Student Insurance

Insurance Requirement

Insurance Requirement

Due to the extremely high cost of health care in the U.S. and the importance of adequate health insurance coverage, the College 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. The College 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 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 Student Insurance Waiver/Enrollment system is now closed and no longer accepting Waiver Request and Enrollment form submissions for the Spring 2019 term. The system is expected to open on or around 06/01 for the 2019-2020 school year.
  • All full-time New, Transfer, and Readmitted students or Continuing 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 07/31 to avoid be financially responsible for the Health Insurance Policy charge posted to their Student Account. The Student Insurance Waiver/Enrollment system is expected to open on or around 06/01 for 2019-2020 school year.
  • All full-time New, Transfer or Readmitted student for the 2019-2020 school year who want to enroll in to the Student Insurance Plan because you don't already maintain other adequate health insurance coverage must submit an approved Fall 2019 Enrollment Request form by 07/31 and will be financially responsible for the timely payment of the Health Insurance Policy charge posted to their Student Account. (You must also submit a Spring 2020 Enrollment form by 12/31 to ensure your time insurance enrollment and billing for the Spring/Summer coverage period).
  • Students who do not elect to waive out of or enroll in to the Student Insurance Plan by the posted deadline(s) will be billed the Health Insurance Policy charge and will be financially responsible for this charge posted to their Student Account. Due to a delay in processing these enrollments resulting in a temporary lapse of coverage, students are strongly urged to submit the appropriate 2019-2020 Student Insurance form by 07/31 to ensure your timely enrollment/waiver.

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 (Graduate Research or Dissertation) 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-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.