Insurance

WMU Sponsored Student Health Insurance – Aetna Student Insurance

New domestic student enrollees: Enrollment will be accepted for the Fall 2009 semester WMU student health insurance program between now and September 18th. To purchase the policy, please go to www.aetnastudenthealth.com, click on "students - find your school". Complete policy information can be found under menu option "Plans & Products". Online enrollment is available by choosing "Insurance Selection". Coverage begins on August 24th, no matter what day you purchase during open enrollment. Students must have at least one Fall 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.

Note: There are 2 policies to choose from – Basic and Comprehensive – Please choose carefully.

Graduate Assistants– Enrollment using your GA 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 Fall tuition bill will show the Fall insurance fee. Your Spring tuition bill will show the Spring/Summer insurance fee. If you are a new WMU student for the Summer semester, your bill will only show the Summer insurance fee. To waive, please provide proof of private insurance coverage in the Sindecuse Health Center Student Insurance Office before Sept 18th. The requirements for a private insurance are:

  • Minimum of $75,000 coverage per injury or sickness (including hospitalization).
  • Annual deductible no higher than $200.
  • Minimum of 80% coverage after the deductible is met.
  • Minimum of $1,000 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 continue covering pre-existing conditions if student had at least 6 months of prior insurance coverage.
  • Must have at least $10,000 medical evacuation and $7,500 repatriation benefits.
  • In order to waive the full 09-10 school year insurance fee, coverage must be in effect on the day you arrive in the U.S., but no later than Sept 8, 2009 and go through Aug 23, 2010 or the day you leave the U.S.
  • In order to waive Fall 09 semester only, insurance coverage must be in effect on the day you arrive in the U.S., but no later than Sept 8, 2009, and must not expire before Jan 11, 2010 unless you provide proof you’re leaving the U.S (i.e. airline ticket).

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.

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.

Financial Aid students: The insurance premium may be able to be paid out of your financial aid account if you contact the Student Insurance Office prior to the Financial Aid Office's money disbursement date. This option will be available beginning with Fall 2009, and requests must be submitted to the insurance office before Aug 21st. If you miss that date, simply use the appropriate amount from your financial aid disbursement check to enroll yourself on the Aetna Student Health website, and you will have accomplished the same goal with the same money.

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.

Insurance Office hours:
Monday 8-12 and 2-5
Tuesday 8-12 and 2-5
Wednesday 8-12 and 2-5
Thursday 9-12 and 2-5
Friday 8-12 and 2-5

 

Sindecuse Health Center
Western Michigan University
Kalamazoo MI 5445 USA
(269) 387-3287 | (269) 387-3204 Fax
shc-webmail@wmich.edu