In order for an insurance plan to meet the Emory University mandatory insurance waiver criteria, the insurance plan must feature all of the following:

• The individual plan deductible is no more than $2,500 per insured per year or $500 per illness. If my plan exceeds the $2,500 deductible maximum, I can provide proof of a Health Savings Account (HSA) if required, that will allow me to seek needed medical and mental health care when recommended by a healthcare provider and will cover all deductible expenses over $2,500. The plan provides unlimited annual and lifetime benefits (i.e., no policy maximum)
• The plan provides prescription drug coverage
• Cannot exclude or limit coverage for pre-existing conditions
• The plan must have 100% coverage for preventive care, including vaccinations, in Atlanta, GA and surrounding areas.
• My plan provides coverage for both emergency and non-emergency inpatient and outpatient medical (laboratory, diagnostic services, primary and specialty care, and physical therapy included) and mental health care in Atlanta, GA or the surrounding areas.
• The insurance plan must cover at least 75% of usual and customary charges in Atlanta, GA and surrounding areas. The plan may not contain specific limitations for the treatment of medical conditions relative to standard hospital or outpatient care. For example, an insurance plan that has limited coverage of hospital room and board to $500 or limited coverage of ambulance costs to $350 would not be acceptable.
• The insurance coverage is not through a medical cost sharing or co-op type program.
• The plan has a U.S. based claim administrator, a U.S. telephone number and address for submission of claims, and the policy is issued in the U.S.
• Oral contraceptives must be covered at 100% of usual and customary charges in the Atlanta, GA. area.
• The insurance plan must cover both inpatient and outpatient mental health treatment and must cover treatment for substance abuse (both alcohol and drug abuse).
• The plan is currently active, and you agree to maintain health insurance throughout the policy year, i.e. through the end of this year’s enrollment term at Emory.  If you lose coverage, you must notify Emory immediately.