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Graduate Student Health Insurance

Good health is a necessary component of academic success. To help you maintain yours, the University of Memphis has partnered with Wellfleet Insurance Company to offer a robust and student-focused insurance policy to meet the needs of graduate students on campus. The Wellfleet plan is ACA (Affordable Care Act) compliant and for international graduate students, it meets the Department of Homeland Security requirements for F1 and J1 students.  For information on graduate assistantship health benefits, please visit: https://www.memphis.edu/gradschool/current_students/graduate_assistantship_health_benefits.php  

Domestic Graduate and Law Students

Who is eligible to purchase health insurance? Domestic graduate students (including law students) who are degree seeking and enrolled in 6 or more graduate credit hours and domestic Master’s students and PhD students who are enrolled in dissertation or thesis hours for at least one hour are eligible to enroll on a voluntary basis during open enrollment periods.

In order to enroll, please register for classes first. Eligibility is determined on the basis of class registration.  

Where can I find detailed information about the plan and what it covers? For more information visit: https://www.studentinsurance.com/Client/2268

How much does the Health Insurance cost? 

Spring/Summer 2024 term is $1,582.

Summer 2024 only: $453

24-25 Premiums TBA

When does my insurance coverage begin?  

Spring/Summer: January 1– July 31.

Fall: August 1-December 31

Summer: June 1-July 31

What are the open enrollment dates?

Open enrollment begins roughly one month before the coverage period open. Specific dates are available on the Wellfleet website:  https://www.studentinsurance.com/Client/2268

What if I have other health insurance? Although enrollment is voluntary for domestic students, we advise graduate students to carefully consider the overall benefits of the University of Memphis student health insurance plan in comparison with other individual or group insurance. This plan is designed to stand alone or be coordinated with any existing health plan. If your present coverage seems inadequate, we strongly suggest that you consider enrollment in this program.

Can I extend the Wellfleet Student Health insurance coverage after I graduate? No, Wellfleet does not offer COBRA coverage to the plan. However, if you graduate in May, your spring coverage will continue until the end of the plan year 7/31/2024.Your end of coverage date under this plan may constitute a Qualifying Life Event (QLE) for mid-term enrollment in another ACA plan. Please check with the other insurance company for details about enrollment after a QLE.  

How do I get an insurance card? Once enrolled, you may print a copy of your insurance card from the Wellfleet Student website athttps://www.studentinsurance.com/MyAccount/Account/Index/2268  Please allow 24-48 hours to obtain card after enrollment.

How do I enroll/register? Do I need to do anything to have coverage? Eligible domestic graduate students may enroll on a voluntary basis during open enrollment periods. You must be registered for classes in order to enroll.  

To enroll, students may visit https://www.studentinsurance.com/Client/2268 and follow the link to “Enroll or Waive” coverage.

Can I purchase coverage for my spouse and children? Dependent enrollment for domestic graduate students is not currently available.  

How will the premium be collected? Domestic student premiums will be paid directly to the carrier at the time of enrollment. 

How can I get a copy of the plan? Visit Wellfleet Student on the web at https://www.studentinsurance.com/Client/2268 and follow the link to “Discover your benefits”.

How do I know if my doctor is in the Wellfleet/Cigna PPO network? 

Visit https://www.studentinsurance.com/Client/2268 and select “Find Health Professionals.”

Is pregnancy covered? Yes, pregnancy is covered under the same benefits as any other condition.

Am I covered during the summer? Yes, if you are enrolled in the plan during the Spring semester, you are also enrolled during the summer, until July 31.

Why does the Spring term include Summer when I may not be enrolled? The Spring/Summer term extends through July 31st so that students can maintain continuous coverage even when they are not enrolled in summer classes. The Fall term will begin August 1st.

Will the University of Memphis Health insurance plan impact domestic student’s ability to receive a marketplace subsidy or obtain an ACA plan through the marketplace?Student health insurance offered through a University is not consider employer insurance and as such it will not affect a student’s ability to receive a marketplace subsidy or their ability to obtain an ACA plan through the Marketplace.  

I am a graduate assistant. Does the University of Memphis offer health care benefits/coverage to graduate assistants? 

Please visit our Graduate Assistantship Health Benefits webpage for details: TBA

International Graduate Students

The University of Memphis has contracted with Wellfleet to provide a comprehensive health insurance option for our international students. This is an ACA compliant (Affordable Care Act) plan and provides annual coverage.

All international students (holding F or J visas) are automatically enrolled in the Wellfleet system upon registering for classes each semester and fees are posted to your tiger express account.

To set up your account, review your benefits, find a doctor, and receive your insurance card go to: https://www.studentinsurance.com/Client/2268

International students have the option of waiving this insurance. Conditions for the waiver are explained below. 

When does my insurance coverage begin? 

The Spring/Summer period is effective January 1 – July 31. 

The Fall period is effective August 1-December 31

The Summer I 2024 period is effective 5/20/2024-7/31/2024

Summer II 2024 period is effective 6/24/2024-7/31/2024

NOTE: Summer enrollment is for students enrolling at the University of Memphis for the first time during the summer months.  

How much does the Health Insurance cost? 

Premium for the Spring/Summer 2024 term is $1,582. 

Premium for the Summer I 2024 is $543

Premium for the Summer II 2024 is $282

2024-2025 premiums TBA

What if I am enrolled in IEI (Intensive English for Internationals)? 

You will be enrolled in the University of Memphis Student Health Insurance Plan during your IEI term, and the cost will be as follows:

  • Spring 1:  January 1, 2024 – March 7, 2024, $498
  • Spring 2:  March 8, 2024 – May 7, 2024, $453
  • Summer:  May 8, 2024 – July 31, 2024, $631

IEI premiums for 2024-2025 TBA. 

How is the payment billed? 

International students will have their premium billed to their Tiger express account at the same time as tuition and other fees are assessed. 

Can I pay monthly rather than all at once?

The University of Memphis has an installment plan that students can enroll in which will spread their payments across four months.

How do I obtain a waiver? You can receive a waiver from participation in the Wellfleet plan if you have purchased other insurance that meets the University’s waiver requirements and is equal to Wellfleet coverage. Proof of comparable coverage must be submitted to waive the University of Memphis plan.

Requests for waivers can only be submitted during the open enrollment period.  For open enrollment dates please go to: https://www.studentinsurance.com/Client/2268

What are the waiver requirements?

  • Plan must be compliant with the Affordable Care Act (ACA)
  • Unlimited medical coverage for both preventive and emergency care
  • Include pregnancy benefits
  • No waiting period for coverage
  • Pre-existing conditions MUST be covered
  • Deductible of $500 or less J1 requirement
  • Requires student to pay 25% or less per accident/illness
  • Repatriation coverage of at least $25,000 USD
  • Medical evacuation coverage of at least $50,000 USD.
  • M. Best rating of “A-“ or better OR Standard & Poors rating of “A-“ or better
  • Information must be provided in English and in US dollars.

What documents do I need to provide in order to show proof of comparable insurance?

A front and back copy of your current health insurance ID card as well as a benefit summary of your other health insurance plan, also known as a Certificate of Coverage notice. The benefit summary/Certificate of Coverage must include the policy number, plan name, your effective and termination dates, and a contact number for the other insurance company. 
You will visit https://www.studentinsurance.com/Client/2268 to complete the waiver process.

Here you will create an account and upload a pdf, jpeg, or other file formats as listed in the Upload Document section of the Waiver.

A waiver is considered approved upon the receipt of the “Waiver Approved” confirmation email. The waiver status is also shown in the student’s Wellfleet online account.

What is ACA compliant and why does the university require ACA complaint coverage?  ACA-compliant refers to a health insurance plan that meets the requirements of the Affordable Care Act, https://www.hhs.gov/healthcare/about-the-aca/index.html. The University of Memphis has this requirement in place to ensure better coverage for its students. 

Can I extend the Wellfleet Student Health insurance coverage after I graduate? No, Wellfleet does not offer COBRA coverage to the plan. However, if you graduate in May, your spring coverage will still continue until the end of the plan year 7/31/2024

How do I get an insurance card? Once enrolled, you may print a copy of your insurance card from the Wellfleet Student website at https://www.studentinsurance.com/MyAccount/Account/Index/2268

How do I enroll/register? Do I need to do anything to have coverage? 

If you are an international student, you will be automatically enrolled in the insurance plan and you will continue to be enrolled in the plan as long as you are an enrolled student at the University.  You can check your benefits, get your insurance card, find a doctor by going to https://www.studentinsurance.com/Client/2268. 

This automatic enrollment process is handled by the University of Memphis. Waivers are handled by Wellfleet.

Can I purchase coverage for my spouse and children? Yes, international students can enroll their dependents. If you purchase additional plans for spouse or dependents, you will do so directly with the Wellfleet Student Health Insurance Company when completing your enrollment through their web site https://www.studentinsurance.com/Client/2268. Payments will not go through the University. Instructions for dependent/spouse enrollment will be made available within student account once enrolled in the plan.  

Am I covered during the summer? Yes, if you are enrolled in the plan during the Spring semester, you are also enrolled during the summer, until July 31. The Spring/Summer term extends through July 31st so that students can maintain continuous coverage even when they are not enrolled in summer classes. The fall coverage will begin August 1st.

Why is the University of Memphis requiring a full year (annual) coverage?

We have many international students and although some do travel home during the summer for some period of time, the majority of students do not spend the summer months in their home country. In addition, annual coverage ensures that students do not have breaks in coverage between fall and spring semesters. 

How can I get a copy of the plan? Visit Wellfleet Student on the web at https://www.studentinsurance.com/Client/2268and follow the link to “Discover your benefits”. 

How do I know if my doctor is in the Wellfleet/Cigna PPO network? Visit https://www.studentinsurance.com/Client/2268 and select “Find Health Professionals.”  

Is pregnancy covered? Yes, pregnancy is covered under the same benefits as any other condition.  

How long will my waiver last? At the beginning of each fall and spring semester students will need to request (or renew your request) for a waiver of participation in the University of Memphis Student Health Insurance Plan. If you show proof of purchase of a full year of coverage, your waiver will be approved for a full year. 

I am a graduate assistant. Does the University of Memphis offer health care benefits/coverage to graduate assistants? 

Please visit our Graduate Assistantship Health Benefits webpage for details: TBA