Students may petition to waive the SMIP if the following criteria are met (“policy” and “plan” below refer to the plan the student will use in lieu of the SMIP):
- The student does not hold an F1 or J1 visa.
- The claims administrator of the plan is based in the United States and has a U.S. telephone number and address for submission of claims and the insurance policy has not been issued outside the U.S.
- The policy is not a traveling policy.
- The plan provides both emergency, non-emergency, routine health care and mental health benefits in the Durham, NC area to include Duke Medicine.
- The plan provides inpatient and outpatient mental health care (with at least 30 visits per year) and chemical dependency benefits are comparable to the coverage provided by the Duke SMIP.
- The plan provides coverage for prescription medication.
- The lifetime benefit is at least $500,000 or more.
Out-of-state Medicaid and state Children’s Health Insurance Plans, HMOs, and Kaiser Permanente plans do not cover non-emergency care in Durham and DO NOT qualify for a waiver.
Please contact your medical insurance carrier to confirm that your insurance covers non-emergency care at all Duke Medicine Clinics and that you have a deductible small enough to allow you to afford your portion of the bill.
International students holding an F1 or J1 visa may not waive the SMIP. Please note that traveling insurance or medical insurance policies issued from your country of origin or outside the U.S. will not be acceptable as means to waive the Duke SMIP.
In addition to waiver approval by the automated system, please note that all waiver requests will be reviewed by a Student Health representative. If the waiver submitted does not meet the waiver criteria, you will be enrolled in the SMIP.