The University of Memphis (UofM) requires all international students on F-1 and J-1 visas, enrolled in credit or non-credit courses, to maintain active major medical insurance in order to mitigate risk to the student and the institution.

Our university has partnered with Wellfleet Insurance Company to offer a robust and student-focused insurance policy to meet the needs of international students on campus. The Wellfleet student health insurance plan is an annual (12 month) and ACA (Affordable Care Act) compliant plan. If you are a J-1 student, this plan also meets the Department of Homeland Security insurance requirements.  

Insurance plan coverage period
Fall: August 1 - December 31
Spring and Summer: January 1 - July 31
Summer only: May 20 - July 31 (for students enrolling at The University of Memphis for the first time during the summer months)  

Insurance cost/ premium for 2023-2024
Spring and Summer 2024 term: $1,582
Summer 2024: $543
The insurance cost for 2024-2025 will be announced soon. 

International graduate and undergraduate students on F-1 and J-1 visas are automatically enrolled in the UofM Wellfleet plan once they register for classes. The insurance cost will be added to the Tiger express account at the same time as tuition and other fees are assessed. The UofM offers an installment plan that students can enroll in which will spread the payments across multiple months. 

International students have the option of requesting a waiver. The waiver period for the summer 2024 is April 1 to June 7, 2024.

Please read the Frequently Asked Questions

Visit the UofM and Wellfleet Student Health Insurance Plan Website for all the detail information.

  • For Insurance benefits and coverage summary, insurance account login, and download insurance ID, click "Discover your benefits".
  • To download a medical claim form, go to "Discover your benefits" and click the "arrow down symbol".
  • To find the doctors in the Wellfleet/Cigna PPO network, click “Find Health Professionals.”

For assistance with enrollment or waiver please contact Wellfleet at 877-657-5030 or email customerservice@studentinsurance.com. Be sure to include the University of Memphis in your email so that they know which policy to reference.