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Wake Forest University School of Medicine

2024-2025 Academic Year

Insurance Requirement

Wake Forest University School of Medicine (WFUSM) requires that all students have health insurance and has arranged for students and their families to purchase insurance at group rates. Students required to have health insurance will be automatically enrolled in and charged for the Student Health Insurance Plan (SHIP). The annual insurance cost will be split into two charges. Students may opt-out of the SHIP by submitting a waiver form documenting proof of comparable coverage at the start of the academic year. Once the waiver deadline has passed, students cannot opt-out of the insurance plan. 

Before opting out of the student health insurance plan, please check your plan to confirm their participation in Winston-Salem and/or Charlotte, NC. View this list of common plans accepted by Wake Forest Baptist. Due to the different physician groups and hospitals within the Wake Forest Baptist system, physician and hospital services are billed separately. Please remember that health insurance coverage varies, so some services may not be covered.

Insurance Cost & Coverage Periods*

*All rates and plan designs are subject to the department of insurance's approval

Physician Assistant Students

Coverage Period 1st Semi-Annual (6/1/24-11/30/24) 2nd Semi-Annual (12/1/24-5/31/25)
Cost $2,536.00 $2,536.00
Deadline July 1, 2024

Medical Students

Coverage Period 1st Semi-Annual (7/1/24-12/31/24) 2nd Semi-Annual (1/1/25-6/30/25)
Cost $2,536.00 $2,536.00
Deadline August 1, 2024

Graduate, SRNA, and DNP Students

Coverage Period 1st Semi-Annual (8/1/24-1/31/25) 2nd Semi-Annual (2/1/25 - 7/31/25)
Cost $2,536.00 $2,536.00
Deadline September 1, 2025

New May Graduate Students

Coverage Period (5/1/24- 7/31/25)
Cost $1,206.75
Deadline June 1, 2024

Students may purchase coverage for eligible dependents at the same rate as the student by the deadline.

Waiver Process

Students covered by a comprehensive health insurance plan in North Carolina can opt out of the SHIP by completing the waiver form. Before waiving, compare the SHIP's cost, coverage, and benefits to those of your existing plan. If you do not submit a waiver form by the deadline stated above, you will be enrolled in the SHIP and responsible for the cost of the insurance plan.

Dependent Enrollment Process

If you are enrolled in the Student Health Insurance Plan, you may also purchase coverage for your eligible dependents by completing the enrollment form in the navigation menu on the left side of this page. You will be prompted to make an online payment with a credit card. 

Qualifying Event Enrollment

Once you waive the SHIP, you cannot voluntarily enroll. However, students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage or acquire a new dependent. To request an enrollment form and premium quote, contact University Health Plans at 800-437-6448 or You must submit all qualifying event enrollment paperwork and documentation within 30 days of the qualifying event.

Voluntary Dental and Vision Plans

Under Optional Plans on the left, choose Voluntary Dental & Vision plans or click HERE to be re-directed to the dental and vision summary page.