Mandatory Graduate Student Health Insurance

UNLV is now partnering with a new enrollment company, Academic HealthPlans (AHP). Please visit AHP's website to review.

Health Insurance Requirements for Domestic Graduate and Professional Students

In May 2013, the Graduate & Professional Student Association (GPSA) passed a motion to recommend that all fully admitted graduate and professional students taking 9 credits or more per semester, and all graduate assistants, must have health insurance coverage either through UNLV or their own carrier. In June 2013, the NSHE Board of Regents supported and approved this proposal. As a result, the mandatory hard waiver student health insurance policy went into effect for the fall 2013 semester.

What Does This Mean?

Students who are admitted into a graduate program and are enrolled in 9 credits or more (regardless of the course level) in a semester, all graduate assistants, and all Law students enrolled in 12 credits or more will be automatically billed for student health insurance. It is then incumbent upon those students who already have health insurance to complete the online waiver form to waive out of the UNLV student health insurance. Once approved, a health insurance waiver is good for one academic year.

UNLV is now partnering with a new enrollment company, Academic HealthPlans (AHP). Please visit AHP's website to review.

Will My Health Insurance Fee Be Included in My Financial Aid?

Students who would like to have their UNLV graduate health insurance fees considered as part of their educational expenses may complete a cost of attendance appeal with the Financial Aid & Scholarships Office.

In some instances, students may be considered for additional federal student loans to help pay their health insurance costs. The contact information for the Financial Aid & Scholarships Office, as well as additional information regarding the cost of attendance appeal process, can be found at the Financial Aid site.

In terms of financial aid disbursements, for full-time graduate and professional students and GAs who have the health insurance fee on their student account, this could impact any financial aid refund they may be expecting to receive. However, if they submit a waiver and are approved, the health insurance fee will be removed from their account and a refund for the difference would be returned to the student from Financial Aid. Additional questions about the impact of this health insurance policy on student aid? Please contact the UNLV Financial Aid and Scholarships Office.

When Can I Submit a Health Insurance Waiver?

After the health insurance fee appears on a student account, students will have to wait three business days before they are able to submit their health insurance fee waiver. This is the amount of time it takes for their information to be sent to our health insurance enrollment company, Academic HealthPlans; once they have it, students will be recognized in their system as a UNLV student impacted by the mandatory health insurance policy, and thereby be able to submit a waiver. If students attempt to submit a waiver before the three full business day timeline, they will not be recognized by the Academic HealthPlans system and their waiver will not process.

What Are the Minimum Requirements to Waive Out of the UNLV Health Insurance?

To qualify for the fee waiver, students must be enrolled in an alternate insurance plan by Aug. 16, 2020. A student's health insurance policy must be comparable to, or more comprehensive than, the coverage offered through the UNLV Student Health Insurance Plan. Students will also be allowed to waive out if they are insured through any of the following programs:

  • Medicaid
  • Medicare
  • Veterans Health Care
  • Certain plans offered through Nevada Health Link
  • Indian Health Service
What Information Will I Need to Complete the Waiver Form?
  • Name of insurance company
  • Phone number of insurance company
  • Group and medical ID number of insurance plan
  • Does the plan provide primary care services within 25 miles of UNLV?
  • Does the plan provide emergency care within 25 miles of UNLV?
  • How much does the plan pay for inpatient hospitalization?
  • Does the plan have inpatient and outpatient mental health benefits?
  • What is the plan’s annual deductible per person?
  • Does the plan provide prescription medication coverage?

If students are sure they want to waive out of the UNLV mandatory health insurance plan, they must have their health insurance policy information available and proceed to the online waiver form. They will need to upload a copy of their Insurance ID card into the waiver system. Academic HealthPlans audits all approved waiver requests. If the insurance information submitted by any student cannot be verified, the student health insurance fee will be charged, and the student will be responsible for the fee and enrolled in the student health insurance plan.

Waiver Form for Domestic Students

What Happens After I Complete the Waiver Form?

Once the waiver is submitted, and if all the questions asked in the waiver are answered correctly, then the student will receive an email that the waiver has been "submitted." The insurance is audited immediately, and in about 5-7 days you will receive another email stating whether the waiver passed or not. Additional information may be requested from the student to complete the audit. If additional information is required, the student will have the ability to re-enter the waiver to submit requested information. Once the waiver is "approved" then it will take approximately 3-5 business days for the fee to be removed from the MyUNLV account.

What is the Deadline to Submit a Waiver?

We will begin accepting waivers on November 13, 2020. Feb. 26, 2021, is the deadline to submit a waiver for the Spring 2021 semester to waive out of the UNLV Student Health Insurance. The waiver link will be turned off on Feb. 26, 2021. Thus, if students fail to submit their waiver by the end of the day on Feb. 26, they will be required to pay the cost for student health insurance for the Spring 2021 semester, and late fees will be charged if the student health insurance fee is not paid by Feb. 26. This is non-negotiable. The waiver covers the academic year. Students will need to waive out every academic year.

What is the Cost of Insurance for the 2020-2021 Academic Year

Graduate, Law and International Students (8/16/20-8/15/21)

  • Fall: $1,146
  • Spring/Summer: $1,662

Nursing Graduate Students (9/1/20-8/31/21)

  • Fall: $969
  • Spring/Summer: $1,838

Dental Students

  • Annual: $2,639
Do I Have to Enroll My Dependents?

Students do not have to enroll their dependents. If students would like to enroll their dependents, they can do this on the AHP website on the "Enrollment" page. Dependents must be enrolled in the same period of coverage in which the student is enrolled.

Do I Have the Option of Purchasing Other Coverage and Submitting a Waiver for the Spring Semester?

If students obtain other coverage for the Spring semester, they will need to contact UNLV at insurancewaiver.grads@unlv.edu

I Am an Admitted Graduate Student, but I Am Neither Enrolled in 9 Credits nor a GA. Can I Still Enroll in the UNLV Student Health Insurance Plan?

Yes, all admitted graduate and professional students are eligible to enroll in the UNLV graduate student health insurance plan. If students do not fall in either required category (i.e., 9 or more credits or a GA) then they will need to contact Academic HealthPlans to enroll in the student health insurance plan and receive the discounted UNLV graduate and professional student rates. Please follow the Voluntary Enrollment Link. Enrollment applications will be accepted through Oct. 5, 2020 for the Fall semester.

Questions?

Feel free to email insurancewaiver.grads@unlv.edu.