University of Vermont

CHWB


Policy for Mandatory Health Insurance

The following UVM students are required to have health insurance:

  • Undergraduate/Continuing Education students registered for 9 or more credits.
  • Graduate students registered for 9 or more credits.
  • Graduate students enrolled in Grad 903 credits.
  • ALL Medical Students.

These students must either purchase the health insurance plan we offer (UVM SHIP) or provide verification of comparable other coverage.

This must be done online, using the Insurance Decision/Waiver Form. Students must complete this form every year, even if they decide not to enroll in UVM SHIP.

The Purpose of this Policy

The purpose of this University policy is to ensure that all full-time UVM students are sufficiently covered by health insurance in case of illness or injury, and to make sure they do not suffer financial hardship as a result of inadequate/nonexistent coverage.

Should You Purchase UVM SHIP or Different Health Insurance?

While we can help you make an informed choice, only you can make this decision. We encourage you to do as much research as possible about UVM SHIP and other health plans before making your decision.

Tips for Evaluating Other Plans

Some insurance plans are restrictive in terms of which healthcare providers you can see or where you may seek care. Plans like these can leave you under-insured (or effectively uninsured) while away at school. This could result in substantial out-of-pocket medical costs for you or your family. Evaluate other plans carefully. We recommend verifying that the plan provides adequate coverage in the Burlington, Vermont area for:

  • Lab tests and X-rays
  • Prescription medications
  • Hospitalization (including room and board, physicians' fees and surgical expenses)
  • Outpatient hospital services
  • Mental health care
  • Emergency room care
  • Intercollegiate sports injuries (if you are on a team)

You should also make sure that the plan:

  • Provides coverage to students over the age of 19
  • Covers you through July 31st of the current academic year
  • Does not have a high deductible that must be met before you are allowed to access coverage

Since we require that your insurance coverage be comparable to the coverage offered by UVM, the UVM SHIP Summary of Benefits and Program Brochure may be useful for comparison.

No matter which insurance a you choose, you are eligible to receive services at the CHWB as long as you have paid the UVM Health Fee.

Last modified October 06 2014 05:10 PM