Student Health Insurance
Academic Health Plans
Mandatory Student Health Insurance and Waiver
Frequently Asked Questions
Health insurance is required for all students, but you are not required to purchase the Wellfleet Student Health Insurance Plan. To waive out of the plan you must submit proof of Affordable Care Act compliant coverage. If you receive an approved waiver, the fee will be removed from your student bill. Waivers will not be accepted after the deadline.
If you have health insurance outside of the UIW affiliated Wellfleet plan that is Affordable Care Act compliant (cost sharing, short term, and travel plans do not qualify), then you will submit a request for a waiver before each Fall semester. If you miss the waiver deadline, you are responsible to pay for the student health insurance plan and will receive a bill in your student account.
If you have VA healthcare you can retrieve proof of coverage on va.gov, under Records, click Download your benefit letters, then sign in. Click Get your VA benefits letters box, View Letters, and download the Proof of Minimum Essential Coverage Letter.
If you have TRICARE you can retrieve proof of coverage on milConnect by clicking View my Health Care Coverage.
Yes, there are options to add coverage for your spouse and any dependents in your Wellfleet Student account.
Your ID card is located in your account. These are instructions for accessing your account.
If you have lost health coverage after an enrollment period has closed, you might be eligible to file a "Qualifying Life Event" application for coverage. You will need to provide a letter from your previous health insurance provider stating the specific date when your coverage ended. Make sure to enroll within 30 days of the qualifying event.
Other qualifying events include, but are not limited to:
- Turning 26 and no longer on parent's insurance
- Birth or adoption of a child
- Loss of a spouse, whether by death, divorce, annulment or legal separation.
It is very important to confirm with your doctor, hospital or urgent care center that they accept Cigna insurance and are also in network with your plan.
You can call the office you are planning to visit to confirm they accept Cigna insurance and if they are in network. You can also visit the Wellfleet Student website to utilize their “Finda a Doctor” tool.Find a doctor, dentist or facility
The benefits flyer can be found here.UIW 2022-2023 Student Health Plan (pdf)
No, you are not required to purchase the Wellfleet Student Health Insurance Plan, but you must have active health insurance to waive out of the plan.Many students still have health insurance through their parents or their own job.
Student may also choose to go to the government Marketplace to purchase their own individual plan.
Health Services Clinic