Students can opt out of the purchase of the OU Student Health Insurance Plan if they have OTHER acceptable coverage. If you have coverage from another source, you MUST opt-out with your proof of coverage. Proof of coverage can include a valid copy of the front and back of your medical insurance card or a Letter of Coverage from your medical insurance provider stating you are a covered member of the plan.
Any HSC student who has coverage as an employee or dependent on the OU Employee Group Health Plan, other employer-sponsored ACA-compliant group health plan, Tribal coverage, Military coverage, or SoonerCare will be deemed to have acceptable forms of insurance coverage. Your Opt-out waiver will be approved.
Students must purchase Needle Stick coverage to upload into Complio if utilizing the Opt-Out Waiver. Proof of purchase includes the student's name, type of coverage, beginning and end dates of coverage, and amount paid. The front and back copy of the Needle Stick card is not acceptable proof of coverage.
Deadlines vary each enrollment period. The COD’s deadline is BEFORE the campus deadline. If the COD’s deadline passes and you have NOT opted out or purchased the Student Health Insurance plan, you will have instruments held, chart locks applied, or be removed from class/clinic.
Frequently Asked Questions:
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Where do I go to submit my waiver?
Domestic students can complete their waiver here: https://www2.academichealthplans.com/school/5002.html
International students can complete their waiver here: https://www2.academichealthplans.com/school/5007.html
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What is my waiver site password?
Unless you previously changed it, your password is your 8-digit date of birth in MMDDYYYY format.
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How often do I have to submit a waiver?
All students enrolled in OU Health Sciences Center (OUHSC) programs are responsible for maintaining health insurance and providing coverage information each semester or trimester of enrollment in their programs. If you attend Fall, Spring, and Summer semesters, you will submit three waivers. If you attend Fall and Spring, you will submit two waivers.
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What is the waiver deadline?
Each semester has its deadline. The fall semester is in August, the Spring semester is in January, and the Summer semester is in June. Visit https://ouhsc.myahpcare.com/waiver for the timeframes and deadlines for each semester. Submit your waiver ONE WEEK before the deadline indicated in case you need to upload additional documentation before the site closes.
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How long does it take to receive notification that my waiver was approved?
A separate email as to whether your waiver request has been approved or denied will be sent from Academic Health Plans within seven business days.
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Should I wait until the last minute to complete my waiver?
NO. Complete your waiver as soon as possible. If you need to supply additional paperwork to show compliance, you will have plenty of time. If your insurance coverage is not compliant, you will need to purchase the OU Student Health Insurance Plan or coverage through the Healthcare Marketplace Insurance before the deadline. If you have trouble signing in, let Student Affairs know as soon as possible.
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What happens if I do not complete my waiver or purchase insurance before the deadline?
The system automatically closes and you will not fulfill your OU Board of Regents requirement for enrollment, therefore, you will not be able to attend classes or clinic.
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Do I upload my medical insurance information into Complio?
The ONLY time you will upload any medical insurance information into Complio is if you are enrolled in the OU Student Health Insurance Plan to satisfy your Needle Stick Coverage requirement. Otherwise, you will only upload your receipt for Needle Stick Coverage. Either receipt must display your name, plan purchased, member ID, coverage beginning and end dates, and amount paid. Copies of the front and back of your insurance card are NOT acceptable as proof of coverage.
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I have medical insurance already, what do I need to upload as my proof of coverage for the waiver system?
You will need to make sure that your medical card has your name listed. If your name is listed, then you can upload a front and back copy of the insurance card. You may be asked for a Letter of Coverage and a summary of plan benefits from your insurance company. This information can be found on most insurance company’s patient portals. If your name is not listed, you will either need to get a new card with your name on it or ask your insurance carrier for a Letter of Coverage stating you are covered under that policy. Medical coverage policy must be a) active on, or before, the first day of classes, b) list coverage dates until the end of the semester, c) be printed in English, and d) quoted in United States currency.
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I have military or Veteran’s insurance, what can I upload as my proof of coverage?
You can submit a front and back copy of your military ID and your Social Security card as your proof or you can ask your insurance carrier for a Letter of Coverage stating your policy is in effect.
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I have Tribal coverage, what can I upload as my proof of coverage?
You can submit a front and back copy of your Tribal ID, CDIB card, or a Letter of Coverage from your tribe stating you have coverage and a front and back copy of your Social Security card.
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I have a Health Sharing Plan; is this acceptable medical coverage?
No. Health Sharing Plans are not compliant with ACA coverage. You will need to purchase the OU Student Health Insurance Plan or another plan through the Healthcare Marketplace.
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What do I do if my insurance card is in my maiden name and I haven’t changed it yet?
You will need to upload your marriage license with your proof of medical coverage. Be sure to save all of your documents with the last name that you are enrolled with before uploading.
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If my deductible is too high, will my waiver be denied?
Medical coverage must be comparable to the HSC student health insurance plan including a $1000 or less deductible for Domestic students or a $500 or less deductible for International students plus have a similar benefit model.
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What are some other reasons why my waiver would be denied?
Medical coverage must meet the Minimum Essential Coverage as required by the Affordable Care Act (ACA) such as
a) no exclusions for pre-existing conditions
b) preventive care and women’s health care as required by the ACA covered at 100%
c) no annual or lifetime limits.
Healthcare-sharing groups do not meet the requirements for acceptable alternative health insurance. Membership in a healthcare-sharing group will not be accepted for waiver approval. You will then need to purchase the OU Student Health Insurance Plan or a comparable plan through the Healthcare Marketplace.
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I tried to log in to complete my waiver and got a message that “my school had not authorized me to fill out this form”; what should I do?
Please refer to the email sent out by Student Affairs titled Student Health Insurance & Waiver Information. Although you may be currently enrolled with the COD, you will not be able to access the waiver system until the new term activation date. This date varies by semester but it will be listed within the email from Student Affairs.
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The waiver site is asking for proof of my insurance; what does that mean?
You will need to supply them with a copy of the front and back of your insurance card but your name must be on it first. If the insurance card does not contain your name, you can either get a new card sent to you or get a Letter of Coverage from your insurance carrier as proof. The waiver site can also ask you to provide a Summary of Medical Benefits.