Am I required to purchase the University of Vermont Student Insurance?
No. Students are not required to purchase the University of Vermont Insurance if they have comparable coverage under another insurance carrier. Choosing between the UVM Student Health Insurance Policy (UVM SHIP) and comparable coverage is an individual decision and UVM cannot help you make this decision. We can only give you information.
Do I need to notify UVM if I decline or accept the UVM Student Insurance?
Yes. Each year, regardless of your decision to accept or decline the UVM Student Insurance, you must complete the online insurance decision/waiver form. This is how we ensure you are properly covered. Again, this process must be completed EVERY YEAR.
Is There a Deadline for Completing the Insurance Decision/Waiver Form?
YES. In order to avoid unwanted charges on your student account, all of the above students should enroll in or waive UVM Student Health Insurance by JULY 1st for the Fall Semester, and December 1st for new/returning students in the SPRING.
Students who fail to complete the Insurance Decision/Waiver form by this date will be charged for the UVM Plan, and will have a HOLD placed on their UVM student account. This hold is removed when you complete the insurance decision/waiver process, and the charge will be backed off if you can show that you have comparable insurance coverage.
The last possible date to change a decision or to enroll in the UVM Student Health Insurance is September 15 for the FALL and February 15 for the SPRING.
- If you are deciding on SHIP, you will only need your Student ID Number to complete the form.
- If you are waiving SHIP, you will need your current health insurance card or equivalent, with subscriber/member ID number, primary subscriber's name and subscriber's relationship to you.
Should I choose UVM SHIP or a Different Health Insurance Plan?
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.
Do You Have any 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
Can You Tell Me More About UVM's SHIP?
We strongly suggest that you read the Student Insurance Plan Brochure and Summary of Benefits documents found on the "Benefit Information" menu at the University Health Plans website. Prior years' benefit information is also available for comparison.
Overview of UVM SHIP
- Insurance coverage period: August 1 - July 31 each year.
- Students enrolled in the UVM SHIP must pay the UVM Health Fee. The Health Fee covers most health and counseling services at UVM's Center for Health & Wellbeing (CHWB), regardless of a student’s health insurance coverage.
- The UVM SHIP covers all routine and preventative health care ONLY when they are obtained at the CHWB offices. Preventative services available at CHWB will not be covered at any off-campus facility.
- Students should obtain a referral from CHWB before obtaining care elsewhere. There is a $200 deductible for services obtained outside of CHWB without a referral.
- Prescription Drug Coverage: After a co-payment, prescriptions are covered at 100% (in network).
- Psychiatric Services at CHWB: students with UVM SHIP are covered at 100% of the initial visit and 80% of each follow up visit.
- Students who have purchased the UVM SHIP and who later withdraw or fall below 6 credits (undergraduates) or 5 credits (graduate students) may keep the insurance policy for the remainder of the semester from which they withdraw, but they are not eligible for CHWB services (even though they have also paid the Health Fee).
- To enroll in SHIP, complete the simple Insurance Decision/Waiver Form before the deadline. Enrollment after the deadline is generally not an option. But under certain very limited circumstances University Health Plans will consider making exceptions. Contact them directly for information.
Can I Get SHIP Insurance Even if I am Not Required to Have Insurance?
As long as you have paid the UVM Health Fee and you are one in one of the categories below, you are eligible to purchase SHIP:
- Any undergraduate, continuing education or medical student taking 6 or more credits.
- Any graduate student taking 5 or more credits.
- Any student enrolled for Continuous Registration (Grad 902 or Grad 903).
If I do not accept the Student Health Insurance (SHIP), can I still be seen at the UVM Center for Health and Wellbeing? Is there a charge? Can I use my private health insurance?
Yes, you can be seen at the CHWB if you have paid the Student Health Fee for the current term (for many students this is part of the Comprehensive Fee). Most basic CHWB services are covered by the Health Fee. However, services like laboratory work, immunizations, psychiatry visits, prescriptions, X-rays, and orthopedic supplies are not covered by the Health Fee. So, if you do not have coverage from UVM SHIP, you can expect a charge if these services are needed. If this is the case, you can either pay us at the time of service or we can apply the charge to your UVM Student Account. You can then request reimbursement from your insurance company. We cannot accept insurance copays, nor can we bill your insurance company for any chargeable services.
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.
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. We send official email to your UVM email address. If you do not use your UVM email account, please forward your UVM email to your preferred email account.
Can I fill out the Waiver/Decision Form on paper?
No. The insurance decision/waiver must be submitted online.
What happens if I do not fill out the Waiver/Decision Form?
Students who do not complete an online insurance decision/waiver by the deadline will be billed, the insurance premium will be added to their UVM student account, and a hold will be placed on their student account. Once a hold is placed on a student's account, s/he will not be able to register or make registration changes. The hold can be removed until the deadline stated below (see next question).
If a hold is placed on my student account, is there a way that I can get it off?
Yes, by entering your current insurance information into the insurance decision/waiver form. Holds can be reversed through the month of August for the Fall semester and until February 15th for the Spring semester.
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 your insurance decision. This can be done until the above deadlines (see previous question).
If I make an error, can I change it?
Yes, by going to the insurance decision/waiver form and changing the information that is there. This can be done until the deadlinesmentioned above. The charges will come off or the premium will be added to your student account depending on the decision.
Can international students waive the UVM Student Insurance (UVM SHIP)?
No. International students who want to talk about other coverage can call the insurance office at (802) 656-0602 or email firstname.lastname@example.org
What happens if I withdraw from school?
Students who have paid for the UVM SHIP and who withdraw from school or fall below 6 credits may keep the insurance policy for the remainder of that semester, but they are no longer eligible for CHWB services, so they must seek care elsewhere. There is one exception to this rule: if the student is currently under care by a provider or counselor at the CHWB, they may be seen for a brief period of time (not to exceed sixty days) to allow for an orderly transition of their care to an outside provider. These arrangements must be discussed with the CHWB Medical Director or the Director of Counseling and Psychiatry Services, as appropriate, and authorized by the Director of the Center for Health & Wellbeing.
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/waiver form and checking the appropriate box for "Fall-only."
How will I be billed for the UVM SHIP insurance?
In two separate charges: The first half of the premium payment will be billed to your UVM Student Account 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.
Can a spouse/civil union or domestic partner, or a minor dependent purchase the UVM student Insurance?
Yes, but you are responsible for enrollment. Contact University Health Plans (our plan provider) directly for more information or to enroll. Their phone number is (800) 437-6448. You can also enroll on their web site. The deadline for this enrollment is September 15th for Fall semester and February 15th for Spring semester.
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 Building or in the CHWB Student Health Clinic at 425 Pearl Street, Ground Floor.