Student Health Insurance
Insurance
WMU Sponsored Student Health Insurance—
Aetna Student Insurance
New Domestic Student Enrollees
Enrollment will be accepted for the SUMMER semester WMU student health insurance program between April 1 and May 18.
To purchase the policy:
- Visit www.aetnastudenthealth.com
- Click on WMU from the drop-down list in the upper right corner.
- Complete policy information can be found under menu option "Domestic students enroll."
- Online enrollment is available by choosing "Enroll here."
Coverage begins May 2, no matter what day you purchase during open enrollment.
Students must have at least one SUMMER credit hour at WMU 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 a mid-semester enrollment in the WMU program.
Graduate/Teaching Assistants
Enrollment using your GA/TA benefit subsidy is only done at the beginning of the fall and/or spring semesters. Do not enroll on the Aetna website. Go to www.wmich.edu/grad for info and to enroll in the insurance program.
International Students
Health insurance is mandatory while studying in the US, and is automatically purchased for you and charged to your university account. Your SPRING tuition bill will show the SPRING/SUMMER insurance fee. Students newly arriving for the summer semester will only be charged for summer insurance.
Waiver requests are handled in the Student Insurance Office during the open enrollment/waiver period. The waiver deadline is May 18.
The requirements for a private insurance are:
- Minimum of $75,000 coverage per injury or sickness (including hospitalization).
- Deductible no higher than $350.
- Minimum of 80% coverage after the deductible is met.
- Minimum of $750 prescription coverage.
- Minimum of $500 outpatient mental health coverage.
- Minimum of $10,000 inpatient mental health coverage.
- Minimum of $1,000 physical therapy coverage.
- Must cover maternity expenses.
- Must be translated into English.
- Must cover a pre-existing condition after 6 months, or continue covering a pre-existing condition if student had at least 6 months of prior insurance coverage.
- Must have at least $10,000 medical evacuation and $7,500 repatriation benefits.
- NEW STUDENTS - Coverage must be in effect the day you arrive in the US or by the first day of SUMMER classes at the absolute latest (May 7) and continue through the end of Summer II (August 23).
- You will have ONE opportunity per school year to waive.
- MAKE SURE YOUR PRIVATE POLICY COVERS ALL SEMESTERS YOU PLAN TO ENROLL FOR THE REMAINDER OF THE 2011–2012 SCHOOL YEAR.
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.
Submitting 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 further 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 vs. Out-of-Network Providers are explained in the student insurance policy brochure found online.
Questions?
If you have any questions regarding the WMU Student Health Insurance Program, please contact Cindy Clegg at cindy.clegg@wmich.edu or 269-387-3266.
INFORMATION REGARDING THE 2012-2013 STUDENT INSURANCE POLICY WILL BE POSTED TO THIS WEBSITE AS SOON AS IT IS AVAILABLE.
Insurance Office Hours
Monday
8 a.m.–noon and 2–5 p.m.
Tuesday
8 a.m.–noon and 2–5 p.m.
Wednesday
8 a.m.–noon and 2–5 p.m.
Thursday
9 a.m.–noon and 2–5 p.m.
Friday
8 a.m.–noon and 2–5 p.m.