Insurance – Termination Policy

Termination

Coverage terminates the day prior to the first day of classes for the spring semester for students who:
• Graduate in December
• Withdraw from the University after the fall Census Day
• Are academically suspended after the fall Census Day, or
• Otherwise, lose eligibility as describe in the Plan Brochure

Coverage terminates the day prior to the first day of class for the fall semester for students who:
• Graduate in May, Summer I or Summer II
• Withdraw from the University after the spring Census Day
• Are academically suspended after Spring Census Day, or
• Otherwise, lose eligibility as described in the Plan Brochure.

Refunds
Refunds for the cost of coverage will only be made upon the entry of any covered person into the armed forces of any country. A prorated refund will be returned to such person upon written request.

Coverage after graduation

If you need coverage after graduation, you have several options:

  1. Coverage with an employer.  If you are starting a new job that offers health insurance, check with your employer to see what you need to do and when to enroll.

  2. Coverage under parent's health insurance.  Because your SHIP coverage ends on August 20,  2017, this can be considered a qualifying event, which may allow you to obtain coverage under your parent's health insurance if you are under age 26.

  3. Explore coverage options through a reputable online source, such as Connectforhealthco.com or a major health insurance carrier that offers Individual Health Insurance policies

Please note: When considering an exchange plan, specifically ask when your new health insurance coverage will start. To avoid any potential gaps in coverage if you choose a plan on HealthCare.gov or a private exchange, you may need to enroll by July 1, 2017, for a plan that will start on August 1, 2017.

Also, when enrolling with another health insurance company or through an exchange, you may be asked to provide documentation showing when prior health insurance coverage ended. Contact United HealthCare Student Resources at 866.458.4954 for a “certificate of coverage”. This will show the effective dates for the 2016 policy year for the SHIP.  UHCSR will email or mail you this form. Please call to request a certificate of coverage (also known as a notice of termination) to use with another health insurance carrier.

As you plan ahead to ensure you have coverage after your coverage ends, before you buy any plan, carefully review the medical and prescription drug benefits offered, the list of in and out of network of providers, and how much you should expect to pay out of your pocket in the form of deductibles, copays, or coinsurance.

If you have any questions, please contact our office by email at ship@mines.edu, by phone at 303-273-3388, or in person in Room 207 of the Wellness Center at 1770 Elm Street, Golden CO 80401.

Contact Us

Kathy Ebeling
Student Health Benefit Plan Coordinator
Student Wellness Center, #207
303-273-3388
ship@mines.edu