Student Health Insurance Program

All Undergraduate students taking 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, online only) are required to have full coverage health insurance. You will automatically be charged for the UNC Student Health Insurance Plan and the cost will be added to your UNC student bill.

Students have the option to waive out of the plan by completing the online insurance waiver showing proof of comparable coverage prior to the deadline, which is always the 10th day of classes each semester. If you waive the insurance plan for Fall semester, the charge for Spring semester will also be waived. If you have questions regarding re-enrollment in the UNC Insurance Plan, contact cecelia.clark@unco.edu or call 970-351-1915.

Insurance Plan Information

The UNC Insurance Plan offers our students an excellent medical insurance option. The 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.

  • What you need to know if you are covered by the UNC Health Insurance Plan

    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 copay and covered services will be paid at 100%. You will be responsible for the $500 deductible if you go to a clinic other than the Student Health Center. Lab work or other services that are sent outside of the health Center will also be subject to the yearly deductible.

    If you are living on campus or within 20 miles of campus, you are required to seek care at the health center first. If the health center is closed or you live more than 20 miles away from campus, you may see any Cigna provider, however, the $500 annual deductible will apply. If you need to see a Specialist, contact the health center for a referral. If you do not have a referral on file, your claim may be denied.

  • When will I get my insurance card?

    If you did not waive the school insurance you will automatically be enrolled and charged for the UNC Insurance Plan. You will receive your card after open enrollment has ended. Open enrollment ends 10 days after classes start so you should received an insurance card within four weeks of the deadline to waive the insurance. If you need to see a Doctor before you get your insurance card, contact Cece Clark at cecelia.clark@unco.edu or call 970-351-1915.

  • How do I know if my doctor is in network with the school insurance plan?

    If you are more than 20 miles from campus, you can see any doctor that participates in the Cigna Network. If you already have a doctor that you prefer to see, call them and ask if they are in network. To locate other doctors in your area visit Academic Health Plans website for a list of doctors and other general information regarding the school insurance plan.

  • NCAA Athletes on the UNC Insurance Plan

     Any NCAA athlete on the school insurance plan must purchase a "Sports Rider" through the Insurance Office. The school insurance does not cover injuries sustained during practice or play for NCAA sports.