INTERNATIONAL ACCELERATOR AT AMERICAN UNIVERSITY (AMERICAN IAP)
STUDENT HEALTH INSURANCE PLAN
2026-2027
Health Insurance Carrier Change – Important Notice:
Effective with the 2026–2027 academic year, the student health insurance plan carrier will change from Wellfleet Insurance Company to UnitedHealthcare StudentResources (UHCSR). All students enrolling in coverage for the 2026–2027 plan year will be insured through UnitedHealthcare.
Coverage for Students Enrolled During 2025–2026
Students who enrolled during the 2025–2026 academic year and selected a coverage period listed below may remain insured by Wellfleet through the end of their original coverage period:
- Spring Annual 2026 enrollees: Coverage remains with Wellfleet through December 31, 2026
- Summer Annual 2026 enrollees: Coverage remains with Wellfleet through April 30, 2027
These students will not transition to UnitedHealthcare until their Wellfleet coverage expires.
Questions or Concerns About Your Insurance?
- Students whose coverage begins Fall 2026 or later should contact UnitedHealthcare StudentResources for assistance. UHCSR can be contacted at 888-799-7716.
- Students who are still within their Wellfleet coverage period should contact Wellfleet directly for any questions regarding benefits, claims, ID cards, or provider access. Wellfleet can be contacted at 877-657-5030.
Students are encouraged to confirm their coverage dates and insurance carrier before seeking medical care to ensure they are contacting the correct provider.
Plan Highlights
The 2026-2027 American IAP Student Health Insurance Plan (SHIP) is provided by UnitedHealthcare StudentResources. The plan is ACA-compliant and includes access to United's national network of providers. Students do not have to select a primary care physician, and referrals are not required.
The American IAP Student Health Insurance Plan (SHIP) offers comprehensive coverage at an affordable cost. We encourage students to review the plan by selecting "Benefit Information” from the navigation menu on this page.
Keep in mind, health insurance in the United States is different from that in other countries. Please review the guide, Understanding US Health Insurance, in the navigation to review common insurance terms and definitions, and help you to understand how US health insurance works.
Address Update:
Students are enrolled with the American IAP address. To receive communications from United, please select Address Update from the navigation menu to provide your local mailing address.
Please review the information below for your student type to understand the enrollment process, eligibility, coverage periods, cost, and additional coverage associated with your SHIP.
Enrolled Year 1 Students
Eligibility
All new American IAP students are required to enroll in the American IAP SHIP. Therefore, students are automatically enrolled, and no action is necessary.
Cost and Coverage Periods
| Coverage Period | Coverage Dates | Cost |
|---|---|---|
| 2026-2027 Annual | 8/1/26 - 7/31/27 | $2,500 |
Dental Plan
A dental plan is included in the United policy. The complete description of benefits can be found in the Brochure located in the Benefit Information tab in the navigation menu. Enrollment in this plan is mandatory; Students will be automatically enrolled, and no action is necessary.
Vision Plan
Vision coverage is provided by VSP Vision Care. The complete description of benefits and participating provider search can be found by clicking Vision Insurance in the navigation menu on the left-hand side of this page. Enrollment in this plan is mandatory; Students will be automatically enrolled, and no action is necessary. No ID cards or claim forms are needed when you see a VSP Network Doctor. Tell the doctor you are a VSP member when making the appointment.
Progressed/Matriculated Year 2-4 Students
Eligibility
Progressed/Matriculated Year 2-4 American IAP students are required to have health insurance, but will not be automatically enrolled in the American IAP SHIP. To enroll, you must make payment via the Shorelight portal HERE. If you have questions about your eligibility or payment, please contact the American IAP Student Services team or Insurance_Support@shorelight.com.
Cost and Coverage Periods
Please visit the Shorelight portal HERE for information about plan costs and coverage periods. If you have questions about enrollment, coverage periods, cost, or payment, please contact the American IAP Global Student Services team or Insurance_Support@shorelight.com.
Dental Plan
A dental plan is included in the United policy. The complete description of benefits can be found in the Brochure located in the Benefit Information tab in the navigation menu. Enrollment in this plan is mandatory; Students will be automatically enrolled, and no action is necessary.
Vision Plan
Only students who enroll in the annual insurance product will be enrolled in the vision plan provided by VSP Vision Care. If you select a semester-only product, you will not receive vision benefits and will be responsible for any vision services you may receive, including vision exams, glasses/frames, contact lenses, etc. For students who select the annual product, you will receive vision benefits and can review the complete description of benefits by clicking Vision Insurance in the navigation menu. For students enrolled in the vision plan, no ID cards or claim forms are needed when you see a VSP Network Doctor. Inform the doctor that you are a VSP member when scheduling the appointment.
Questions?
American IAP has partnered with University Health Plans to administer the plan and help with enrollment and/or benefit-related questions. University Health Plans can be reached at 800-437-6448 or info@univhealthplans.com. For specific benefit-related questions or questions about claims, United can be reached at 888-799-7716. When calling or emailing, please be sure to advise that you are an American IAP student.
If you have questions about your enrollment, eligibility, coverage periods, cost, or payment, please contact the American IAP Student Services team or Insurance_Support@shorelight.com.
