Health Insurance Requirements
In order to waive out of the Macalester-offered United Healthcare Student Resources (UHCSR) insurance plan, students must be able to provide necessary documents that their personal health insurance meets the following requirements, which are in compliance with the requirements of the Affordable Care Act (ACA) while in Minnesota.
- provides unlimited coverage while in Minneapolis/St. Paul area or when traveling throughout the US.
- provides access to local doctors, specialists, hospitals, and other healthcare providers in Minneapolis/St. Paul area or when traveling throughout the US for emergency and non-urgent situations.
- provides coverage for inpatient and outpatient hospitalizations in the Minneapolis/St. Paul area or when traveling throughout the US.
- provides coverage for lab work, diagnostic x-rays, ambulance services, prescription medications, and athletic injuries in Minneapolis/St. Paul area or when traveling throughout the US.
- provides coverage for injuries sustained while under the influence of alcohol or other drugs. Emergency-only coverage does not satisfy this requirement.
- provides coverage for inpatient and outpatient mental health, substance abuse, and detoxification in the Minneapolis/St. Paul area or when traveling throughout the US; covers expenses related to self-inflicted injuries and suicide.
- 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.
- covers pre-existing conditions (illnesses or medical conditions that began before the effective date of the insurance coverage) with no waiting period (or the plan must have been in effect long enough that any waiting period has already passed).
- no overall maximum dollar limit (per insured person, per policy year)
- please note that travel insurance is not eligible for an exemption or waiver. Students with out-of-state Medicaid plans are asked to consult with Macalester’s insurance specialist, Nicola Michael-Tsai [email protected]
- please note that some regional HMOs do not meet Macalester’s requirements and will not be considered valid waivers.
Updated October 2023 Nicola Michael-Tsai