Washington College
STUDENT HEALTH INSURANCE PLAN

2022-2023 Academic Year

Washington College is pleased to present you with information about our 2022-2023 Student Health Insurance Plan (SHIP), offered in partnership with Wellfleet Student.

Eligibility: All full-time students enrolled for a minimum of 12 credit hours will be automatically enrolled in the Student Health Insurance Plan and the annual insurance fee will be included on the student’s fall semester tuition bill unless a waiver form providing proof of comparable coverage is submitted by the deadline dates below.

Student Health Insurance Policy Period, Premium Rates and Deadlines:

  Coverage Period *nsurance Fee Waiver/Enrollment
Deadline
Annual 08/15/22–08/14/23 $3,182* extended to 08/31/2022
Spring 01/15/23–08/14/23 $1,848* 01/15/2023

* pending approval by the Maryland Department of Insurance


ENROLLMENT PROCESS

 If you intend to be enrolled in the Student Health Insurance Plan, you may confirm this by submitting the enrollment form found in the navigation menu on the left hand side of this page or click HERE. Your enrollment will be processed prior to the effective date of the policy in August.

Eligible students who do not submit the enrollment form will not be automatically enrolled in the SHIP until after the posted waiver deadline.

WAIVER PROCESS

If you have your own comparable health insurance coverage and do not want to be enrolled in the Student Health Insurance Plan you may submit the waiver form found in the navigation menu on the left side of this page by the posted deadline or click HERE.

  To waive the SHIP your health insurance plan must meet the below requirements:

1. Be a US health insurance plan that is filed and approved in the US.

Please note that the following are NOT considered comparable coverage and are NOT eligible for a waiver of the Student Health Insurance Plan:

  • Students with coverage from insurance carriers outside the United States or coverage by foreign National Health Insurance programs.
  • International student insurance plans such as ISO, PSI and Student Medicover (these plans are not ACA compliant, are not filed in the US and are not eligible for a waiver.)
  • Students with a health insurance plan, such as out of state HMO and EPO plans, that provides coverage through a closed network of providers not reasonably assessable in the area where the student attends school, for all but emergency services.
  • Travel insurance and short-term limited duration plans are not accepted.

2. Provide coverage for the entire policy year with no break in coverage.

3. Comply with the Affordable Care Act (ACA) and provide minimum essential coverage as defined by the ACA including:

  1. Provide an unlimited policy maximum
  2. Include coverage for pre-existing conditions
  3. Provide emergency and non-emergency care in the area of the College.
     

Failure to complete the online waiver form by the deadline,  August 1, 2022 for fall students or January 15, 2023 for new spring students will result in your automatic purchase of the Student Health Insurance Plan for the 2022-2023 academic year. There will be no allowance for a late waiver submission or premium refund. A new online waiver form must be completed by the deadline each school year.

Once the waiver form is submitted you must also upload a copy of the front & back of the health insurance card to the student health portal, washcoll.studenthealthportal.com.

BENEFIT INFORMATION

The Student Health Insurance Plan enables students to access care outside of Student Health Services. The plan is ACA compliant and includes access to Cigna’s national OAP network of providers. Students do not have to select a primary care physician and referrals are not required. The 2022-2023 Plan Brochure will be available in the navigation menu on the left hand side of this page under “Benefit Information” in early summer 2022. It describes covered services, limitations, procedures to waive, and important deadlines. It is your responsibility to understand the nature and scope of benefits and limitations as well as to abide by posted deadlines.

We encourage you to read and familiarize yourself with the Student Health Insurance Plan brochure. If you have any questions regarding the insurance plan or the waiver process, please contact University Health Plans at info@univhealthplans.com or 1-833-251-1117.