There is so much about healthcare provisions on campus that just don’t seem to make sense! As our healthcare campaign has been growing, we have also been trying to collectively figure out stuff, beginning with updating the GSU Survival Guide over summer. On November 18th, 2015, two GSU members on the Student Health Advisory Board wrote to Dr. Alex Lickerman, then Assistant Vice President of Student Health and Counseling Services, and Ms. Marcy Hochberg, then the university’s insurance coordinator. They asked a number of questions that had come up in the course of GSU’s organizing and research. We share below Dr. Lickerman’s response, with his answers listed under each question asked.
- Should anyone wish to waive USHIP, the deadline for submitting proof of alternative insurance is 23rd October. However, since every grad is expected to have insurance from the first day of the quarter (“Active coverage from the day the student arrives on campus through either August 31, 2016 OR the end of their academic program (whichever comes first).”), it appears that this year, the insurance coverage must have begun on approximately September 28th. In effect, this would imply that a student must buy a plan that is valid starting September 1st, and therefore the actual deadline for students purchasing an insurance plan on the ACA exchange would be August 15th. Is this correct?
Many marketplace plans (but not all) begin on the first of the month. However, because it is still before the deadline and around the beginning of the start of classes, we accept plans beginning October 1st to waive U-SHIP coverage. Many other alternate private plans begin coverage on the date when payment is received. Therefore, there is greater flexibility in alternatives than solely what is available through the marketplace (and in point of fact, many international students do not review those plans, because they are not eligible for subsidies.) Although we want students to have coverage from the time they arrive, we do try to allow students time to review requirements and research alternatives. Thus, as long as they can show active coverage by the U-SHIP deadline, they can waive successfully through the online system. Obviously, depending on which plans they are reviewing, the providers may place some constraints on application times, as far as when coverage commences.
Since open enrollment begins every year on July 1st, and students have almost 4 full months to consider alternatives, and 2 months from when U-SHIP actually expires to apply for plans on the marketplace — although they can submit an application sooner, indicating that their coverage will terminate on Aug. 31 – we feel there is a generous amount of time provided to research marketplace plans.
- The university announced over email last December (12/23/2014) that 6th and 7th year PhD students “who are at candidacy” would have their health insurance premiums funded. What happens to students who are not ABD by their 6th year? Do they entirely forfeit eligibility for health insurance coverage in the 6th and 7th years? Or, do they forfeit it only until they achieve ABD status? That is, if a student is not at candidacy by the beginning of their 6th year, but defends in Winter of the 6th year (for example), would they have forfeited their entire 6th and 7th year insurance coverage? Might it be possible to clarify if there is any university policy about this, or if this decision is left to the discretion of certain individuals? And further, is there any policy guidance on what kinds of criterion can lead to one being excluded from this coverage? Does one’s department have any say in this matter?
This inquiry should be directed to UChicagoGRAD and the Deans of Students offices. Student Health & Counseling Services administers U-SHIP but does not determine how funding is provided for graduate students, including for student health insurance.