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Campus Resources

Insurance

Students are required to have health insurance either by remaining on their parents insurance or buying an individual insurance plan. Students without insurance may purchase the Student Blue Student Health Insurance. Students will be automatically billed (on tuition account) and enrolled in the Student Blue coverage, unless a waiver is completed by the semester due date listed below.

Insurance Dept. Contact Info:
Student Blue Rate Amount:

Value Plan: $1,182.28, fall 2024 or spring 2025

  • Value plan does not satisfy J type visa requirements.

Premium Plan: $ 1,475.32, fall 2024 or spring 2025

  • See a comparison of plans and the Student Blue brochure in the resources area below.
  • Students enrolled in summer classes are not required to submit proof of insurance.
Waiver/Enrollment Deadline:

To avoid course cancellation, the insurance premium must be paid or waived by the payment due date.

  • Fall 2024 Deadline: September 10, 2024 (Student Blue portal opens on May 22nd for waivers and June 13th for Enrollment)
    • Insurance premium waivers approved on or after the payment due date and before August 7, 2024 will be refunded to the student's account.
Insurance Coverage Dates:

Spring: January 1st - July 31st

Fall: August 1st- December 31st

Insurance Requirements
  • Upon registering for classes (fall or spring) your tuition account will be charged the insurance rate (value plan) for each Fall and spring semester enrolled. 
    • Students are required to have health insurance. Students may remain on their parents’ insurance or buy their own health insurance plan. The plan must be a creditable health plan in order to use for waiving purposes. Students must provide proof of insurance by submitting an online waiver to Student Blue. After the waiver is submitted and approved by Student Blue, an insurance premium credit will be applied to the tuition account. Allow up to 15 days.
    • Students without health insurance will be charged the value plan rate and will need to physically enroll in the Student Blue Health Insurance plan. When enrolling, you may choose the value or premium plan. If you select the premium plan the difference of the two rates will be added to your account in addition the the value plan rate that was added upon registration.
  • For the most up-to-date status of your waiver request, refer to recent emails from Student Blue and Student Health Insurance Dept.
  • Please read all emails from the Student Health Center or Student Blue. Emails will be sent to the student’s uncc.edu email address. Student Blue has the option for you to have a secondary email address, such as a parent’s address. 
Insurance Requirements for International Students

All International students (F-1,F-2 or J-1, J-2 visas) are required to have health insurance while attending UNC Charlotte. Regardless if the student is living in the US or abroad. Students may enroll into the Student Health Insurance Plan or they may enroll in another US or home country plan that meets the University's minimum health insurance requirements. In order to waive the Student Health Insurance Plan, students must complete the online waiver form with Blue Cross Blue Shield.  

Your health plan must meet the following minimum requirements:

  • Minimum total benefit/coverage of $100,000 (USD) per accident or illness
  • Plan deductible of no more than $500 (USD)
  • Minimum of $50,000 (USD) for medical evacuation
  • Minimum of $25,000 (USD) for repatriation coverage
  • Policy must be active for the entire duration of the academic semester
  • Pregnancy and mental health benefits (must be comparable to the benefits offered in the Student Insurance plan)

**Important notice regarding non-US health insurance plans.  After completing the online insurance waiver you will be required to send a copy of your policy declaration page for review. All information must be submitted in English and all of the benefits and exclusions of the plan must be clearly stated. If the policy does not meet the minimum requirements and/ or it is not completely in English, the waiver will automatically be declined and students must purchase the University sponsored plan.

UNC Charlotte students, who meet the following criteria, are eligible for the UNC System Student Health Insurance Hard Waiver (Mandatory Plan) and are required to have health insurance. Listed below are the eligibility criteria:

  • Undergraduate Students: enrolled in a main campus program, registered for six or more degree-seeking credit hours.
  • Graduate Students: enrolled in a main campus program, registered for three or more credit hours in a degree-seeking or certificate program.
  • International Students: All students with F-1,F-2 or J-1, J-2 visas.

These students are automatically charged the current semesterly premium amount for the Student Health Insurance Plan (SHIP) when they register for the semester. All charges for the Student Blue insurance premium will appear on your UNC Charlotte Student Account. You must provide proof of insurance on-line at the Student Blue link above in order to waive the premium. 

These students are also automatically charged the mandatory Health Services Fee, providing them access to all student health related services at the Student Health Center, the Center for Counseling and Psychological Services, and the Center for Wellness Promotion.

 

The Insurance Requirement DOES NOT apply to students enrolled in a Distance Education program

  • Many online courses are not designated as Distance Education. Check with your program to determine if the program's campus location is coded as Main Campus or Distance Education. If coded Main campus, the insurance requirement does apply. 
  • Distance Education students may be eligible to be enrolled in the Student Blue Plan. Call 704-687-7435 for more information.

 

  • Insurance premiums cannot be prorated. Insurance coverage dates above will apply regardless of your enrollment date.
  • If you are purchasing Student Blue insurance, you must go online to activate the insurance by enrolling.
  • Medicaid Family Planning is not credible health insurance and will not be approved to obtain a waiver.
  • To waive using TRICARE or Veteran Affairs insurance, enter the sponsor or Military Member's social security number or DOD number. Upload your military ID card or a military proof of health insurance coverage letter.
  • When your waiver has been approved, a credit (looks like a payment) of the premium amount will appear on your Student Account.
  • Student Blue insurance will NOT provide coverage for dependents, (spouses, domestic partners and children). 

Parents can view insurance premium charges and waivers (credits) to your student’s account by logging onto the Guest Access Portal (GAP), an online system that allows students to provide access to certain information including student accounts.

To gain access, the student must log into their Banner Self Service Account and add you as a Proxy. Once you are added, confirm your email address and create a password. You must be granted access to the “Account Summary” option to view if the student has waived or is enrolled in the university health insurance. Click on this tab and look for “Student Health Premium”. The waiver will look like a payment on the student account.

Please complete a Student Blue/ BCBS claim form, link below. Send the claim form and a copy of the itemized billing statement to the address on the form.

https://www.bluecrossnc.com/content/dam/bcbsnc/pdf/members/health-plans/claim-information/member-claim-form-requirements.pdf

The Student Health Center will file insurance claims ONLY for those students who have Student Blue, the Student Health Insurance Plan offered through Blue Cross Blue Shield of North Carolina (BCBSNC).  Students who carry Student Blue will not be required to pay any fees up front for medical services, with the exception of prescription copays.  Once the Student Health Center receives reimbursement from BCBSNC, student accounts may be billed for any charges that are not covered by Student Blue.

Students who carry any other type of insurance will be responsible for paying any charges at the time of service and will file for reimbursement through their own insurance company.  The Student Health Center does not file any third party insurance.

The Student Health Center is not a Medicaid provider. 

All students can use Student Health Center services. There is no cost to see our providers. However, there are charges for lab, x-ray, pharmacy, allergy shots, physical therapy and special procedures. Since we are not a Medicaid provider, students will be responsible for these charges.

Pharmacy: Medicaid will pay for prescriptions filled at the Pharmacy, if written by a Medicaid provider.

Students must be enrolled at UNC Charlotte in order to use the Student Health services. Students who withdraw from the University, whether they receive a refund of the Health Fee or not, are not eligible for medical services except for one follow-up visit at the discretion of the attending provider for an illness or injury treated immediately prior to the withdrawal.  However, students who withdraw from the University may continue to use the Student Health Center pharmacy.  For more information, call 704-687-7359.

STUDENT HEALTH INSURANCE

Students enrolled in the Student Blue health insurance and withdraw from the university, please see the table below in reference to the time frames.
 

Semester

Withdraw before/after

Following to apply

Fall

Before September 24

Student Blue coverage will be cancelled.

 

Students will be responsible for any claims made prior to the cancellation date. Claims made at the Student Health Center will be forwarded to the student's tuition account. If the student filed a claim for services off campus, that facility will bill the student for the services received.

 

Insurance premium charges taken off student account

Fall

After September 24

Student Blue insurance will remain active until the coverage end date (fall: 12/31 and  Spring 7/31). Insurance premium charges will remain on the student's tuition account.

Students are not eligible to use Student Health, but may use the insurance elsewhere.

Spring

Before Feb 14

Student Blue coverage will be cancelled.

Students will be responsible for any claims made prior to the cancellation date. Claims made at the Student Health Center will be forwarded to the student's tuition account. If the student filed a claim for services off campus, that facility will bill the student for the services received. Insurance premium charges taken off student account

Spring

After Feb 14

Student Blue insurance will remain active until the coverage end date (fall: 12/31 and  Spring 7/31). Insurance premium charges will remain on the student's tuition account.

Students are not eligible to use Student Health, but may use the insurance elsewhere.

Exception: Individuals who are full-time active duty military (armed forces) can cancel at any time and receive a full refund. 

For more information about UNC Charlotte's withdrawal process, go to the Withdrawal Services website.

For more information about insurance, contact the Student Insurance Office in the Student Health Center. Phone: 704-687-7435. Email: myinsurance@uncc.edu

 

Distance learners, Co-op, Student Interns, Student Teaching students and students with special circumstances may be eligible to enroll in Student Blue during the open enrollment period, but are not required to purchase the plan, so long as the student:

  • Is enrolled in at least one course for undergraduate students (this can be on-campus or distance education students)
  • Is enrolled in at least 1 course for graduate students (for distance education program)
  • Is degree-seeking participating in a campus-sponsored internship, a co-op semester, or student teaching that is required as part of the academic degree program.

HOW TO ENROLL:   A student who meets the above criteria must enroll in Student Blue by completing this form. This form will open on 6/15 for fall 2024.This form is active during the open enrollment periods.

  • You will be enrolled in Student Blue health insurance within 3-5 business days after your request has been received. Your Student Account will be charged the semester premium within 3-4 business days. You are required to pay the premium or establish a payment plan prior to the end of the open enrollment period. Failure to do so will result in the insurance plan being voided.
  • If you have a qualifying life event and wish to enroll in the insurance plan after the open enrollment period, you will need to go through Student Blue directly. Call 1-888-351-8283.