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Campus Health offices will be closed for Memorial Day on Monday, May 28, 2018. Regular business hours will resume on May 29.

Health Insurance Requirements

Who is required to have health insurance?

All new and returning students who are degree-seeking and or Tulane University-sponsored in J-1 status are required to have adequate health insurance – either through the Tulane-sponsored health insurance plan (T-SHIP) or a comparable health insurance plan based in the United States. This requirement also applies to degree-seeking students who may live off campus, participate in out-of-town internships, or study abroad for any length of time during the academic year. 

Health insurance action is required by every student, every year.

A charge for T-SHIP is placed on your tuition bill annually. This charge and coverage by T-SHIP may be waived if you provide adequate proof of coverage under another health insurance plan by the posted deadlines. Courtesy waiver/enrollment reminders with dates are sent to your Tulane student email account.

**IMPORTANT: If you do not take action to enroll in or waive T-SHIP prior to the deadline, you will be automatically enrolled into T-SHIP and responsible for the full premium amount. You will be unable to cancel coverage for any reason.**

T-SHIP Waiver Requirements

Review this benefits comparison chart to see how your insurance measures up with T-SHIP. If your plan meets the following requirements, please refer to these step-by-step waiver instructions (PDF) to submit your insurance for verification.

Requests to waive T-SHIP may be granted with demonstration of comparable insurance that:

  1. Is provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. telephone number.
  2. Will be in force for the duration of the academic year, or until the student’s program ends.
  3. Provides coverage for health care where the student is attending classes (whether on a Tulane Campus or elsewhere). The plan must include:
  • Unlimited annual and lifetime benefits (i.e. there is no policy maximum).
  • Non-emergency/urgent care in the New Orleans area. 
  • Emergency and follow-up care in the New Orleans area.
  • Coverage for club sports. (This requirement does not apply to NCAA competitive sports.)
  • Coverage for the entire academic year while attending Tulane.
  • Pharmacy benefits.
  • Mental health benefits.
  • Coverage of pre-existing conditions without a waiting period (some examples may include: heart disease, renal failure, cancer)
  • International students in F-1 status sponsored by Tulane University and all international students in J-1 status sponsored by Tulane University have additional minimum waiver requirements for acceptable alternative coverage. ADDITIONAL requirements for international students are as follows:
    1. No less than 90% coinsurance and has a maximum deductible of $250.

    2. Comprehensive plan information is provided in English.

    3. A United States claims payment office and United States telephone number.

    4. Direct payment to providers.

    5. Medical evacuation benefits of at least $50,000.

    6. Repatriation benefits of at least $25,000.

Please note, the following plans do not typically meet waiver requirements: Kaiser Permanente, most state-specific HMO and PPO plans, Tufts Health Plan, and Fallon Health Plan.

*Gallagher Student Health & Special Risk provides verification that insurance requirements are met; they are not an insurance broker for the University and are paid a flat rate to evaluate all submitted waivers. Gallagher does not receive any benefits for enrolling students into T-SHIP.

Please by the posted waiver and enrollment dates. Refer to the frequently asked questions for further details.