Student Insurance

Insurance Requirement

Due to the extremely high cost of health care in the United States and the importance of adequate health insurance coverage, the College requires all full-time undergraduate and graduate students admitted Fall 2006 or after and all F-1 and J-1 international students to have health insurance coverage throughout the school year as a condition of enrollment. Every academic year, these students must either elect to enroll or waive the W&M-sponsored Student Insurance Plan to comply with this requirement. Falsifying or misrepresenting insurance information is a violation of the Honor Code and will be reported.

The College sponsors a comprehensive Student Insurance Plan, provided by UnitedHealthcare StudentResources, that is compliant with the Affordable Care Act and is categorized as a Platinum plan.

  • Students who elect to enroll in the Student Insurance Plan must submit an 2015-2016 Enrollment Request form by 7/31 and are financially responsible for the timely payment of the Health Insurance Policy charges posted to their Student Account.
  • Students who elect to waive the Student Insurance Plan because they already maintain adequate health insurance coverage must submit an approved 2015-2016 Waiver Request form by 8/31 to avoid be financially responsible for the Health Insurance Policy charges posted to their Student Account.
  • Students who neither elect nor waiver coverage by 8/31 will be enrolled in and billed for the Student Insurance Plan and will be financially responsible for the Health Insurance Policy charges posted to their Student Account.

All other full-time undergraduate and graduate students admitted prior to fall 2006 are not required by the College to have health insurance coverage but are eligible to enroll in the college-endorsed Student Insurance Plan on a voluntary basis.

Important Note: All full-time students ARE eligible to use the services of the Student Health Center. Waiving the Student Insurance Plan DOES NOT affect eligibility for services at the Student Health Center.

Insurance Eligibility

For the purpose of defining student insurance eligibility, full-time is defined by the College as undergraduate students taking 12 or more credit hours during the fall, spring and summer academic terms and graduate students taking 9 or more credit hours during the fall and spring terms (or the equivalent of full-time study) and 6 or more credit hours during the summer term (3 or more credit hours for A&S and VIMS graduate students). Part-time or continuous enrollment students are not eligible for nor should they enroll in the Student Insurance Plan. Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased to remain eligible. Students in good standing who are actively engaged in academic study are considered by the College to be actively attending classes. Students must meet the Eligibility requirements each time you pay a premium to continue your insurance coverage.

Private Insurance

The Student Health Center DOES NOT file any private insurance claims for charges, except for the College-endorsed Student Insurance Plan.  The Student Health Center will provide the student with a detailed, itemized bill that can be submitted to your private insurance company for possible reimbursement.  However, the Student Health Center providers do not participate in any insurance networks or groups, therefore any medical expenses submitted to your private insurance will likely be treated as an out-of-network claim.