Mandatory Graduate Student Health Insurance

This mandatory health insurance information page is for domestic graduate students. All international graduate students are required to carry student health insurance, at the same rates as posted below, and the cost will be automatically added to your student account. International students who wish to waive out of the UNLV student health insurance must contact the office of International Students and Scholars (ISS) for further information. Also, any international graduate students with insurance questions must contact ISS directly. ISS is located in the Office of the Registrar (SSC-C); their phone number is 702-774-6477; and their email is oiss@unlv.edu. You may also visit the ISS website.

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 UNLV online waiver form to waive out of the UNLV student health insurance. Once approved, a health insurance waiver is good for one academic year.

*Please note that students will need to upload their insurance ID card, front and back, when completing the waiver. Also, it is recommend to use Chrome or Internet Explorer, not Firefox, when completing the waiver. 

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 carrier, USI Insurance Services; 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 USI Insurance Services 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, 2018. 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. USI Insurance Services 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?

Approval or denial of a fee waiver request is provided immediately once the request is submitted. Once a waiver is approved, Student Cashiering will remove the health insurance charged from the student’s account within 7–10 days. If a student receives a denied waiver, he or she will be given a box that allows them to fill in their appeal and submit the appeal to the UNLV Grad waiver inbox (insurancewaiver.grads@unlv.edu). If a student exits out of that screen and does not enter an appeal, but later on wishes to file one, their waiver denial email will direct them to send their email directly to the UNLV Grad waiver inbox (insurancewaiver.grads@unlv.edu). Students will be notified of the appeal decision in writing via RebelMail. The appeal decision is final.

What is the Deadline to Submit a Waiver?

We will begin accepting waivers on May 2, 2018. Oct. 3, 2018 is the deadline to submit a waiver for the Fall 2018 semester to waive out of the UNLV Student Health Insurance. The waiver link will be turned off on Oct. 3, 2018. Thus, if students fail to submit their waiver by the end of the day on Oct. 3, they will be required to pay the cost for student health insurance for the Fall 2018 semester, and late fees will be charged if the student health insurance fee is not paid by Oct. 3, 2018. This is non-negotiable. The waiver covers the entire academic year. Students do, however, need to waive out every academic year.

What is the Cost of Insurance for the 2018-2019 Academic Year?

Graduate, Law and International Students (8/16/18 - 8/15/19)

  • Annual: $2,523.15
  • Fall: $1,029.57
  • Spring/Summer: $1,493.58

Nursing Graduate Students (9/1/18 - 8/31/19)

  • Annual: $2,523.15
  • Fall: $884.83
  • Spring/Summer: $1,638.32

Dental Students

  • Annual: $2,380.33
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 contact USI Insurance Services directly at 800-853-5899 Monday-Friday from 8 a.m. to 5 p.m. (Pacific Time). 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 USI Insurance Services to enroll in the student health insurance plan and receive the discounted UNLV graduate and professional student rates. Please follow the Voluntary Enrollment Link or call 800-853-5899 Monday–Friday from 8 a.m. to 5 p.m. (Pacific Time). Enrollment applications will be accepted through Oct. 3, 2018 for the Fall semester.

Questions?

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