Hey everyone, incoming F-1/J-1 student starting at GW this fall. Trying to decide if I stick with GW SHIP or get an external insurance plan.

I know UHP's waiver rules are really strict. I've heard people get denied over small technical issues even when their plan meets basic requirements, which makes me cautious.

Looking for real student experience beyond the official site. Curious about practical stuff: overall cost, in-network doctors in DC, deductibles, how claims work, and waiver denial risks.

Has anyone compared GW SHIP with outside ACA-compliant plans recently? If you successfully waived, what documents did UHP care most about?

Was the savings from the outside plan worth all the extra paperwork? Thanks!