International Students: Health Insurance Frequently Asked Questions

I am beginning my studies at Golden Gate University in the upcoming term. Am I required to have health insurance?

If you are studying at GGU on an F1 or J1 visa, you are required to have health insurance. You must either take part in the Kaiser Student Health Insurance Plan or provide proof of coverage through an equivalent health insurance plan by completing the Online Waiver Form by the deadline.

The deadline to waive out of the Kaiser Student Health Insurance Plan is always the tenth day of the term. For the Accounting and Tax cohorts' one-month plan, the waiver deadline is on the fifth day from the start of the fall term.

Do I have to complete a waiver application each term?

Yes - the waiver is only effective for the current term. If you would like to waive participation for the next term, you must complete another waiver application before the deadline for that term.

How do I apply for a waiver?

To waive plan participation, complete the Online Health Insurance Waiver Form as soon as possible, and prior to the waiver deadline, which is 10 days after the start of the term. We encourage you to make changes to your insurance (waive/enroll) before registering for classes. Please know that waiver requests can only be submitted once each term.

You can submit one waiver request every term starting on the following dates:

  • Summer 2016: March 1, 2016
What information is required to complete the waiver application?

You will need your insurance identification card as well as your current coverage information.

I do not have all the information to complete the waiver application. What should I do?

Refer to your current insurance Evidence of Coverage booklet. This booklet is provided by your insurance company and describes all of your benefits and the limitations of those benefits. If you cannot find your booklet, you may find it on the insurance company's website, or by calling your insurance provider.

How will I know if my waiver application has been approved or denied?

Your online submission will produce an instantaneous response. The last screen of the waiver application process will provide you with approval or denial information. You should save or print this screen for you records. You will also receive an e-mail with the decision.

If my waiver application is denied, what can I do?

If your waiver application is denied because your private insurance coverage is not sufficient, you will receive an instantaneous response that allows you to complete an online waiver appeal. Appeal applications must be received within five (5) business days of the date of denial. Appeals for denied waiver applications are accepted only for the current term. Retroactive appeals are not accepted. Please know that waiver requests can only be submitted once each term.

How does student insurance get billed to my student account?

The Student Health Insurance Plan is billed on a term-by-term basis. You will be required to pay for the insurance plan when you pay for tuition.

I will be taking a vacation term and will not be registered for any units during the upcoming term. Am I still eligible for insurance and if so how do I enroll in student health insurance? Do I need to waive out if I do not want coverage during my vacation term?

You are still eligible for GGU student health insurance during a vacation term. However, if you will not be enrolled in any units during your vacation term, you will not be automatically enrolled in the insurance plan during this term. To enroll in the health insurance during your vacation term, contact your International Advisor.

No action is necessary for vacation term students who do not want coverage through GGU's student health insurance plan during their term off, and who will be taking no classes during this time. However, if you plan on taking any classes during your vacation term, you will be automatically enrolled in the insurance plan unless you complete a waiver application and it is approved. If you have any questions about this, please contact your international advisor.

When can I enroll in the plan?

Unless you waive out of the plan, you will be automatically enrolled when you register for courses and your student account will be charged.

What are the coverage dates?

All Programs Spring 2016: January 1 - April 30 Summer 2016: May 1 - August 31

When will I receive my Kaiser ID card?

Identification (ID) cards will be sent out to the local address you have in your GGU4YOU account sometime between the fourth and the sixth week of the term. If you do not have a local address, your ID card will be mailed to the Graduate Advising Center. We will notify you if your card is ready for pick up at our office. If you need care before you have received your ID card, call Kaiser's Member Service Call Center at 1-800-464-4000, press the option for Member Services, and explain that you are a new student on GGU's plan and would like to know your Medical Record Number (MRN).

Is dental coverage included in the Kaiser Student Health Insurance Plan?

No, dental coverage is not included. You may view various, non GGU affiliated, options available through the student insurance division at Wells Fargo Insurance Services or discount plans through Delta Dental.

Is vision coverage included in the Kaiser Student Health Insurance Plan?

Yes, the plan covers vision exams for no charge. Kaiser Permanente members are also eligible for a 20% discount on eyeglasses and contact lenses purchased at Kaiser Permanente Optical Centers.

Are my dependents covered under the Kaiser Student Health Insurance Plan?

Coverage for your spouse and child(ren) is available for an additional fee. Please see the current health insurance brochure for fees and information. Dependents can be enrolled on a term basis from the date the student is enrolled in the plan or within 31 days of one of the following qualifying events: marriage, birth, adoption, or arrival in the U.S. To enroll a dependent, contact Wells Fargo Insurance Services by phone at 800-853-5899.

A newborn will automatically be covered for Injury or Sickness during the month of birth, or the mother's hospitalization if she is a Kaiser member, whichever is later. Coverage may be continued for that child when Wells Fargo Insurance Services is notified in writing within 31 days from the date of birth and by payment of any additional premium.

Will I be covered during OPT?

No. GGU's Insurance plan is only available to students during completion of your GGU program. After you graduate and your coverage ends for the term in which you graduate, you will need to purchase outside insurance coverage.

After I graduate, what options do I have for insurance coverage?
You can continue your coverage with Kaiser Permanente, but the plan will not be associated with Golden Gate University. There are a variety of plans to choose from and your premium will be based on your age and individual need. You may contact Kaiser at 800-464-4000, or visit their website to continue your enrollment after graduation and to learn more.
How do I find a Kaiser Permanente primary care physician or facility?

You can find a doctor by visiting where you can search by name, location or facility.

What if I have an emergency and cannot get to a Kaiser Permanente facility in time? Will I be covered if I receive medical care at another hospital emergency facility?

If you have an emergency medical condition, call 911 or go to the nearest hospital. When you have an emergency medical condition, Kaiser Permanente will cover emergency care anywhere in the world.

Does Kaiser Permanente have prescription coverage under this plan?

Yes, prescriptions are covered with a co-pay of $10 for generic and $30 for brand-name drugs.

If I need to see a specialist within Kaiser Permanente, what are my options?

You would have to obtain a referral from your primary care physician to see a specialist.

Health Insurance Brochures & Handouts
Whom do I call if I have a question?

If you have any questions about the Kaiser Student Health Insurance Plan, please contact the Graduate Advising Center at or 415-442-7800, or contact your individual advisor.

You may also contact Wells Fargo Insurance Services by phone at 1-800-853-5899 if you have questions about eligibility or would like to enroll a dependent in the plan.

If you have claims or benefit questions, please contact Kaiser Permanente at 1-800-464-4000 or visit

A fixed fee that you pay out of pocket at the time a medical service is rendered (e.g. visiting the doctor, obtaining prescription medicine). The insurance company pays the remaining costs.
Similar to co-pay in that co-insurance represents a shared cost between you and the insurer for a service rendered. With co-insurance, however, the amount each party pays is not a fixed fee, but rather, is a percentage of the total cost of the service. GGU's Kaiser plan mostly uses co-pays, but there are a few services that use co-insurance. One example is outpatient surgery, for which you would pay 20% co-insurance (after the deductible).
Annual Deductible

A deductible is a specific amount of covered medical expenses that you must incur and pay for out of pocket within one calendar-year before benefits are payable under the health insurance plan. The Kaiser Student Health Insurance Plan has an annual deductible of $500.

An example: Through GGU's plan, there is a $150 co-pay for ambulance services, after the deductible. This means that if you are transported by ambulance on January 1, 2015, and an ambulance ride costs $800, you will pay $650: $500 for the annual deductible, plus the $150 co-pay. If you need to be transported by ambulance again in 2015 (we hope not!), you will just pay the $150 co-pay this time, since you will have already paid the full deductible.

Please note that the deductible is waived for many services through GGU's international student insurance, such as preventative care, immunizations, and prescriptions.

Annual Out-of-Pocket Maximum

This is the maximum amount that you will pay for medical expenses in a plan year.

Maximum Lifetime Coverage

Some plans limit the total amount of money they will pay for your medical expenses during your lifetime. This will be listed in your insurance plan description as a "lifetime maximum" or a "maximum lifetime benefit" or "maximum benefit per condition."

Per Condition Maximum Benefit

This is the maximum amount an insurance plan will pay for a specific medical condition.

Emergency Care

Emergency care is generally provided through hospital emergency room services of local hospitals.

Urgent Care

If you have a medical issue that needs immediate attention but is not life-threatening, such as a cold, moderate fever, or infection, you can visit Kaiser's Adult Urgent Care on the 3rd floor of Kaiser's 2238 Geary Blvd. building, or try to schedule a same-day appointment with your primary care doctor through

Preventative Care

This includes annual exams with your primary care physician, gynecological exams, mammograms, immunizations, and well-child visits.

Medical Evacuation and Repatriation

These are benefits that are designed to aid international students under extreme medical circumstances. If a student is unable to continue an academic program due to a covered injury or sickness, this provides coverage for the student's transportation back to his/her home country. In the event of the death of an insured student, this covers preparation and transportation of remains back to his/her home country. GGU's student health insurance plan contains both medical evacuation and repatriation benefits through On Call International.

If you have purchased outside insurance coverage and are completing a waiver, please refer to your Explanation of Coverage booklet or policy for information regarding the terms of your coverage.