Log in to Student Blue: 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.

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.

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.

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 during the first week of May for the fall semester and November for the Spring semester. 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.

Student Health will submit insurance claims on behalf of students who possess Student Blue or any insurance plans with which we are in-network. Typically claims take between 2- 4 weeks to reimburse. Students who carry Student Blue will not be required to pay any fees upfront for medical services, with the exception of prescription copays.  Once Student Health receives reimbursement from Student Blue or the in-network insurance provider, student accounts may be billed for any charges that are not covered by the insurance company. Students will receive a secure email on the patient portal for more details on any denied claims.

Students who carry out-of-network insurance plans will be responsible for paying any charges at the time of service and will need to file for reimbursement through their insurance company. 

Student Health is not a Medicaid provider. 
 

All students can use Student Health 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

Please complete a Student Blue/ BCBS claim form, linked 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

Claims submitted to the insurance provider will be reimbursed according to the covered amount. If the insurance company determines that a service is not medically necessary, is out of network, is not covered, or requires prior authorization, it may lead to a denial of coverage, placing the financial responsibility on the patient.

Students can access services at Student Health even if they do not have an insurance card on file. If an insurance card is not available during checkout, the student is required to settle any charges using a credit card; otherwise, the charges will be applied to their tuition account.

For students with Student Blue or other in-network insurance carriers, insurance claims will be submitted by Student Health, provided an insurance card is on file. Students may upload their insurance card through the patient health portal or present it in person to the staff at Student Health.