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2013-14 Health Insurance Plan

Introduction to Washington University in St. Louis Student Health Insurance

2013-2014 Plan Brochure

IMPORTANT — New students enrolling for the Spring Semester are eligible to waive the Student Health Plan. The waiver opens 12/2 and closes 2/12. Failure to waive by the deadline will result in automatic enrollment into the plan.

Washington University in St. Louis is pleased to offer an Injury and Sickness Insurance Plan underwritten by United Healthcare Insurance Company. This plan will go into effect 8/1/2013 and end 7/31/2014.

All enrolled domestic degree-seeking undergraduate students in the day program and full-time graduate students on the Danforth Campus are automatically enrolled in the basic student health insurance plan unless proof of comparable coverage is provided.

All international students are required to participate in the basic plan on a mandatory basis unless there is proof of U.S. insurance through a U.S. employer via an employee parent or spouse/partner.

Insurance waiver option

In order to waive out​ of the WUSTL Student Health Insurance plan, your current coverage must meet the minimum criteria below.  

  1. A maximum benefit of at least $500,000
  2. An individual deductible of $3,000 per person or less
  3. Barnes-Jewish Hospital in St. Louis an in-network provider 
  4. Current coverage is not Medicare nor Medicaid 
  5. Plan provides coverage for all medically necessary care while in St. Louis and while traveling in the U.S. or abroad  
  6. Plan may not provide only emergency or urgent care 
  7. Plan must cover care for inpatient and outpatient medical, mental health and chemical dependency services 
  8. Plan must provide a prescription drug benefit
  9. Plan must provide preventive care covered in-network with no cost to you


Make sure you understand the details of the student health insurance plan or any other plan you may consider including: 

  • Premium costs
  • Out of pocket monetary responsibility
  • Network coverage
  • Inpatient and outpatient coverage
  • Out of town and out of country coverage.
  • Consider that if you remain a dependent on another plan, your care may not be confidential

Plan Year Comparison

2013-14 2012-13

Are all WUSTL students required to carry health insurance?



Is coverage under WUSTL's health care plan mandatory?



May I waive coverage under WUSTL's health care plan and use my own insurance instead?



Do I have to pay the Student Health & Wellness Fee?



Do I have to provide proof of comparable coverage in order to waive WUSTL's plan?



May I purchase coverage for dependents?




Insurance Cardsimage

To get a copy of your insurance card please follow the steps below:

If you are doing so prior to September 16th, you must first complete the Enrollment Form found at This will notify United Healthcare your intention to be on the Student Health Plan. International students do not need to complete this first step.

Next, please visit and create a new My Account or login into your existing My Account. You will need to use your email account when creating your My Account. Once done, you should have the option to print a copy of your insurance card or request a hard copy to be mailed to you. Please note, that it can take over an hour from when you have confirmed your enrollment into the Student Health Plan to when you will have access in your My Account to print a copy of your card.