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, undergraduate, domestic students taking 6 or more credits are required to have health 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.
All registered international students taking 6 or more credits are required to have health 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.
Students who are enrolled in the Student Health Plan may also enroll their eligible dependents.
When deciding whether to opt-in or opt-out of the Student Health Insurance Plan, Carleton 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 Northfield, MN area.
Click here to waive Student Health Insurance. The deadline to waive coverage is August 15, 2025.
Students are given one opportunity to waive coverage for the academic year at the beginning of the fall semester, with the exception of spring waivers for students newly admitted for spring term, and students returning from a leave of absence or study abroad program for the spring semester. If you’re a student newly admitted for spring term, please contact Candace Koen at ckoen@carleton.edu.
| Coverage Type | Annual Coverage for Returning Students 8/15/25 – 8/14/26 |
|---|---|
| Student | $2,707 |
| Spouse | $2,707 |
| Each Child | $2,707 |
| 3 or More Children | $8,121 |
If you have lost your health insurance coverage, you may be eligible to join the student health insurance plan under a Qualifying Life Event. Click here for additional information.
| Plan Features | Cigna PPO | |
|---|---|---|
| In-Network | Out-of-Network | |
| Contract-Year Deductible | $150 | $150 |
| Out-of-Pocket Limit Individual/Family | $6,850 / $13,700 | |
| Coinsurance | 80% | 50% |
| Medical Coverage | You pay: | |
| Preventive Care | $0 | 50% deductible waived |
| Primary Care or Naturopath | 20% after deductible | 50% after deductible |
| Specialist | 20% after deductible | 50% after deductible |
| Mental Health/Chemical Dependency | 20% after deductible | 50% after deductible |
| Chiropractic (30 visits/benefit year) | 20% after deductible | 50% after deductible |
| Urgent Care | 20% after deductible | 50% after deductible |
| Emergency Room | 20% after deductible | |
| Prescription Drugs | ||
| Preventive | $0 | |
| Tier 1 | $20 copay | |
| Tier 2 | $40 copay | |
| Tier 3 | $40 copay | |
| Specialty Prescription Drugs | ||
| Tier 1 | $40 copay | |
Note: In-network and out-of-network provider charges accumulate separately toward the deductibles and out-of-pocket limits.
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 and dentist to schedule your FREE annual checkup today! Need to find a doctor? Go to mycigna.com.
Students age 18 and under have access to dental and vision benefits up to the last day of the month in which you turn 19.
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 to find a provider.
Click here to access your insurance ID Card.
Students who enroll and maintain medical coverage in this insurance plan have access to 24 Hour Nurseline. Calls are answered 24/7/365 by a registered nurse to answer health questions and assist in determining the appropriate level of care for an injury or sickness. Call 800-634-7629.
CareConnect offers students access to licensed behavioral health clinicians 24/7/365 at 888-857-5462.
Wellfleet Student provides access to emergency medical and travel assistance, reparation, and other travel assistance services when traveling. For general inquiries regarding the travel access assistance services coverage, call Wellfleet Student at 877-657-5030.
If you are traveling and need assistance, call 877-305-1966 (U.S./Canada) or 715-295-9311 (outside U.S./Canada). When you call, please provide your name, school name, the group number shown on your ID card, and a description of your situation.
Locate a healthcare provider or facility in your plan’s network. Click here.
Click here to access your insurance ID card.
Students who enroll and maintain medical coverage in this insurance plan have access to 24 Hour Nurseline. Calls are answered 24/7/365 by a registered nurse to answer health questions and assist in determining the appropriate level of care for an injury or sickness. Call 800-634-7629.
CareConnect offers students access to licensed behavioral health clinicians 24/7/365 at 888-857-5462.
Wellfleet Student provides access to emergency medical and travel assistance, reparation, and other travel assistance services when traveling. For general inquiries regarding the travel access assistance services coverage, call Wellfleet Student at 877-657-5030.
If you are traveling and need assistance, call 877-305-1966 (U.S./Canada) or 715-295-9311 (outside U.S./Canada). When you call, please provide your name, school name, the group number shown on your ID card, and a description of your situation.
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?
The Carleton College Student Health Insurance Plan has both a pediatric and adult dental benefit. Please refer to the Wellfleet Certificate for additional information on this coverage.
Am I eligible for the student health insurance plan?
All undergraduate and international students taking 6 or more credits hours are eligible and REQUIRED to carry medical insurance. Insured students who are enrolled in the Student Health Plan may also enroll their eligible dependents.
What is the coverage period?
The plan runs for 12 months (the full academic year, 8/15/2025 – 8/14/2026) 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?
Carleton College requires one completed waiver per academic year at the beginning of the fall semester. For newly admitted students in the spring, you will be required to complete a waiver at this time.
Does the student health insurance cover student medical expenses off campus or when traveling (e.g., to home state)?
Yes, the Carleton College Student Health Insurance Plan uses the Cigna PPO 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 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.
How can I download an ID card?
Click here and enter your username and password to download.
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 Carleton College requirements, you will be required to take Carleton College’s Student Health Insurance. Should you choose to appeal a denied waiver, please follow the instructions provided on your denied waiver email from Wellfleet.
What happens if I lose my own or my parent’s coverage mid-semester? Can I join the Carleton 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. Please click here for more information should you experience a QLE.
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.
