/********************2012年8月4日更新********************
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* 还不知道waive保险是怎么回事的请从头开始看帖，已经知道是怎么回事了的请直接看帖子最后！
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2012年开始保险要强制执行啦！不能像学长学姐们那样裸奔了，我们怎么办？
[温馨提示]学校保险自然有它的优势，要不要waive一定要根据自身情况慎重选择哦~ 版上有讨论，欢迎各位查看帖子！ 觉得自己身体超好暂时不想买保险的直接往下面看吧~
先来看看学校对此有什么说法：
1. Who is required have insurance?
If you are a Medical, Nursing, Health Science, J1 or
F1 International student, the University requires you to have medical
insurance.
2. Do I have to enroll in the GW Student Health Insurance Plan offered through Aetna?
- You may satisfy the insurance requirement through any private
plan that meets University criteria for coverage or through enrollment
in the GW Student Health Insurance Plan.
- Regardless of the coverage that you select, you must submit information about your insurance coverage each year. Visit Aetna Student Health to opt out of the Aetna Student Health Insurance Plan.
3. I have private insurance already. How can I determine if it meets the standards for alternative coverage?
Alternative coverage must meet the
following minimum standards:
GW Sample Waiver Criteria for International and domestic students:
- My
plan is provided by a company licensed to do business in the United
States, with a U.S. claims payment office and a U.S. phone number.
- My plan is currently active and I agree to maintain health insurance coverage throughout the entire 2012-13 academic year.
- My plan offers a
(lifetime/annual) minimum of at least $50,000 in coverage per accident
or illness each policy year and has prescription coverage.
- My Plan covers Pre existing
conditions with no waiting period or the plan must have been in effect
long enough that any waiting period has passed
- My plan covers inpatient and
outpatient medical and mental health care in the Washington, DC area.
Emergency only coverage does not satisfy this requirement.
International students only:
- My
plan provides at least $10,000 for medical evacuation and $7,500
coverage for Repatriation (repatriation provides transportation to your
home country in the event of death).
- Travel insurance is not eligible for waiver.
Please obtain a copy of
your plan’s benefits and review them to ensure your plan meets the
above criteria. The University may contact your insurance company to
verify that your plan meets the criteria.
【更新】上面的要求是student health service的，如果进入aetna给出的要求是这样的：
If you have health insurance coverage offered by the following:
- A scholarship or government sponsored
program that provides you with health insurance. (National health
coverage and/or travel insurance do not meet these criteria.); OR
- If you, your spouse or parent, has a United States employer who provides you with health insurance.
You may request an exemption from the GW Student Health
Insurance Plan. However, the plan you are enrolled in must provide the
following minimum coverage levels:
- Medical benefits of at least $50,000 per condition;
- Annual deductible that does not exceed $500;
- The policy is valid for the entire academic year
- Your insurance plan must also cover the following:
- Pre-exisiting Conditions
- Alcohol, Drug Abuse or Detoxification Treatment
- Self-inflicted injuries while sane or insane, or suicide.
International Students: In addition
to the above criteria, you are also requred to maintain coverage for
medical evacuation ($10,000) and repatriation ($7,500) back to your home
country if medically necessary.
就是说保险除了要保pre-existing conditions（下文会有详细解释），还要保饮酒、吸毒等上瘾情况和无论是否精神原因引起的自残或自杀，并且每年的deductible不超过500。
关于deductible的解释：每个病报销前你需要自费的额度，也叫co-pay。一般去学生保健中心的话不用交，去保险提供的医疗网点的话50美金以内你要自费，之后看病超过50块的部分保险才开始报销。每个保险关于deductible的部分都有自己的规定。
/************更新结束************/
4. How do I waive the GW Student Health Insurance Plan?
- All of the above students will automatically be enrolled, and the charge will appear on your student account bill ($2,199).
- Fall semester: $837.50
- Spring Semester: $1,361.50
- If
you want to waive the GW Student Health Insurance Plan, be sure to have
all of the information about your alternative coverage at hand.
- Opt-Out Here
5. What is the deadline for filing a waiver or application for enrollment?
- The online system is open from July 25, 2012 through September 30, 2012.
6. I am a Graduate Assistant. Will GW be providing $1250 toward the cost of the insurance plan?
- Contact the Office of Graduate Student Assistantships and Fellowships to determine if you qualify. You can email gradfell@gwu.edu or call 202-994-6822
7.
If I obtain acceptable alternative insurance and
want to cancel my enrollment in GWSHIP, how do I proceed and what are
the guidelines?
- You have until September 30, 2012 to cancel your enrollment.
- You must go to Aetna Student Health
- On the left side orange menu bar choose the link Medical Plan: Waive
总结起来似乎是这样：每年你都会被自动投保，学费账户里多八百多美金的秋季保险欠款，冬天的时候再多一千多的欠款，除非你在9月末前waive掉。具体方
法就是你要自己买一个符合第三条的美国保险，即该保险公司在美国有注册，每个病每年（或终生）有至少50000块的保额，涵盖投保之前就有的病（大多数保
险是不保pre-existing
condition的）能让你有病马上就能得到治疗、而不是等到出现某些症状达标了才能用保险治，然后保险可以用于DC地区的门诊、住院治疗以及精神治疗
（感冒发烧就能保险，不可以是紧急情况比如出车祸送医院了才给报销），提供最低10000美金的医疗转运回国费用和最低7500美金的遗体运送回国服务，
非旅游保险。
查了一下，以上几条大多数我以前推荐过的保险都能满足，但是唯独这一条不行：cover pre-existing
condition。保险分group和individual的，一般来说individual是不肯cover pre-existing
condition的，都要等待6~12个月后才行，比如大多数保险要投保一年后才会报销生孩子的费用；而学校提供的保险属于group
insurance，因此cover pre-existing condition。我能找到的可能提供cover pre-existing
condition服务的就只有这里了
http://www.insubuy.com/guide/pre-existing-conditions-coverage-visitors-health-insurance.jsp，大家自己搜索下，看看其他条件满足不。我就不查了，累死了....
【更新】
牙牙他姐Samanth提供的信息：
“我在ISO买了一个保险，点进去需要填写自己的个人信息，填了GW之后会自动冒出来一个
A GW University Plan, 我仔细看了一下，pre-existing
condition也是6个月以后才cover的。但既然policy上面写的是Conformity Plan for International
Students attending George Washington
University...应该可以吧？？？就我本科时候的经验，学校说是强制的，但其实根本不查，waive的时候也从来没有遇到过问题。”
目前的问题是：
“试图waive的时候填了GWid之后系统总说
We're sorry but the number you've entered does not match any number we
have on file. Please try again or if you feel this to be in error
contact Aetna Student Health Customer Service at 1-800-213-0579. The
Account Representative will be in touch with the University as needed.”
原因可能是：因为你是新生，还没报到所以那边还没收到你的个人信息，大概要等你过来学校报到过选过课了才行吧
有没有已经在校且买了这个保险的去试试？
【再次更新】很多人在研究ISO的那个保险，他家有好多种，我看到的其中一个版本似乎满足学校要求，25岁以下的话价格是74一个月，比学校的保险便宜很多，各位试试吧。下载地址见下方（积分高于1时可见）
华为网盘附件：
【华为网盘】 GWU_2012_2013.pdf (162.17K)
http://dl.dbank.com/c0not1pkau
【继续更新】感谢
@小球藻 在CSSA上提供的信息！
【最新劲爆消息！】还是由 小球藻 提供：首例非学校保险成功waive！！只要$904有木有！25岁以下的同学可以去买ISO的保险，已经成功waive掉学校的$2200！具体信息请看其本人发布的消息：
ISO保险Waive相关信息
http://www.hellogwu.com/forum.ph ... id=2345&fromuid=254
【2012-8-13】另有Cherry.同学提供的最新消息：
上个星期买的ISO GW的保险，今天看到ebill上面已经把800刀的保险费用给取消了，waive成功了
大家快去买吧！ISO要赚翻了！
具体如何操作请看阿酥酥的帖子最下方：
【转帖】小球藻之贡献一些今年保险政策小小研究{8.16更新已成功waive版}
http://www.hellogwu.com/forum.ph ... id=2088&fromuid=254
【2012-8-23】由@last_quarter 同学提供：
买了10个月conformity 100, 59刀一个月，同样waive成功~
也是ISO的一种，基本都跟GWU的PLAN差不多，最高保额略低，可以在ISO网站上找到
不过还是要再次提醒大家，学校的保险虽然贵，但是保障全面、无后顾之忧，希望大家全面衡量自身条件，慎重选择保险。跟学校保险相比ISO保险不好的地方请参看
helenpan同学的提醒
http://www.hellogwu.com/forum.ph ... 242&fromuid=254（字数太多就不引用了）
