Student Health Insurance Frequently Asked Questions

Health Insurance Requirements for Admitted Domestic Graduate & Professional Students

All graduate students taking 9 credits or more per semester, all graduate assistants taking 6 credits or more, and all Law students taking 12 credits or more, must have health insurance coverage either through UNLV, or the insurance carrier of their choice. What that means is that all full time graduate and professional students will be charged for UNLV student health insurance. If you are able to provide proof that you carry alternate insurance from a non-UNLV provider, you may qualify for a waiver and the UNLV health insurance fee will be removed from your account.

Student Health Insurance Fee for the fall 2020 semester is $1,146 for Graduate, Professional and International students. This will provide insurance from August 16, 2020 through January 11, 2021.

The Student Health Insurance Fee for Graduate and Undergraduate nursing students for the fall 2020 semester is $969.00, which provides insurance coverage from September 1, 2020 to January 4, 2021.

The Graduate/Professional and International Spring/Summer semester fee is $1,662.00 and will provide coverage from January 12, 2021 to August 15, 2021. The fee for Graduate and Undergraduate Nursing students for the Spring/Summer term is $1,838.00, with coverage dates of January 5, 2021 to August 31, 2021.

The fall waiver site for Grads, International and Nursing students will open on May 4, 2020. The deadline for submitting a waiver for the Fall, 2020 semester is October 5, 2020.

The spring waiver site for Grads, International and Nursing students will open on November 13, 2020. The deadline for submitting a waiver for the Spring 2020 semester is February 26, 2021.

Please visit the Student Health Insurance Plan waiver information page for details.

Frequently Asked Questions

What is Student Health Insurance (SHI)?

Student Health Insurance (SHI) is a medical insurance plan available to admitted and enrolled Domestic Graduate and Professional UNLV Students. The plan offers a network of providers and also gives you the option of seeking services outside the network, but at a reduced benefit resulting in higher out-of-pocket expenses. Individuals participating in the plan are required to pay a portion of the cost of services received. The student health insurance plan has a mandatory fee for international students, graduate assistants, and full-time graduate and professional students (with a waiver possible with other, comparable Insurance). The insurance plan is optional for part-time graduate students.

Where can I use it?

Students are encouraged to utilize the on campus Student Wellness Center. Medical, mental health, and lab services are covered at 100% with no deductible and prescriptions only require at $20 copay at the on-site pharmacy using the Student Health Insurance. Services are also available throughout the country with providers who participate in the Cigna Provider Network.

When the UNLV Student Health Center is closed (after-hours, weekends, and holidays), where do I go?

If you have a life-threatening emergency, you may go to any hospital emergency department. You can go to any network provider including UMC Quick Care Centers. You may also call the 24-hour Wellfleet Nurse Advice Line at 800-634-7629. For Behavioral Health Issues call Wellfleet 24 hour Care Connect Counselor line at 888-857-5462.

How do I find a network provider?

You can go online to the insurance company's website at Cigna Provider Network and search for a provider.

What does SHI cover?

Coverage is based on medical necessity and covers inpatient and outpatient hospital visits, mental health services, physician services, emergency and diagnostic services, treatment for alcohol and chemical dependency, maternity, ambulance and home health care as a partial list of services. Please refer to the Wellfleet brochure for a complete list of benefits.

Do I have a deductible or co-pay?

There are no co-pays or deductibles for services received at the Student Wellness Center. When you receive services outside of Student Wellness, you will pay an annual deductible, and there are copays for provider and emergency department visits. Prescriptions have a co-pay of $20 when used at the SHC pharmacy. You will pay 50% of the cost of the medications when purchased outside the SHC pharmacy. They are also subject to the deductible. For detailed information regarding the deductible and co-payments, please refer to the 2018/2019 Wellfleet Student Insurance Plan Documents.

What pharmacy do I use?

Prescriptions have a co-pay of $20 when purchased at the SHC pharmacy. If you use an outside pharmacy, you pay 50% of the costs after you have met your deductible. Dental and Medical Students have a tier price structure of $15.00 for Generics; $45.00 for Preferred Drug and $75.00 for Non-Preferred and Specialty Drugs.

How is it different from the Student Health Fee?

The Student Health Fee is a mandatory fee assessed to enrolled students. It is paid each semester with tuition and registration fees. This fee supports various services offered by the Student Wellness Center including: medical office visits, counseling services, education on nutrition, stress, body image, and various support groups. There is no charge for medical office visits or counseling sessions at Student Wellness. The health fee only covers services received in Student Wellness, whereas the SHI covers services received from Student Wellness and from community providers.

Are all students eligible to enroll?

No. Only students who have been formally admitted to a program and are taking a minimum of three graduate credits are eligible to enroll.

Does it have any pre-existing condition limitations?

No.

Are dental and vision benefits included in SHI?

No, the SHI plan is a medical plan only.

Is my family eligible for SHI?

Yes, you may add your spouse and/or children; however, they cannot be seen at the Student Wellness Center.

What does SHI cost?

For full cost information, please download the Wellfleet Student Insurance Plan Documents. Payments are made by semester, no monthly payment option is available. The premium is higher if you wish to add your spouse and/or children.

Can I sign up any time?

Enrollment for the Fall semester only occurs during the first six weeks of the fall semester. Enrollment for the Spring and Summer sessions occurs during the first six weeks of the spring semester. However, whenever you are terminated from another insurance policy, you can join the health insurance any time within 30 days of the termination of your policy.

How do I sign up?

You can go to Voluntary Enrollment Link to sign up on the website during open enrollment (at the beginning of Fall and Spring semesters); or you can call the plan broker, Academic Health Plans (AHP) directly at 1-855-850-4192  Monday through Friday, 8:00 a.m. to 5 p.m. (Pacific Time).

I’ve lost and/or haven’t received my ID card. How do I request a placement ID card?

There are two ways to request a replacement ID Card:

  1. Call Wellfleet directly at 1-877-657-5030.
  2. Visit the Wellfleet online site where you can print a temporary ID card and request a new one.

Note: In all cases, confirm with the company that your current and correct address is on file to ensure timely delivery of your ID card.

Who can I contact if I have specific questions regarding eligibility, coverage, bills I’ve received, or filing a claim?

The University of Nevada, Las Vegas (UNLV) student insurance broker, Academic Health Plans (AHP), will assist you with any questions that you may have about your student health insurance, help understanding bills, or if you have questions about claims. Contact Academic Health Plans (AHP), 1-855-850-4192, 8 a.m.– 5 p.m. (Pacific), Monday - Friday.

Note: If you visit a network provider, the doctor or the hospital will electronically bill the insurance company so you don't need to submit a claim or any paper forms. To find out if your doctor or hospital is a network provider, visit Find A Doctor.

Please also visit the UNLV Wellfleet student health insurance website for more information.

Can I receive a refund for my student health insurance plan?

Refunds for student insurance are granted only in the following two qualifying events:

  1. You’ve withdrawn from the university or dropped below the minimum required credit hours within 31 days from the start of your student insurance effective dates or;
  2. You’ve entered the Armed Forces.

If you do not meet one of the above two qualifying events, you are not eligible for a refund.

If you meet one of the above two qualifying events, contact Academic Health Plans, (AHP) at 1-855-850-4192​​​​​​​, 8 a.m. – 5 p.m. (Pacific), Monday - Friday.

Note: Refunds may be subject to a $25 processing fee.

Contact

For students with the School Student Health Insurance with Wellfleet:

Wellfleet 24 Hour Nurse Advice Line
800-634-7629

Wellfleet Care Connect Behavioral Health Counseling Line
888-857-5462