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Student Insurance Enrollment Information

General Information

The annual master policy becomes effective on August 1 and terminates on July 31 but students are billed in two installments for the Fall and Spring/Summer coverage separately. The Fall coverage period begins on 8/1 and ends on 12/31 and the Spring/Summer coverage begins on 1/1 and ends on 7/31. These coverage dates and premium rates are set by the school in accordance with the contract and cannot be changed or prorated further. This policy is a Non-Renewable One-Year Term Policy.

Students may elect to enroll in the student health insurance anytime during a coverage period (up to 31 days before the last day of class for that academic term) but the rates are not pro-rated further. Students must meet the Eligibility requirements each time you pay a premium to continue your insurance coverage (see Insurance Eligibility on the Student Insurance page). Refunds of premiums are allowed only upon entry into the armed forces. The Enrollment FAQ's may answer any questions you have regarding the insurance enrollment process.

Important Note:
  • It is the student's responsibility to verify that your Student Account has been billed appropriately for the Health Insurance Policy charge EACH SEMESTER and to submit the online Opt-In Enrollment form EACH SEMESTER to activate your coverage with the insurance company.
  • If you do not see the Health Insurance Policy charge on your Student Account, please contact the [[, Student Insurance Coordinator]] at the university immediately.
Important Student Insurance Dates
Fall 2024 Spring 2025
Insurance Billing Due date Mon. 07/31/2024 Insurance Billing due Date Sun. 12/31/2024
Open Enrollment ends Fri. 09/13/2024 Open Enrollment ends Fri. 02/14/2025
Final Enrollment Deadline Wed. 11/01/2024 Final Enrollment Deadline Mon. 04/01/2025

Late Enrollment Requests will be billed the full cost (premium) for the coverage period requested. No prorated or reduction in the cost is available. Enrollments AFTER Open Enrollment ends but before the Final Enrollment Deadline will be considered under special circumstances only (life events). Contact the Student Insurance Coordinator to inquire about Enrollment after the posted dates.

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Academic Year 

All full-time Continuing or New, Transfer, & Readmitted undergraduate and graduate students and all F-1/J-1 International Students for 2024-2025 academic year who wish to be enrolled in the university-sponsored Student Insurance Plan and have the cost billed to your W&M Student Account must submit an online 2024-2025 Student Insurance Enrollment form by the posted deadline EACH ACADEMIC TERM to facilitate your timely insurance enrollment and billing for the university-sponsored Student Insurance Plan.

The Student Insurance Waiver/Enrollment system is not yet opened for submissions for the 2024-2025 school year but is expected to open on or around 7/1. Be sure to submit your online Opt-In form in a timely manner by 7/31/24 to ensure you are billed correctly for the Student Insurance Policy and your coverage is in place on August 1.

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Summer Term

Students who enrolled in the Student Insurance Plan for the Academic year are covered from August 1 to July 31 (the entire policy year) so it isn't necessary for you to Opt-In or enroll for the Summer coverage. Students whose academic program begins in the Summer term and who wish to enroll in the school-sponsored Student Insurance Plan and have the cost billed to your W&M Student Account must submit the Student Insurance Special Enrollment Request form to authorize the school to process your insurance enrollment outside the open enrollment periods for the Academic year. It is not mandatory and you are not required to submit a Waiver Request as proof of other adequate healthcare coverage during the Summer term.

Any full-time undergraduate or graduate students or F-1/J-1 student who waived coverage for the Fall and Spring terms and now wishes to enroll in the Summer coverage period may do so by submitting the Student Insurance Special Enrollment Request Form to authorize the school to process your enrollment and bill the student premium to your W&M Student Account outside the open enrollment periods for the Academic year. You may be required to furnish proof of a qualifying life event and verify your insurance eligibility for the Summer coverage period.

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Students who enroll in this plan may insure their dependents. Eligible dependents are the student's spouse or domestic partner and dependent children under 26 years of age. Insured students who wish to enroll their eligible dependents must purchase dependent coverage directly with UnitedHealthcare StudentResources online through UHCSR's online services, My Account using the Enroll Dependent button found on the My Account Home page (lower left-hand column.)

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Insured students who have graduated, withdrawn or changed from full to part-time status AND have been continuously insured under W&M's policy for at least 3 consecutive months are eligible to continue their coverage for a period of not more than 180 days/6 months under the school's policy in effect at the time of the Continuation. Insured students whose student status has changed must apply for the Continuation coverage within 31 days of the termination of your current student coverage and must enroll directly with UnitedHealthcare StudentResources by logging into your UHCSR MyAccount and using the link found in the MyCoverage page. (Note: link will NOT be available until 1 month before coverage period expiration date and will be removed 1 month after the coverage period expiration date (Fall expires 12/31, link avail. 12/01-01/31 and Spring expires 7/31, link avail. 07/01-08/31.)

Unfortunately, it is not possible to enroll in the W&M policy for the first time under the Continuation coverage; you MUST have been continuously insured under either the Fall or Spring/Summer coverage periods to be eligible.

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