Student Insurance
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 Dates
| Fall 2024 | Spring 2025 | ||
| Fall Insurance Billing Due Date |
Wed. |
Spring Insurance Billing Due Date |
Tues. |
| Fall Final Waiver Deadline |
Fri. |
Spring Final Waiver Deadline |
Fri. |
| Fall Final Enrollment Deadline |
Fri. |
Spring Final Enrollment Deadline |
Tues. |
The Student Insurance Waiver/Enrollment system is now open for Waiver & Enrollment submissions for the Spring 2025 academic term for New, Transfer or Readmitted students & Continuing students who want to enroll in the Plan. Insurance charges are assessed in Jan. for students who do not have an approved 2024-2025 or Spring 2025 Waiver on file but will be credited within 3 business days if Waiver is later approved. Be sure to submit your online Spring 2025 Waiver/Enrollment form no later than 2/14/2025!
How to Waive Out for 2024-2025
All New, Transfer, Readmitted full-time students & all F-1/J-1 International students who want to waive out of the Student Insurance Plan for the Spring 2025 academic term because you already maintain other adequate health insurance coverage must submit an approved online Spring 2025 Student Insurance Waiver Request form by the Spring 2025 Insurance Billing Due Date listed above to avoid being billed the $2110 Health Insurance Policy-Spring charge to their Student Account. Continuing students who submitted an approved 2024-2025 Waiver do not need to submit a Spring 2025 Waiver Request.
Important Note: All full-time, fee paying 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.
How to Enroll for Fall 2024
All New, Transfer, Readmitted and Continuing full-time students & all F-1/J-1 International students who want to enroll in the Student Insurance Plan for the Spring 2025 academic term (Spring/Summer coverage period) because you do NOT already maintain other adequate health insurance coverage must submit an approved online Spring 2025 Student Insurance Opt-In Enrollment form by the Spring 2025 Insurance Billing Due Date listed above to ensure your timely insurance enrollment and to have the $2110 Health Insurance Policy-Spring charge billed to their Student Account. If you opt-in to the Student Insurance or you are enrolled by the University you are financially responsible for the insurance policy fee and should pay the charge in a timely manner. (*All Continuing students must submit a Student Insurance Opt-In Form for BOTH Fall (in July) and Spring (in December) to ensure your continued insurance enrollment and billing for the student insurance coverage.
Current students should NOT purchase or pay for CONTINUATION coverage through their UHCSR MyAccount (self-service portal) because this coverage is ONLY for those who are no longer active students (withdrawn, on a leave of absence, or graduated). Active students should ALWAYS pay the Insurance Policy fee through their W&M Student Accounts for your UHCSR coverage.
Forgot to Waive or Enroll?
All New, Transfer, Readmitted or Continuing full-time students who does not submit either an approved Waiver or Enrollment form by the Spring 2025 Insurance BILLING Due Date noted above will have the $2110 Health Insurance Policy-Spring charge posted to their Student Account and will be financially responsible for this charge UNLESS they file an approved Waiver Request by the Spring 2025 FINAL Waiver deadline or you already have an approved 2024-2025 Waiver on file. Students who failed to submit an approved Waiver by the Fall 2024 Final Waiver deadline, will have the opportunity to submit an Spring 2025 Waiver Request in December to avoid the additional Spring Health Insurance Policy charge.
Important Note: W&M will process Enrollments AFTER THE FINAL DEADLINES listed above for those who failed to waive or enroll, so students are strongly urged to submit the appropriate Student Insurance Waiver/Enrollment form by the Spring Insurance Billing due date to ensure your timely enrollment and to avoid a temporary lapse in coverage.
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 & 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, Continuous Enrollment students or students in an Online Program 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.