Student Educational Benefit Trust (SEBT)
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If you have creditable health insurance that meets the University requirement, you may waive out of this plan by completing the online waiver application by the given semester deadline. A new waiver must be submitted each academic year. Waiver applications will not be accepted after the deadline. Students who have previously waived out of the Student Health Insurance Plan can re-enroll within the first 31 days of registration.
For questions about the waiver process, please contact the University Health Center at (443) 885-3236.
What to consider before you waive out of this plan?
Students who waive agree to accept full financial responsibility for hospital, laboratory, physician, diagnostic testing and other medical costs not covered by their insurance plan.
The following type of plans will not meet the waiver requirement:
1. An out-of-state Exchange, Medicaid, or Managed Care Program (i.e. an HMO or PSN) will only be considered if it offers in-network coverage within the Baltimore area.
2. Plans that offer emergency only benefits.
3. The plan has no in-network providers within this area.
4. Plans with limited coverage outside of your home state.
Students with Medicaid who are interested in the student insurance plan may wish to address concerns about cost with their school’s financial aid office.
Medicaid Waiver Requests
Because Medicaid typically offers ‘emergency only’ coverage for students studying outside the state, the coverage may not meet benefit criteria for schools that require students to carry health insurance. This is especially problematic for students who are studying outside of their home state. Moreover, Medicaid-covered students studying at in-state institutions that are located in rural areas with limited health care provider networks may also be negatively impacted due to lack of access to mental health providers or specialists.
Any student with active Medicaid coverage may request a waiver of the University’s student insurance requirement. Waiver requests from students with in state Medicaid will be approved. Requests from students with out-of-state Medicaid coverage will be considered. All waiver requests are submitted online are evaluated on an individual basis.
When making their waiver decisions, all Medicaid-covered students should consider the gaps in coverage they may experience while attending the University; for instance, travel abroad or anywhere outside their home state.
Foreign state government plans DO NOT meet this requirement. Medicaid-covered students may not be covered while traveling outside of the state. In addition, referral options for students on Medicaid needing specialist’s care off campus may be limited.
Students with Medicaid from outside may not have coverage outside of their state of residence and may need to return home for on-going treatment. Students with Medicaid who are interested in the student insurance plan may wish to address concerns about cost with their school’s financial aid office.
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