Student Insurance Waiver Information


General Information

All full-time undergraduate and graduate students 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 year/term must submit a Waiver Request by the posted 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 93) and your current insurance ID card to complete the form. Click on the link below under the appropriate student heading to access the Waiver Request form.

Important Notes:

  • You will be redirected to a secure waiver system provided by UnitedHealthcare StudentResources (UHCSR), 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.
  • 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, there is an onscreen confirmation and one is also 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 or is not submitted in a timely manner.

The Waiver FAQ's may answer any questions you have regarding the waiver process.
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Deadlines

To avoid being billed for the W&M Student Insurance in the spring, a Spring 2019 Student Insurance Waiver Request is due by December 31 for ALL full-time new, transfer, or readmitted students who have other health insurance coverage for the entire Spring 2019 academic year. The 2018-2019 Student Insurance Waiver system is NOW closed and no further Waiver Requests submissions will be considered for the Fall 2018 term.

After the waiver period due date, Waiver Requests may be considered at the discretion of the College and there is a point each term at which no further waivers may be considered. If your late waiver request is approved and you were charged, you should see the credit post to your eServices Account Activity within 3-5 business days. If your Waiver Request is not approved or you failed to submit a waiver, you will be responsible for the health insurance policy charge on your student account.

Domestic Students

Insurance plans submitted for waiver must provide the following:

  1. Coverage for the entire Spring 2019 academic term (01/11/2019 to 05/12/2019);
  2. Must be an employer-sponsored or government-regulated insurance plan (i.e. approved by state insurance commission and/or Affordable Care Act compliant).
These requirements are mandatory and no exceptions will be made. Partial Waivers for one semester may be granted on Appeal only, after you file a Waiver Request that has been denied.

If your plan meets all of these requirements, you must submit an online 2018-2019 Domestic Student Insurance Waiver Request as proof of other insurance. The Spring 2019 Student Insurance Waiver system is NOW closed and no further Waiver Request submissions will be considered for the Fall 2018 term.

Students with 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 other 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.
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F-1 & J-1 International Students

Insurance plans submitted for waiver must provide the following:

  1. Coverage for the entire Spring 2019 academic term (01/11/2019 [or date of arrival in the U.S., whichever is earlier] to 05/12/2019 [or date of departure from the U.S., whichever is later]) (*Exchange or Visiting students see note below);
  2. Must be an employer-sponsored or government-regulated insurance plan (i.e. approved by state insurance commission and/or Affordable Care Act compliant).
  3. Does your insurance provide coverage of at least $100,000 per injury/sickness;
  4. Does your insurance have a deductible not to exceed $500 per injury or sickness;
  5. Does your insurance provide coverage of at least $2,500 for prescription drugs;
  6. Does your insurance provide coverage for Repatriation & Medical Evacuation that meets the US Dept of State minimums (repatriation=$25,000; medical evacuation=$50,000);
  7. Does your insurance provide coverage for mental health (including suicide attempts, substance abuse and alcohol abuse treatment) paid the same as any other sickness or injury;
  8. Does your insurance provide coverage for intentional harm to self, suicide or attempted suicide?
  9. Does you insurance provide coverage for maternity/pregnancy care (females only);
  10. Is your insurance payable in US dollars;
  11. 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;
  12. Can you provide an entire copy of the policy in English with US dollar amounts (may be submitted via email)

These requirements are mandatory and no exceptions will be made. If your plan meets all of these requirements, you must submit an online Spring 2019 International Student Insurance Waiver Request as proof of other insurance. The Spring 2019 Student Insurance Waiver system is now closed and no further Waiver Request submissions will be considered for the Fall 2018 term. We strongly urge F-1/J-1 students to verify waiver eligibility BEFORE purchasing other health insurance to ensure that you do not have to pay for two insurance plans if your Waiver Request is NOT approved. Please see the International Student Insurance Waiver guidelines for more information.

*Note: If you are an Exchange or Visiting student attending W&M for one semester, your insurance must provide coverage for the entire academic term (Spring 2019 semester minimally requires coverage from 01/11/19-02/19/18 [or date of arrival or departure, whichever is longer].

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