Student Insurance

Important note about WMU-sponsored student insurance

  • Enrollment for summer 2014 will be accepted from April 7 through May 16.
  • WMU student insurance does not include dental coverage. A dental discount card is available for purchase on Aetna's web site.

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 $821 fee that appears on your student account is for summer 2014 insurance.

Waiver requests

In order to match the WMU basic student insurance policy for waiver purposes, the following requirements would need to be met for private insurance in summer 2014:

  • Minimum of $500,000 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, six month waiting period is allowed
  • Must have at least $10,000 medical evacuation and $7,500 repatriation benefits

Do not purchase coverage for fall 2014 yet, as waiver requirements may change

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 May 1, no matter what day you purchase during open enrollment. Students must have at least one summer credit hour to qualify to purchase.

If you are simply renewing your spring coverage, summer enrollment is not required.

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 a mid-semester enrollment in the WMU student insurance program.

Graduate and teaching assistants

Enrollment using your Graduate Assistant / Teaching Assistant benefit is only done at the beginning of the fall and spring semesters. Fall 2014 enrollment will be available in August 2014. Please check back then for instructions.

Financial-aid students

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

Enrolling dependents

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

Filing claims

Sindecuse Health Center claims will be submitted directly to our student insurance company. Our policy is a member 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 found 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

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.