Student Insurance Waiver Information
General Information
All full-time undergraduate and graduate students will be enrolled in the university-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 separate one is also sent to the W&M email address 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
| Fall 2023 | Spring 2024 | |||
| Insurance Billing Due Date | Mon. 07/31/2023 | Insurance Billing Due Date | Sun. 12/31/2023 | |
| Final Waiver Deadline | Fri. 09/15/2023 | Final Waiver Deadline | Fri. 02/09/2024 |
To avoid being billed for the W&M Student Insurance for the Spring term, an approved Spring 2024 Student Insurance Waiver Request form is due by Dec 31 for ALL full-time New, Transfer, & Readmitted students who have other health insurance coverage for the entire Spring 2024 academic term. Please note that any student who did NOT file an approved Fall 2023 Waiver by the Final Waiver deadline listed above may submit a Spring 2024 Waiver Request between 12/01-12/31/2023 to avoid being enrolled in the additional Spring/Summer coverage and being billed the Health Insurance Policy-Spring charge.
The Student Insurance Waiver/Enrollment system is now opened for submissions for the Spring 2024 semester. Don't delay, submit your Waiver Request today so you don't have to pay for insurance you don't need!
After the Insurance Billing deadline, you may still submit a Waiver Request, but you may see the charge on your Student's Account. If your late Waiver Request is approved and you were charged the Health Insurance Policy fee, you should see the credit post to your eServices Account Activity within 1-3 business days. After the FINAL deadline, late Waiver Requests may be considered at the discretion of the school. If your Waiver Request is not approved or you failed to submit a waiver in a timely manner, you will be responsible for the insurance charge on your student account. Waivers may NOT be considered AFTER the Final Waiver deadline.
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Domestic Students
For the purposes of the Insurance Waiver, Domestic students includes Citizens (U.S. or Dual), Permanent Residents as well as DACA, Asylum-seeking applicants, nationals from designated countries with a Visa Waiver Program and Non-Immigrant Visa types OTHER than F-1/J-1 Student Visas).
Insurance plans submitted for waiver must provide the following:
- Coverage for the entire 2023-2024 academic year (08/25/2023 to 05/18/2024 or 01/19/24-05/18/24 for Spring 2024 term);
- 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. If your plan meets ALL of these requirements, you must submit an online Spring 2024 Domestic Student Insurance Waiver Request form as proof of other insurance by the posted deadline. Partial Waivers for one semester may be granted on Appeal only, AFTER you file a Waiver Request that has been denied, submit a Waiver Decision Appeal to provide more information.
Students with health insurance plans that have a closed-network of providers with limited or no coverage outside of your area (such as EPOs or HMOs like Kaiser Permanente, Oscar & Tricare Prime), or otherwise inadequate benefits (such as HDHPs) should carefully review their options before waiving the university-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
For the purposes of the Insurance Waiver, International students includes foreign nationals carrying a nonimmigrant F-1 or J-1 International Student visa (including visiting & exchange students but not including J-1 scholars.)
Insurance plans submitted for waiver must provide the following:
- Coverage for the entire 2023-2024 academic year (08/25/2023 [or date of arrival in the U.S., whichever is earlier] to 05/18/2024 [or date of departure from the U.S., whichever is later] or 01/19/24-05/18/24 for Spring 2024 term) (*Exchange or Visiting students see note below);
- Must be an employer-sponsored or government-regulated insurance plan (i.e. approved by state insurance commission and/or Affordable Care Act compliant).
- Does your insurance provide coverage of at least $100,000 per injury/sickness;
- Does your insurance have a deductible not to exceed $500 per injury or sickness;
- Does your insurance provide coverage of at least $2,500 for prescription drugs;
- Does your insurance provide coverage for Repatriation & Medical Evacuation that meets the US Dept of State minimums (repatriation=$25,000; medical evacuation=$50,000);
- 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;
- Does your insurance provide coverage for intentional harm to self, suicide or attempted suicide?
- Does you insurance provide coverage for maternity/pregnancy care (females only);
- Is your insurance payable in US dollars;
- 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;
- 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 2024 International Student Insurance Waiver Request form as proof of other insurance by the deadline. 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 in which you are attending W&M. The Fall 2023 academic term minimally requires coverage from 08/25/2023-12/19/2023 and the Spring 2024 academic term minimally requires coverage from 01/19/2024-05/18/2024 (or date of arrival or departure, whichever is longer).
