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Principia College

2024-2025 Policy Year

Principia College (Principia) requires all degree-seeking students to be covered by a health insurance plan that provides comprehensive coverage in the Elsah, Illinois area. To ensure adaquate coverage, all degree-seeking domestic students are automatically enrolled in and charged for the Principia Student Health Insurance Plan. International students and online only students are NOT eligible for this policy. Students with a comprehensive health insurance plan, providing them coverage in the Elsah, Illinois area, may request a waiver form.

Plan Highlights

For students who do not have a comprehensive health insurance plan or full coverage while on campus, Principia has contracted with Wellfleet Insurance Company to be the insurance provider. The Plan offers a Preferred Provider Organization (PPO) through Cigna and has been designed for Principia students, offering comprehensive health insurance coverage. Details about the Student Health Insurance Plan can be found by selecting “Benefit Information” in the navigation menu on the left-hand side of this page. 

Principia has partnered with University Health Plans to administer the plan and help with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1151 or For specific benefit or claims questions please contact Wellfleet Student at 877-657-5030. 

Enrollment, Cost and Coverage Periods

All domestic students are automatically enrolled in and billed for the Principia Student Health Insurance Plan unless a waiver form is submitted and approved. Insurance ID Cards are not mailed but are available electroncially using the Insurance ID Card Link located on the left-hand side of this page. 

  Annual Students New Spring Students
Coverage Dates 8/10/24 - 8/9/25 1/15/25 - 8/9/25
Insurance Cost* $2,403 $1,363
*Includes Admin Fee  $146 $83
Waiver Deadline July 12, 2024  TBD

Waiver Information

All domestic students with a comparable plan, see insurance requirements belowmust waive enrollment in the Student Health Insurance Plan by the waiver deadline. To waive, click on the "Waiver Form” link in the left-hand navigation menu on this page. Complete all required information and click submit, you will need to upload your insurance ID Card. All submitted waivers will be audited and will not be processed until your receive a second email confirming the waiver was approved. If a waiver form is not successfully submitted or cannot be approved, then the student will remain enrolled and charged for the Student Health Insurance Plan.

All waivers submitted are reviewed for adaquare coverage. Your waiver MUST be approved to not be enrolled in and charged for the plan. If your waiver is NOT approved, you will need to provide additional documentation showing you have full coverage in the Elsah, IL area, prior to the deadline, or remain enrolled in the plan. If requested documentation of coverage is not submitted prior to the deadline then you will remain enrolled in and billed for the Principia Student Health Insurance Plan. Late waivers are not accepted after the deadline. 

Please note: Students who submitted an annual waiver do not need to submit a spring waiver, the waiver is valid for the full academic year. New waivers must be submitted at the start of each academic year you attend Principia College. If you are a NEW SPRING STUDENT then you will need to waive by the posted spring deadline and your next waiver will be required that same year at the start of the fall semester. 

Insurance Requirements

If you are currently insured, you may waive enrollment if your plan meets insurance requirements. Please note:

  • Not all plans provide comprehensive coverage in the state of Illinois such as out-of-state Medicaid plans, health share plans, certain HMOs and managed care plans. Be sure to check with your insurance company before waiving. Plans that do not provide full coverage in the state of Illinois will not be permitted for a waiver. Emergency only coverage in Illinois is NOT sufficient for a waiver. Plans that do not meet waiver requirements include but are not limited to Kaiser, Medicaid from a state other than Illinois or Missouri, Indemnity Plans and Health Share Plans.
  • If your plan will end before August 9, 2025 or while you are in school, you must either enroll in the Student Health Insurance Plan within 31 days of your other plan’s end date, or find acceptable coverage elsewhere. You must always be sufficiently insured while considered a student at Principia.
  • You must provide a copy of the front and back of your insurance ID Card. Your waiver will be audited by Principia and UHP to confirm your waiver eligibility.
  • If your plan is from another state, it may offer a Home Away Rider to provide coverage in Illinois, while at Principia. Please check with your plan if you do not have coverage in the Elsah, IL area to review if this option is available to you.

Qualifying Event Enrollment Process

Students who waived the plan may qualify for special enrollment rights if they incur an involuntary loss of other coverage. The Qualifying Event Enrollment Form can be found in the navigation menu on the left-hand side of this page. To request a premium quote, contact University Health Plans at 800-437-6448 or

To enroll, you must submit an enrollment form, a letter from your prior insurance company documenting your loss of coverage, and payment within 31 days of the qualifying event. If all items are received by the deadline coverage will be effective as of the first day without coverage under your prior plan.