Health Insurance

Haverford College requires all full-time students maintain health insurance coverage throughout the academic year. Having a health insurance requirement protects students from unexpected high medical costs and provides them with access to quality care.

Haverford College will automatically enroll any eligible students into the school-sponsored Student Health Insurance Plan (SHIP) each academic year that does not complete an insurance waiver. A waiver is offered to students who already have health insurance coverage on their own or through a parent/guardian, as applicable.

Billing/Cancellations/Refunds

Each year, all students are automatically billed the SHIP premium charge by the Controller's Office. Please allow 3-5 business days to see the SHIP charge removed from the tuition bill. If you have any questions regarding SHIP billing, please contact Avery Thomas.

Once you are enrolled in the plan, there are no refunds or cancellations after the deadline, except for ineligibility or entry into the armed forces. The Policy is a Non-Renewable One-Year Term Policy and does not guarantee enrollment in the next policy year.

Insurance Disclaimer

If you choose to use your own health insurance, it is important to determine the adequacy of your health care plan for the Metropolitan Philadelphia Area. Additionally, if your coverage is with an HMO, please know that Health Services is unable to provide a referral to a specialist. If services out of your geographical area are not covered, such as “out of state” Medicaid plans or Kaiser Permanente specifically you may want to think about obtaining the Haverford College sponsored plan. More detailed information is available for review at www.firststudent.com.

We ask that all students, along with their families/guardians, make a careful and informed decision about your health insurance needs. Your good health, well-being, and academic success are important to all of us at the Student Health Center. If you have questions or require further information, please contact customerservice [at] firstriskadvisors.com.

Insurance Options

• UnitedHealthcare Student Resources (SHIP) is an operating division of UnitedHealth Group, the largest single health carrier in the United States. Policies are administered yearly (Aug 1. – July 31.)
• Compass is Pennsylvania's Medical Assistance program, providing you and your family with many health care options. Medicaid is available for college students residing in the state of Pennsylvania for more than 30 consecutive days. PA may require a letter verifying your full-time status for Medicaid applications.
• Pennie is Pennsylvanian's insurance marketplace and provides individuals and families with the ability to shop for high-quality health care plans and easily apply for financial assistance.
• Employer plans (for eligible employed students) are a great option for those who do not have a high deductible and have in-network coverage in the Philadelphia metro area.

Student Health Insurance Plan (SHIP)

The Student Health Insurance Plan (SHIP) will continue to be provided by UnitedHealthcare Student Resources ("First Risk"). The plan is ACA compliant and includes access to a national network of health care providers. You can easily search for in-network providers from the UHCSR school page, My Account or UHCSR Mobile app.

Call First Risk at 1-800-505-4160 between 7 a.m. and 7 p.m. CST with benefit or claim questions, change of address, to request a new ID card, receive assistance with "My Account", or for general questions. Students can send a message to First Risk with questions about waivers, enrollment, or life status changes. These questions will receive a response within 48 to 72 hours.

All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student or dependents will no longer be eligible to enroll in the plan, until fall of the following school year. Please contact FirstRisk to process your Qualifying Life Event.

Eligibility for Enrollment

Haverford College will automatically enroll any eligible students into the school-sponsored SHIP each academic year that does not complete an insurance waiver. Students must register for classes in order to complete the Enrollment or Waiver Process. All registered International students are required to purchase SHIP at registration and the premium for coverage is added to their tuition bill. International students do not have to enroll or waive SHIP, they will be automatically enrolled. Action is required to upload the insurance card to the HaverHealth Portal by September 2, 2022.

Cost and Benefits

Fall SHIP Rates

• Dates of Coverage: 8/1/22-7/31/23
• $2,250

Spring SHIP Rates

• Dates of Coverage: 1/1/23-7/31/23
• $1,307

Certificates, Flyers, and Summary of Benefits & Coverage (SBC)

• Certificates, Flyers & SBC

Enrollment/Waiver Process

To complete the Enrollment or the Waiver process, please go to firststudent.com, select Haverford College, click on either the Enroll Now - Health Insurance or the Waiver Your School's Health Insurance button and follow the directions. Once you are enrolled in the plan, there are no refunds or cancellations.

Hard Waiver Students

Open Enrollment Periods for all Dependents and Hard Waiver Students: If you are a hard-waiver student and you fail to waive coverage before the September 2, 2022 deadline, you will be enrolled automatically and responsible to pay Haverford College for this annual coverage that was purchased on your behalf.

If you have eligible Dependents in the fall or, are a student in the fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Fall Enrollment Deadline of September 2, 2022, your Dependents or you, will not be eligible to enroll again until the start the next fall unless you experience a Qualifying Life Event (QLE) during the year.

*For new students in the spring semester, your open enrollment deadline is February 1, 2023.

A waiver is offered to students who already have health insurance coverage on their own or through a parent/guardian, as applicable.

Insurance Card Requirement

Students insured with SHIP will receive emailed instructions on how to create a "MyAccount" and access their electronic ID card. From their MyAccount at www.firststudent.com website, ID cards can be downloaded, faxed, emailed or printed.

Upload the insurance card to your HaverHealth Portal by September 2, 2022 to avoid the $75.00 late fee.