Graduate student subsidy while on Cardinal Care
On this page:
- Who will qualify to receive this subsidy?
- Will eligibility be determined on an annual or a quarterly basis?
- When will a student's subsidy appear on their account?
- What is the amount of the subsidy?
- Do graduate students who are employed in jobs that pay hourly wages qualify for this subsidy?
- Are co-term graduate students eligible for this subsidy?
- Will
Summer Quarter be treated any differently than other quarters for determining
eligibility?
- Will graduate students have to apply to receive a Cardinal Care health insurance subsidy?
Who will qualify to receive this benefit?
Certain students will qualify for the full benefit of the Cardinal Care
subsidy while others will qualify for the partial benefit.
The FULL benefit consists of a payment of 50 percent of the Cardinal Care premium.
The PARTIAL benefit consists of a payment of 25 percent of the Cardinal Care premium.
The following enrolled graduate students (who do not waive Cardinal Care and do not have an outside fellowship source paying the full cost of insurance) will receive the FULL subsidy:
- those with a Research or Teaching Assistantship appointment of 25% or more
- those with a fellowship paying a non-tuition stipend at or above the minimum salary for a 25% assistantship (CA or RA)
The following enrolled graduate students (who do not waive Cardinal Care and do not have an outside fellowship source paying the full cost of insurance) will receive the PARTIAL subsidy:
- those with a Research or Teaching Assistantship appointment of less than 25%
- those with a fellowship paying a non-tuition stipend at or above the minimum salary for a 10% assistantship (CA or RA)
Students not meeting the above criteria are not eligible for a Cardinal Care subsidy.
Will eligibility be determined on an annual
or quarterly basis?
Eligibility will be determined on a quarterly basis. Students will be
eligible based on the financial assistance they receive in a quarter.
When will a student's subsidy appear on
their account?
Students will see the subsidy payment on their account as soon as the
qualifying financial aid (e.g., the fellowship or assistantship appointment)
is approved. It will appear on the student's account as "anticipated
aid" until the start of the quarter and until the student has enrolled
in the appropriate level of units. Through the end of the third week
of each quarter, the subsidy may be withdrawn entirely or amounts adjusted
if the student's financial support is withdrawn or reduced.
The subsidy payment will be applied to the student's account in Axess presuming that: 1) the student is enrolled in Cardinal Care, 2) the student is enrolled academically, and 3) the qualifying financial support was approved prior to the end of the third week of the quarter.
What is the amount of this benefit?
The
FULL benefit consists of a payment of 50 percent of the quarterly Cardinal
Care Premium.
The PARTIAL benefit consists of a payment of 25 percent of the quarterly
Cardinal Care premium.
Do graduate students who
are employed in jobs that pay hourly wages qualify for this subsidy?
Student employees will qualify for the Cardinal Care subsidy if they have
either a Research or Teaching Assistantship (an RA or TA appointment). Other
student jobs on campus will not qualify the student for the Cardinal Care
subsidy.
Are co-term graduate students eligible for
this subsidy?
Yes, if the co-term student has reached graduate student status (i.e.,
earned 180 units) and meet all other eligibility requirements.
Will Summer Quarter be treated any differently
than other quarters for determining eligibility?
No. Eligibility will
be determined on a quarter-by-quarter basis. Summer Quarter will be treated
the same as other quarters. If a student is enrolled and eligible for Fall,
Winter and Spring Quarters, and then leaves campus for the summer (not
enrolled, not receiving any assistance), he or she will NOT be eligible
for an insurance benefit over the summer.
Similarly, if a student takes a leave of absence or for some other reason
does not enroll and does not receive financial aid during Fall, Winter
or Spring Quarter, they will not be eligible for the subsidy that quarter.
Will graduate students have to apply to
receive a Cardinal Care health insurance subsidy?
No, they will not. Graduate students will be automatically enrolled in
Cardinal Care for single-student coverage unless they go into Axess and
waive that coverage by the waiver deadline for that quarter.
For all graduate students who do NOT waive Cardinal Care and who qualify based on assistantship/fellowship status, the Graduate Financial System (GFS) will automatically trigger the appropriate subsidy to flow to the student's bill. In order for the payment to go through, the student must by enrolled in at least 8 units (or TGR status) during the school year (Autumn, Winter and Spring), and must be enrolled in at least one unit (or TGR status) during the Summer Quarter.
For additional subsidy questions, please email GRAD-Insurance@stanford.edu
Cardinal Care Information
- Medical and mental health benefits
- Enrollment
- Cost and coverage dates
- For undergraduate parents
- Graduate student subsidy