The University of Vermont

Center for Health and Wellbeing - Insurance

University of Vermont
Student Accident and Sickness Insurance
Frequently Asked Questions

1. Is Insurance Mandatory?

Yes, for the following students:

  • Undergraduates, certificate, and continuing education students, enrolled in 9 credit hours or more
  • Graduate Students taking 12 or more credit hours
  • All International students

2. Do I need to buy the University of Vermont Student Insurance?

Students do not need to purchase the University of Vermont Insurance if they have comparable coverage under another insurance carrier. Please note that choosing between UVM Student Insurance and comparable coverage is an individual decision. The University of Vermont cannot help you make this decision. Before you decline the UVM Student Insurance, be sure to check with your insurance company to make sure you will be covered in the State of Vermont.

3. Do I need to notify UVM if I decline UVM Student Insurance?

Yes. Each year, regardless of your decision to accept or decline the UVM Student Insurance, you must fill out the Insurance Waiver/Decision Form.

4. Do I need to notify UVM if I accept UVM Student Insurance?

Yes. Each year, regardless of your decision to accept or decline the UVM Student Insurance, you must fill out the Insurance Waiver/Decision Form.

5. Do I have to make an insurance decision each year even though I have already given you the information?

Yes.  The decision has to be made each year.

6. How are students notified of the mandatory health insurance requirement?

Students are notified by mail or e-mail each year about this requirement. This is usually done after the student has registered for courses.

7. Can I fill out the Waiver/Decision Form on paper?

NO. The Waiver/Decision Form must be submitted online.

8. What happens if I do not fill out the Waiver/Decision Form?

A hold will be placed on your student account. Holds are placed on student accounts 20 business days from the day we notify you of the mandatory health insurance requirement. Once a hold is placed on your account you will not be able to register or make registration changes. The hold is removed as soon as you fill out the form.

9. If a hold is placed on my student account, is there a way that I can get if off?

Yes, by going to the Insurance Decision Form website and entering your current insurance information into the Waiver/Decision Form. This can be done up to the published deadlines of September 30th for the fall semester and February 15th for the spring semester.

10. If a hold was placed on my account, do I need to notify anyone when I have completed the form?

No, the hold and charges will either be added or taken off automatically, depending on the decision. This can be done until the above deadlines (see question 9).

11. If I make an error, can I change it?

Yes, by going to the Insurance Decision Form website and selecting the Insurance Waiver/Decision Form, and changing the information that is there. This can be done until the above deadlines. The charges will come off or the premium added to your student account depending on the decision.

12. Can international students waive the UVM Student Insurance?

No. International students who want to talk about other coverage can call the insurance office at (802) 656-0602.

13. Can a student taking 6-8 credits purchase the UVM Student Insurance?

Yes, by going to the Insurance Decision Form website and filling out the Insurance Waiver/Decision Form.

14. Can a student taking under 6 credit hours purchase the insurance?

NO.

15. What if I do not have access to a computer?

Computers are available at several locations on campus, including the library, outside of Student Financial Services in the Waterman Bldg. or in the Center for Health & Wellbeing Student Health Clinic at 425 Pearl Street, Ground Floor.

16A. What are the UVM Student Insurance premiums for the 2009/2010 policy year?

  • Students $2022.00 (billed to UVM student account in two installments of $1011 - fall/spring semesters)
  • Spouses $4266 (purchased directly from Aetna)
  • Children $2570 (purchased directly from Aetna)

16B. When does the policy begin and end?

The policy begins on August 1st and ends on July 31st of the following year.

17. How will I be billed for the UVM insurance?

In two separate payments: Half of the premium payment will be billed in July, August or September, depending on when you enroll in the insurance. The other half will be billed in December for the spring semester.

18. Can a spouse, same-sex domestic partner, or dependent purchase the UVM student Insurance?

Yes. They must go to the Aetna Student Health website and download an application from there (select the "Policy Info" link to access the application). The University is not responsible for this enrollment. Spouses/dependents should deal directly with Aetna Student Health at 1-800-286-1144. There is a deadline for this enrollment: September 15th for Fall semester and February 15th for the Spring semester.

19. Can I purchase Student Insurance for Fall semester only?

If you are graduating in December and wish to purchase UVM Insurance for the fall semester only, you can do so by going to the Insurance Decision Form website and selecting the Waiver/Decision Form, and checking the appropriate box for “fall-only.”

20. Is there a supplemental Medical Coverage that I can add to the regular University of Vermont health insurance?

Yes. The aggregate maximum benefit under the Student Health Insurance Plan is $50,000. If you purchase the basic Student Health Insurance Plan at the University of Vermont, you are eligible to purchase the Supplemental Plan of $200,000 at a small additional premium. This would extend the combined maximum to $250,000. Please go to the Aetna Student Health website to download an application form (select the "Policy Info" link to access the Supplemental Application form). You must deal directly with Aetna Student Health for this supplemental insurance.

Last modified May 29 2009 10:32 AM

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