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Health Insurance

New Health Insurance Requirements for Domestic Graduate Students Starting Fall 2014

In spring 2014, the Graduate Student Association (GSA) passed a motion to recommend that all degree seeking graduate students enrolled in six or more credit hours per semester must have health insurance coverage either through University of Nevada, Reno’s sponsored student health insurance plan or their comparable health insurance plan. In June 2014, the NSHE Board of Regents supported and approved this initiative. As a result, effective fall 2014, the graduate programs will be Hard Waiver Mandatory for all traditional degree seeking graduate students enrolled in six or more credits.

All domestic degree seeking graduate students, who are enrolled in six or more credits (regardless of the course level) in a semester, will be automatically enrolled and billed for the University sponsored health insurance for each term they are eligible (fall & spring/summer). If a student has other comparable coverage and would like to waive out of the student health insurance, it is the student’s responsibility to complete the University online waiver form prior to the deadline. If approved, a health insurance waiver is good for the current academic year only. A new waiver must be submitted each academic year.

Complete the Health Insurance Waiver before the deadlines listed below to cancel your auto-enrollment.

Domestic Student Health Insurance Costs

Fall 2014: $1,068.89 (8/15/14-1/14/15)

Spring/Summer 2015: $1,481.11 (1/15/15-8/14/15)


Health Insurance Waiver Deadlines for Graduate Students

Fall 2014: *9/8/14

Spring/Summer 2015: *2/2/15

*Please note these are firm dates and no exceptions will be made after the deadline of each term.


Policy FAQs

This mandatory health insurance information is for domestic graduate students only. All international graduate students are required to carry student health insurance, and the cost will be automatically added to your student account. Any international graduate students with insurance questions must contact the Office of International Students and Scholars (OISS) directly. OISS is located in the Fitzgerald Student Services Building (FSSB 120). Their phone number is (775) 784-6874 and their email is oiss@unr.edu.
Visit OISS for more information.

What does hard waiver mandatory mean?

All domestic degree seeking graduate students, who are enrolled in six or more credits (regardless of the course level) in a semester, will be automatically enrolled and billed for the University sponsored health insurance for each term they are eligible (fall & spring/summer). If a student has other comparable coverage and would like to wave out of the student health insurance, it is the student’s responsibility to complete the online waiver form prior to the deadline. If approved, a health insurance waiver is good for the current academic year only. A new waiver must be submitted each academic year.

What is the Student Health Insurance?

Student Health Insurance is a competitively priced health insurance plan tailored to the health care needs of University of Nevada, Reno students. It features year-round, world-wide coverage using the United Healthcare network. This means students can receive convenient, high quality care when they are sick or injured without having to be concerned about cost or availability of the care they need. The Student Health Insurance plan provides optimal coverage for services on campus and in the University of Nevada, Reno community in addition to peace of mind for both parents and students.

An added benefit to having the Student Health Insurance plan is that staff at the University Student Health Center, including the on-site University Health Insurance Coordinator, can offer students assistance with claims issues, insurance education and provide referrals to specialists if they need additional care that the University Student Health Center cannot provide.

Will my health insurance fee be included in my financial aid?

Students who would like to have their University graduate health insurance fees considered as part of their educational expenses may complete a Budget Revision Request with the Financial Aid & Scholarships Office. In some instances, students may be considered for additional federal student loans to help pay their health insurance costs. The contact information for the Financial Aid & Scholarships Office, as well as additional information regarding the cost of attendance appeal process, can be found at the Financial Aid site.

In terms of financial aid disbursements, for full time graduate students and GAs who have the health insurance fee on their student account, this could impact any financial aid refund you may be expecting to receive. However, if you submit a waiver and are approved, the health insurance fee will be removed from your account and a refund for the difference would be returned to the student from Financial Aid.

Additional questions about the impact of this health insurance policy on your student aid? Please contact the University Financial Aid and Scholarships Office.

When can I submit a health insurance waiver?

After the health insurance fee appears on your Student Account, it will take up to three business days for your information to appear in the online waiver system, then allowing you log on and submit your health insurance fee waiver. This is the amount of time it takes for your information to be sent to our health insurance administrator, Wells Fargo Insurance Services. Once your information has been received and processed, you will be able to log into the online waiver system and submit your insurance information using your 10 digit NSHE ID number and your date of birth. If you attempt to submit a waiver before the three full business day timeline, you will not be recognized by the online waiver system and you will not be able to submit your waiver at that time. If the system does not recognize your student id and date of birth, and it has been longer than three business days since you registered for classes, please email gradinsurance@unr.edu.

Get the Wells Fargo online wavier form.

What information will I need to complete the waiver form?

If you do not have the answers to the questions listed below, you should contact your insurance company to collect all of the information prior to completing your waiver.

  • Name of your insurance company
  • Phone number of your insurance company
  • Group and medical ID number of your insurance plan
  • Does your plan provide Primary Care services within 50 miles of University?
  • Does your plan provide Emergency Care within 100 miles of the University?
  • How much does your plan pay for Inpatient Hospitalization?
  • What is your plan’s Annual Deductible per person?
  • Does your plan provide Prescription Medication coverage?

What happens after I complete the waiver form?

REMEMBER! You can only submit the waiver ONE time. Once the wavier has been submitted you’ll receive a “Waiver Accepted” or “Waiver Denied” message based on the answers provided on the waiver form. You will NOT be able to access the waiver system again to make any corrections, so it is important that you have all the correct information in advance of submitting your waiver.

If your waiver is approved, the Cashier’s office will remove the health insurance charged from the student’s account within 7–10 days. If your waiver is denied, you may appeal the denial by submitting an online waiver appeal. An appeal box will be displayed on the denial notification for you to complete. If you exit the page and fail to submit your appeal you can also submit an appeal to the University grad insurance inbox (gradinsurance@unr.edu). Students will be notified of the appeal decision in writing via email within 7-10 days. The appeal decision is final.

When is the deadline to submit a waiver?

Fall 2014: *9/8/14
Spring/Summer 2015: *2/2/15

*Please note these are firm dates and no exceptions will be made after the deadline of each term.

What is the cost of insurance for the 2014-2015 academic year?

The cost breakdown for domestic University Graduate Student Health Insurance for the academic year 2014-15:

  • Fall: (8/15/14 - 1/14/15): $1068.89
  • Spring/Summer: (1/15/15 - 8/14/15) $1,481.11

Please note that all graduate students who do not waive out of the University Student Health Insurance for the spring semester will be enrolled in the spring/summer insurance plan (these are combined). There is not an option to be enrolled in spring only.

Do I have to enroll my dependents?

You do not have to enroll your dependents. If you would like to enroll your dependents, please contact Wells-Fargo directly at (877) 626-2308 or wfis.wellsfargo.com/UNR. The last day to enroll dependents is September 4, 2014. For the spring/summer term dependents must be enrolled by January 29, 2015.

Do I have the option of purchasing other coverage and submitting a waiver for the spring semester?

Yes. If you obtain other coverage for the spring semester you will need to contact the University at gradinsurance@unr.edu.

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