|*Between June 1 and June 15, check your Tulane email for your health insurance options to enroll in or waive T-SHIP signaling the opening of the T-SHIP enrollment/waiver process. United Healthcare Student Resources will send T-SHIP Enrollment announcements. Gallagher Student Health & Special Risk will send T-SHIP Waiver announcements. Reminders are sent until you complete the process.|
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.
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.**
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:
No less than 90% coinsurance and has a maximum deductible of $250.
Comprehensive plan information is provided in English.
A United States claims payment office and United States telephone number.
Direct payment to providers.
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.