All full-time undergraduate and graduate students admitted Fall 2006 or after will be enrolled in the college-endorsed Student Insurance Plan and the cost will be billed to your student account in two installments (fall and spring semester) UNLESS proof of other adequate health insurance coverage is furnished. Students who already have health insurance for the entire academic term/year must submit a waiver request by the deadline each academic year, and the waiver request must be approved to avoid being enrolled in the Student Insurance Plan. Waiving the Student Insurance Plan does not affect eligibility for services at the Student Health Center.
You will need your individual 9-digit W&M Student ID number (beginning with 930) and current insurance information. Click on the link below under the appropriate student heading to access the Waiver Request form.
Important Note: You will be redirected to a secure waiver system provided by UnitedHealthcare, the contracted student insurance company. Your private insurance information is secure and can only be accessed by a W&M administrator with a unique logon and password. Also, the form requires a simple, electronic signature to indicate that you accept the Acknowledgement. To sign electronically, you simply type your name into the form field prior to submitting the completed form. If someone other than the student completes the form, please include reference initials. Immediately after submission, you will receive an onscreen confirmation and an emailed version will also be sent to the W&M email address supplied on the form. You should retain a copy of one of these confirmations for your records. Students will be responsible for the charge(s) on their student account if the Waiver Request is not approved.
The Waiver FAQ's may answer any questions you have regarding the waiver process.
To avoid being billed for the W&M Student Insurance, a 2014-2015 Student Insurance Waiver Request is due by July 1 for all full-time continuing students AND all full-time new, transfer or readmitted students entering the College Fall 2014 who have other health insurance coverage for the 2014-2015 academic year. The waiver system is no longer open for submissions for the fall term and no further waivers will be considered for this term. The Spring 2014 Waiver Request form will open on or around 12/01 with a posted due date of 1/10/2015 to avoid being billed the $870 Health Insurance Policy - Spring charge.
After the waiver period has ended, Waiver Requests will only be considered at the discretion of the College and on a case-by-case basis. If your request is approved and you were charged, you should see the credit post to your eServices Account Activity within 3-5 business days. If you request is not approved, you will be responsible for the health insurance policy charge on your student account.
Insurance plans submitted for waiver must provide coverage for the entire academic term/year. (Spring 2015 Waiver Requests must provide coverage for 01/16/2015 to 05/13/2015 at minimum.) This is a mandatory requirement.
If your plan meets the requirement, you must submit an online Spring 2015 Domestic Student Spring Insurance Waiver Request.
Students with other health insurance plans that have a closed-network of providers (such as Kaiser Permanent & Tricare Prime) or with limited coverage outside of your area (such as regional HMOs), or otherwise inadequate benefits (such as HDHPs) must carefully review their options before waiving the College-sponsored insurance plan because healthcare may not be reasonably accessible in the Williamsburg area with some health plans.
Please note that Medicaid coverage is state specific and does not provide coverage out-of-state. Therefore, out-of-state Medicaid is not considered adequate health insurance coverage so a waiver request will not be approved.
Insurance plans submitted for waiver must provide coverage for ALL of the following requirements: (see helpful Guidelines for more information)
- Coverage for the entire academic term/year (Spring 2015 Waiver Requests must provide coverage for 01/16/2015 or date of arrival in the U.S. [whichever is earlier] to 05/13/2015 or date of departure from the U.S. [whichever is later.])
- Coverage of at least $50,000 per injury or sickness OR $500,000 maximum lifetime limit, whichever is greater
- A deductible not to exceed $500 per injury or sickness
- Coverage of at least $1,000 for prescription drugs
- Coverage of Repatriation and Medical Evacuation that meets the U.S. Dept. of State minimum requirements
- Coverage for mental health (including suicide attempt, substance and alcohol abuse treatment) paid the same as any other sickness or injury
- Coverage for harm to self, suicide or attempted suicide
- Coverage for maternity/pregnancy care (females only)
- Is your insurance coverage payable in US dollars?
- Is your plan provided by a company licensed to do business in the United States, with a US claims payment office and a US phone number
- Can you provide an entire copy of the policy in English with US dollar amounts?
If your plan meets ALL of the requirements, you must submit an online Spring 2015 International Student Spring Waiver Request. If your plan DOES NOT meet all of the requirements or you cannot provide proof of the same, you WILL NOT obtain a waiver, so please do not submit a request for one. F-1 & J-1 International Students should not purchase any other health insurance until they are certain their waiver request will be approved. Review the Guidelines to determine if your plan meets ALL of the College's requirements.