Insurance Cost & Coverage Periods
|Annual Students||New Spring Students|
|Coverage Dates||August 14, 2023 – August 13, 2024||January 1, 2024 – August 13, 2024|
|Deadline||September 30th, 2023||March 3rd, 2024|
2023-2024 Plan Changes: The ER copay will change to $150; The out-of-network co-insurance will change to 60%; the Prescription drug cost share will change to Tier 1 - $5 copay and Tier 2, 3 & 4 - 70% co-insurance. If you take a high-cost medication, this plan change could have a significant impact on your out-of-pocket cost.
The 2023-2024 Post University Student Health Insurance Plan (SHIP) is insured by Wellfleet. The SHIP complies with the Affordable Care Act (ACA ) and includes access to Cigna's National Network of PPO Providers. Students do not have to select a primary care physician, and referrals are not required.
Post University has partnered with University Health Plans to administer the SHIP and help with any waiver, enrollment, or general benefit-related questions. University Health Plans can be reached at 833-250-8990 or firstname.lastname@example.org. For specific benefit questions or claims, please contact Wellfleet at 877-657-5030.
All full-time main campus undergraduate and graduate students are eligible for the SHIP. Home study, correspondence, and online courses do not fulfill this requirement. Once you meet eligibility for the first 31 days from the effective date of your enrollment in the SHIP, you are enrolled for the remainder of the coverage period if you do not submit a waiver form by the deadline.
International Student Process
International students are automatically enrolled in the SHIP and do not need to take any action to enroll. International students are required to enroll in the SHIP and do not have access to the waiver form.
Domestic students covered by an Affordable Care Act (ACA) compliant health insurance plan that provides coverage in the geographical area surrounding the Post University campus can opt-out of the SHIP by completing the waiver form. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. If you are enrolled in an out-of-state Medicaid, HMO, or EPO plan, your coverage may be limited in the geographical area surrounding Post University. Urgent or emergency-only coverage near the campus does not meet the waiver requirements. Contact your insurance company's member service department to verify your plan provides non-emergency benefits near the campus. If you do not submit a waiver form by the deadline above, you will be enrolled in the SHIP and responsible for the cost of the insurance plan.
Domestic students intending to purchase the SHIP should complete the enrollment form to initiate enrollment in the SHIP. Please allow 7 days after you submit an enrollment form for your enrollment to be activated in the insurance company's database. Student information is not sent to the insurance company until after the deadline unless the enrollment form is submitted. Domestic students who do not submit an enrollment form by the deadline will be enrolled in the SHIP retroactively to the policy effective date and responsible for the insurance premium.
Qualifying Event Enrollment
Students who waive the SHIP may not voluntarily enroll until the next policy year. However, students may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact University Health Plans at 833-250-8990 or email@example.com. You must submit all qualifying event enrollment paperwork and documentation within 30 days of the qualifying event.