meaning that the insured student pays 0% coinsurance in-network and 10% coinsurance for out-of-network covered services). You can find more information about the SHIP plan on their website.
We encourage you to investigate your family insurance plan carefully. You might find that your family insurance plan does not cover services that are out of your geographic network and that, if your policy is in another state, it may not cover seeing a specialist in California. We encourage students to be enrolled in SHIP if they have out-of state coverage, or HMO or PPO coverage within a limited provider area. If you need assistance covering the cost of the SHIP plan premium, please contact our Office of Financial Aid at firstname.lastname@example.org or at (909) 621-8275. That office may be able to assist you with a loan to cover a portion of the cost or the entire cost, depending upon your need.
If you have questions or concerns regarding student health insurance at Scripps, have background information you would like to share, or questions about disability accommodation issues, we would very much like to hear from you. Please contact my office at (909) 621-8277.
We wish you a wonderful summer and look forward to welcoming you to campus in the fall.
Vice President for Student Affairs
and Dean of Students