All undergraduate students with 9 or more credit hours and all degree seeking graduate students with 6 or more credits REGARDLESS of the type of class (on campus, off campus, on line) will automatically be charged for the UNC student health insurance plan and the cost will be reflected on the student bill. Students have the option to waive out of the plan by completing the on-line waiver via URSA, showing proof of comparable coverage, prior to the deadline, which is the 10th day of classes. Online waiver for Fall/Spring 2015-2016 available through URSA. Deadline for Fall/Spring 2015-2016 waiver will be September 7, 2015 at 8:00 pm.
NOTE TO INTERNATIONAL STUDENTS: International students, REGARDLESS if degree seeking or not degree seeking, are subject to all of the same insurance process and procedures as other students.
Students that are subject to J-Visa requirements must also have full medical insurance coverage. Students have the option to waive out of the UNC insurance plan by completing the on-line waiver via URSA.
Click here for the 2015-2016 Quick Reference Guide
IMPORTANT: If you are on the UNC insurance plan and need to see a Doctor or pick up a prescription prior to receiving your insurance card (will arrive late September), please call Cece Clark at 970-351-1915 to be manually activated and added to the insurance roster.
Informational video for your UNC Health insurance coverage:
For claims and benefit information, plan highlights and enrollment procedures visit
The UNC Student Health Insurance Plan (SHIP) offers our students an excellent medical insurance option. The Student plan is a major medical insurance plan with a low $500 per year deductible, and then pays covered expenses at 80% in network.
The plan uses the CIGNA network of physicians and can be used anywhere there is a CIGNA provider. The plan includes a pharmaceutical benefit, mental health coverage, physician visits and hospitalization coverage.
The 2015-2016 premium is only $1170 per semester and provides year round coverage if the student keeps the plan for fall and spring semesters.
Students covered on the UNC insurance plan will not have a deductible for covered services at the Student Health Center located in Cassidy Hall. Students will be charged a $20.00 copay and covered services will be paid at 100% instead of the usual 80% plus deductible at an outside clinic. Lab work or other services that are sent out of the Student Health Center will still be subject to the $500 deductible.
Dental and Vision
There is a $500 benefit with the UNC insurance plan for impacted wisdom teeth. There are no other Dental or Vision benefits with this plan. Students are offered discounts from local providers.
Providers offering discounts for UNC students;
-Ryan Bingham DDS (dentist) 970-353-2340
-Greeley Dental Health 970-353-4329
-Vision Center 970-330-0854 or 353-8958
(Call providers for specific discount information)
Campus Policy Regarding Health Insurance
- It is a policy of the UNC Board of Trustees that all students who are enrolled for 9 credit hours, or Graduate students enrolled for 6 or more credit hours, are required to have health insurance. This is to ensure that health care costs will not interfere with your academic goals.
- All undergraduate students with 9 or more semester hours are automatically enrolled in the university student health insurance plan and billed with other university services. All graduate students with 6 or more semester hours are automatically enrolled in the university student health insurance plan and billed along with other university services.
- If you have other comparable insurance, you must show proof of insurance and
submit an online waiver by the 10th
day of classes. (See what qualifies as
comparable insurance here).
- We do not accept paper waivers, and you do not need to
submit a copy of your insurance card to the Insurance Office. The
entire waiver process is handled through the online waiver system.
- Every student who meets the above criteria must do a new waiver every fall. If you did not complete a Fall waiver and wish to waive the Insurance for Spring semester, you must complete the online waiver.
- Online waiver for Fall/Spring 2015-2016 available through URSA. Deadline to waive UNC insurance plan for Fall/Spring 2015-2016 is September 7, 2015 at 8:00pm.
If you participate in a Health Care Sharing Ministry Program approved by the Federal Health and Human Services division, contact the Student Health Insurance office at 970-351-1915 or email firstname.lastname@example.org for further instructions on waiving the UNC insurance plan.
Download a copy of the 2015-2016 Plan Brochure here. If you have any questions about UNC's Student Health Insurance Program please feel free to contact the Insurance Office in Cassidy Hall at 970-351-1915 or by e-mail at email@example.com. We look forward to helping you reach your academic and career goals while attending the University of Northern Colorado.
If you are covered under the UNC insurance plan, you must contact the Student Health Center at 970-351-2412 prior to seeking care elsewhere. If you are 20 miles or more away from the health center or the health center is closed, you may see any participating provider. To locate a participating provider, visit: www.mycignaforhealth.com
Instructions for Accessing The Online Waiver Form:
- If you already have an URSA account, you may log into http://ursa.unco.edu, choose the Financial tab and locate the link to the "UNC Student Health Insurance Plan Online Waiver System". Scroll all the way to the bottom of the paragraph and choose the blue begin button. If you are timed out, call Cece Clark at 970-351-1915 or email firstname.lastname@example.org to have your waiver reset.
- IMPORTANT: Please be sure to have your insurance card available before you enter the online waiver system!
- If you have been admitted, but do not have an URSA account, access the URSA home page at http://ursa.unco.edu and create your student account from the link titled "NEW STUDENTS START HERE." Once your account has been established, follow the same steps as in item 1 above.
- Online waiver for Fall/Spring 2015-2016 available through URSA. Deadline to waive UNC insurance plan for Fall/Spring 2015-2016 will be September 7, 2015 at 8:00pm.