Student Insurance

Insurance Requirement

Insurance Requirement

The university requires all full-time undergraduate and graduate students and all F-1 or J-1 international students to have health insurance coverage throughout the entire school year as a condition of enrollment due to the extremely high cost of health care and the importance of adequate health insurance coverage. The school sponsors a comprehensive Student Insurance Plan as an option for these students. Every academic year, these students must either elect to enroll in or waive out of the Student Insurance Plan to comply with this requirement. Falsifying or misrepresenting insurance information is a violation of the Honor Code and will be reported.

Important Student Insurance Dates
Important Student Insurance Dates
Fall 2019 Spring 2020
Fall Insurance Billing Deadline 07/31/2019 Spring Insurance Billing Deadline 12/31/2019
Fall Final Waiver Deadline 09/06/2019 Spring Final Waiver Deadline 01/31/2020
Fall Final Enrollment Deadline 11/30/2019 Spring Final Enrollment Deadline 04/01/2020

The Student Insurance Waiver/Enrollment system is now open and we are accepting 2019-2020 Student Insurance Waiver Request forms AND the Student Insurance Enrollment Request forms for the Fall 2019 term/coverage period is now open for submissions.

  • All full-time students who want to waive out of the Student Insurance Plan for the 2019-2020 school year because you already maintain other adequate health insurance coverage must submit an approved 2019-2020 Waiver Request form by the Fall Insurance Billing Deadline to avoid being billed the Health Insurance Policy charge to their Student Account.
  • All full-time student who want to enroll in to the Student Insurance Plan for the 2019-2020 school year because you do NOT already maintain other adequate health insurance coverage must submit an approved Fall 2019 Enrollment Request form by the Fall Insurance Billing Deadline and will be billed the Health Insurance Policy charge to their Student Account. You are financially responsible for the charge and should pay the charge in a timely manner. (*You must also submit a Spring 2020 Enrollment form between 11/01-12/31 to ensure your time insurance enrollment and billing for the Spring/Summer coverage period).
  • All full-time students who do not submit either a Waiver or Enrollment form by the Fall Insurance Billing Deadline will have the Health Insurance Policy charge posted to their Student Account and will be financially responsible for the charge UNLESS they file an approved Waiver Request by the Fall Final Waiver deadline. Enrollments will be processed AFTER the Fall Final Waiver deadline so students are strongly urged to submit the appropriate 2019-2020 Student Insurance form by the Fall Insurance Billing deadline to ensure your timely enrollment/waiver and to avoid a temporary lapse in coverage.

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 university 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 (Graduate Research or Dissertation) are considered by the university 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 university-sponsored 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.