Postdoctoral Insurance Plan for NRSA Fellows

Waiving Out of the University of Pennsylvania Postdoc Insurance Plan

The University of Pennsylvania Postdoc Insurance Plan waiver standards are in compliance with the Affordable Care Act (ACA). All postdocs that already have a health insurance policy must demonstrate proof of insurance for themselves by submitting a waiver application on this website.

Please note: Medical evacuation of not less than $50,000 and repatriation (after death, removal of remains) of not less than $25,000 coverage is provided in the Postdoc Life Insurance plan; therefore, postdocs are not permitted to waive out of Postdoc Life Insurance plan.

Waiver Request Checklist

Please review your insurance policy or schedule of benefits to determine if your insurance policy meets the University of Pennsylvania’s waiver standards. Please answer the questions below in order to begin the online waiver application.

University’s Health Insurance Requirements		My Policy Covers this Requirement
1	Must be provided by a company licensed to do business in the United States, with a U.S. claims payment office and U.S. telephone number. The company must have a process to remit payments to providers within the U.S. Travel insurance is not acceptable Insurance that covers emergencies only is not acceptable	My Policy Covers This Yes No
2	Must provide preventative care and FDA approved contraceptives covered at 100% (for plans that have in-network/out-of-network providers, coverage at 100% for in-network providers only is acceptable)	My Policy Covers This Yes No
3	Must provide coverage for all pre-existing conditions with no limits for the coverage	My Policy Covers This Yes No
4	Must have a deductible not in excess of $500 per individual, per policy year	My Policy Covers This Yes No
5	Must provide coverage, in the Philadelphia metropolitan area, for hospital room, board, miscellaneous hospital expenses, physicians expenses in and out of the hospital, ambulance service, outpatient labs, x-rays and diagnostic tests without specific limitations for the treatment of medical conditions	My Policy Covers This Yes No
6	Must have an unlimited benefit for any illness, injury or pregnancy as per ACA guidelines	My Policy Covers This Yes No
7	Must have inpatient and outpatient mental health and substance abuse coverage. Must be covered as any other illness or injury	My Policy Covers This Yes No
8	Must have coverage for injuries or illnesses that occur as a result of alcohol, illegal drugs or as the result of an attempt to commit suicide and must be covered as any other illness or injury	My Policy Covers This Yes No
9	Must have prescription drug coverage with a minimum of $100,000 coverage per policy year	My Policy Covers This Yes No
10	Must offer worldwide coverage for emergencies (exemption from coverage in an international postdoc’s home country is acceptable)	My Policy Covers This Yes No

Check my waiver eligibility