Student Insurance

Enrollment and coverage

  • Enrollment in Western Michigan University student insurance for spring 2015 will be accepted from Dec. 1 through Jan. 30 at the Aetna Student Health website.
  • Insurance does not include dental coverage. A dental discount card is available for purchase on Aetna's website.
  • Coverage is detailed in the benefits summary PDF provided by Aetna. 

International students

Health insurance is mandatory while studying in the United States and is automatically purchased for you and charged to your University account. Your tuition bill will show the insurance fee. The $1,819 fee that appears on your student account is for spring and summer 2015 insurance.

Waiver requests

In order to match the WMU student insurance policy for waiver purposes, the following requirements need to be met for private insurance for the 2014-15 academic year:

  • Minimum of $250,000 coverage per injury or sickness (including hospitalization, surgery, mental health, prescription medicine, physical therapy and pregnancy)
  • Annual deductible can be no higher than $500
  • Minimum of 80 percent coverage after the deductible is met
  • Must be translated into English
  • Must cover a pre-existing condition, no waiting period is allowed
  • Must have at least $10,000 medical evacuation and $7,500 repatriation benefits

Domestic students

To purchase the policy:

  1. Visit the Aetna Student Health website
  2. Select the correct options from the drop down boxes and fill in the correct information as you complete the step-by-step process

  3. Once a confirmation page is shown you have completed the enrollment process

Coverage begins Jan. 1, no matter what day you purchase during open enrollment. Students must have at least one spring credit hour to qualify to purchase.

If you lose health insurance from a different source in the middle of a semester, contact the Sindecuse Health Center student insurance office to see if you qualify for mid-semester enrollment in the WMU student insurance program.

Graduate appointees

Enrollment using a graduate appointee benefit is available Jan. 8 through Jan. 30 for spring 2015. You will receive email instructions from the Graduate College regarding enrollment.

Students receiving financial aid

If you receive enough financial aid to cover the per-semester insurance premium, and would like to use that money to purchase insurance, please email Students who have signed up for WMU's monthly automatic payment plan may choose to have the insurance premium charged to their University account. Those requests should also be sent to


All dependent enrollment is done online at Aetna Student Health. Domestic students will include dependents when they enroll themselves. International students and graduate assistants will use the appropriate form for their specific status.

Filing claims

Sindecuse Health Center claims will be submitted directly to the student insurance company. The policy is part of the Aetna PPO network. If you need to see a specialist (with a referral from Sindecuse), or if you are farther than 25 miles from campus, you can access the DocFind section on the Aetna Student Health website to locate a participating provider. Insurance payments for preferred providers versus out-of-network providers are explained in the student insurance policy brochure available online.


If you have any questions regarding the WMU student health insurance program, please email Cindy Clegg or call (269) 387-3266.

Insurance office hours

The student health insurance office is located in room 2236 on the main level of the health center, to the right of the Pharmacy entrance. Turn right just after entering the sliding front doors.

Monday, Tuesday, Wednesday, Friday
8 a.m. to noon and 2 to 5 p.m.

9 a.m. to noon and 2 to 5 p.m.