Learn about your school insurance plan’s specific benefits and requirements to make an informed choice. Review the coverage details, costs, and network providers to understand how the plan meets your healthcare needs.
All registered full-time Domestic Undergraduate and matriculated students taking 9 or more credits are required to have health insurance coverage, either through this Student Health Insurance Plan or through another individual or family plan. Students are automatically enrolled in the Student Health Insurance Plan at registration and the premium is added to the student’s tuition fees unless proof of comparable coverage is provided by completing the waiver by the Waiver Deadline date.
All registered Domestic Graduate and part-time students taking 6 or more credits are eligible to enroll in this Student Health Insurance Plan on a voluntary basis.
All registered International students taking at least 1 credit are required to have health insurance coverage. Students are automatically enrolled in the Student Health Insurance Plan at registration and the premium is added to the student’s tuition fees unless proof of comparable coverage is provided by completing the waiver.
When deciding whether to opt-in or opt-out of the Student Health Insurance Plan, Saint Michael’s College strongly recommends that students review their health insurance policies to ensure that their coverage provides equal or better benefits and that they are covered in the Colchester, VT area.
Click here to waive or enroll in coverage: https://www.studentinsurance.com/Client/Home/Splash/902,
Note: The deadline to waive or enroll in coverage is September 25, 2026.
| Coverage Type | Annual 8/13/26 – 8/12/27 |
Fall 8/13/26 – 12/31/26 |
Spring/Summer 1/1/27 – 8/12/27 |
Summer 5/13/27 – 8/12/27 |
|---|---|---|---|---|
| Student | $3,098 | $1,197 | $1,901 | $781 |
| Spouse | $3,098 | $1,197 | $1,901 | $781 |
| Child | $3,098 | $1,197 | $1,901 | $781 |
| 3 + Children | $9,294 | $3,591 | $5,703 | $2,343 |
If you have lost your health insurance coverage, you may be eligible to join the student health insurance plan under a Qualifying Life Event.
| Plan Features | Cigna OAP PPO | |
|---|---|---|
| In-Network | Out-of-Network | |
| Contract-Year Deductible Individual/Family | $250 / $500 | $750 / $1,500 |
| Out-of-Pocket Limit Individual/Family | $7,350/ $14,700 | No maximum |
| Coinsurance | 80% of negotiated charge | 60% of usual and customary |
| Medical Coverage | You pay: | |
| Preventive Care | Covered in full | 40% after deductible |
| Primary Care | $25 copay (dw) | 40% after deductible |
| Mental Health Office Visit | $25 copay (dw) | 40% after deductible |
| Chiropractic (30 visits/year) | 20% after deductible | 40% after deductible |
| Urgent Care | 20% after deductible | 20% after deductible |
| Emergency Room | 20% after deductible | |
| Prescription Drugs (30-day supply) | ||
| Generic | $20 copay | 40% coinsurance |
| Preferred Brand | $40 copay | 40% coinsurance |
| Non-Preferred Brand | $60 copay | 40% coinsurance |
| Specialty | $60 copay | 40% coinsurance |
(dw) = Deductible Waived
Annual checkups help you stay healthy. Take care of yourself by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.
Call your doctor to schedule your FREE annual checkup today! Need to find a doctor? Click here: www.studentinsurance.com/Client/902
Students age 20 and under have access to dental and vision benefits up to the last day of the month in which you turn 21.
You have access to the following dental coverage each benefit year in which you are eligible:
You have access to the following vision coverage each benefit year in which you are eligible:
Included in the WellFleet medical coverage is a $10,000 AD&D benefit in the event of death or dismemberment.
Locate a healthcare provider or facility in your plan’s network. Click here: www.studentinsurance.com/Client/902
Click here: https://www.studentinsurance.com/MyAccount/Account/Index/902 to get your ID Card.
You have free access to the 24/7 Nurseline by calling (800) 634-7629. This program provides:
Appropriate care may include:
Calls are answered 24/7/365 by experienced registered nurses who have been specifically trained to handle telephone health inquiries. This program is not a substitute for doctor visits or emergency response systems. The Nurseline does not answer health plan benefit questions. Health benefit questions should be referred to the Plan Administrator.
CareConnect is an integrated behavioral health program offering students easy access to licensed mental health clinicians 24/7/365 via telephone (888) 857-5462 and website access to expert mental health and emotional wellbeing resources. The CareConnect hotline is available at no additional cost to you, and you also have free access to courses, articles, and short videos that support mental health and wellbeing by visiting careconnect.mysupportportal.com/welcome
Wellfleet Student provides access to a comprehensive program that will arrange emergency medical and travel assistance services, repatriation services and other travel assistance services when you are traveling. For general inquiries regarding the travel access assistance services coverage, please call Wellfleet Student at (877) 657-5030, TTY 711.
If you are traveling and need assistance in North America, call the Assistance Center toll-free at:
(877) 305-1966 or if you are in a foreign country, call collect at: (715) 295-9311.
Is the student health insurance comprehensive i.e., includes hospitalization if needed?
Yes, the plan offered is ACA compliant and covers all Essential Health Benefits. It is rated as a Platinum level plan for those familiar with metal levels for ACA plans.
Does the student health insurance include dental coverage?
No. Student Health Insurance Plan does not offer dental coverage.
However, there is pediatric dental coverage within the medical plan for students under age 21 who are enrolled on the plan.
Am I eligible for the student health insurance plan?
All registered full-time Domestic Undergraduate and matriculated students taking 9 or more credits are required to have health insurance coverage, either through this Student Health Insurance Plan or through another individual or family plan.
What is the coverage period?
The plan runs for 12 months (the full academic year, 8/13/2026 – 8/12/2027) if you meet the eligibility requirements.
If I have my own coverage that meets the waiver requirements, how often do I need to submit a waiver application?
Saint Michale’s College requires one completed waiver per academic year.
Does the student health insurance cover student medical expenses off campus or when traveling (e.g., to home state)?
Yes, the Student Health Insurance Plan uses the Cigna OAP network, which is recognized nationally. As always, please confirm with the provider that they are in-network before services are rendered.
How can I find in-network providers?
Use the Find a Provider (www.studentinsurance.com/Client/902) tool. While this list is kept up to date, we recommend confirming with both the provider and facility that they are in-network before the time of service to ensure the lowest out-of-pocket costs.
What happens if my waiver application is denied?
All students are required to carry medical insurance that offers comprehensive access to care. If your waiver application is denied for not meeting the Saint Michael’s College requirements, you will be required to take school’s Student Health Insurance. Should you choose to appeal a denied waiver, please follow the instructions provided on your denied waiver notification.
What happens if I lose my own or my parent’s coverage mid-semester? Can I join the Saint Michael’s College Student Health Insurance Plan?
You may be eligible to join the plan mid-semester if you experience a Qualifying Life Event (QLE), such as loss of coverage.
These videos walk you through each step of finding your school’s plan, understanding your coverage options, and completing enrollment or waiver forms. Watch to get a clear visual guide that makes navigating student health insurance simple and straightforward.
