Health Insurance for J-1 Students

Purchase or Waive UNCW Health Insurance

All international students are required to demonstrate that they have adequate health insurance that provides coverage in the United States and provides benefits equal to or greater than the following U.S. Department of State requirements.

What is your health insurance status?

Choose the statement below which best describes your insurance status.

I already have insurance that meets the requirements

If you already have insurance that that meets the requirements, you must submit proof of your insurance through the UNCW Student Blue insurance portal. If you fail to submit proof of insurance, you will be charged $1280/semester for the regular UNCW student health insurance.

NOTE: Your home insurance must cover

  • August 1st until December 31st (for fall semester)

  • August 1st until May 31st (for full-year students)

  • January 1st until May 31st (for spring students)

Navigate to the BlueCross BlueShield of North Carolina insurance for UNCW. To waive, from the top of the page select 'Waive.' Follow the link on the middle of the next page titled 'Request a Waiver.' On the next page, if you have not already created a profile, click the "New Users" tab. On the New Users tab, click the "Request a Waiver" link. Enter your information to create a profile. After you register, you will be able to complete a form to waive UNCW's health insurance.

If declined: It is not uncommon for the online waiver system to reject health insurance information that contains a non-U. S. address. If your non-UNCW health insurance information was rejected, follow the instructions you receive in the notice of rejection email for submitting additional information about your health insurance. Usually students' non-U.S. insurance is accepted after you submit additional information.

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Your insurance documentation (submitted for the waiver) must show coverage that specifically shows the below requirements benefits IN ENGLISH:

  • Medical benefits of at least $100,000 per person per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Medical Evacuation coverage in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness
  • Underwritten by an insurance corporation having an A.M. Best rating of “A-” or above; a McGraw Hill Financial/Standard & Poor’s Claims-paying Ability rating of “A-” or above; a Weiss Research, Inc. rating of “B+” or above; a Fitch Ratings, Inc. rating of “A-” or above; a Moody’s Investor Services rating of “A3” or above; or such other rating as the Department of State may from time to time specify; or Backed by the full faith and credit of the government of the exchange visitor’s home country

If you have questions about your insurance waiver, you can e-mail health insurance questions to Tabitha Summerlin in the Student Health Center.

Below is a list of members of NAFSA: Association of International Educators "Global Partners" who provide health insurance for international students and scholars. You can contact these companies directly for insurance quotes:

Insurance Company Contact information
Ascension Benefits & Insurance Solutions 800.404.4969
Compass Benefits Group 800.767.0169
Cultural Insurance Services International (CISI) 800.303.8120
GeoBlue 855.682.7965
International SOS 800.523.8662
Inext insurance 855.578.6398
International Student Insurance 877.758.4391
International Student Protection 877.738.5787
ISO - International Student Organization 800.244.1180
LewerMark Student Insurance 800.821.7715
PGH Global 888.251.6253
RCM&D 800.346.4075

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Purchase Regular UNCW Student Health Insurance -$1280/semester

If you fail to submit proof of health insurance, you will be enrolled and billed for the regular UNCW student health insurance listed below. If you WANT to purchase the regular UNCW student health insurance, follow the instructions below.

About the regular UNCW student health insurance (StudentBlue Insurance)

  • Cost: $1280 per semester
  • Plan Summary: 2018-2019 Plan Benefits
  • Plan Provider: Blue Cross Blue Shield of North Carolina (BCBSNC)
  • Billed to Your UNCW Account: If you choose to purchase the UNCW health insurance, the insurance premium of $1280 per semester will be billed to your student account.

Enroll in the Regular UNCW student health insurance - $1280/semester

Navigate to the BlueCross BlueShield of North Carolina insurance for UNCW. To enroll/purchase the insurance, from the top menu, select "Enrollment & Waiver." Follow the first blue link on the middle page titled 'Go to Enrollment or Waiver.' On the next page, you will be asked to register. After you register, you will be able to complete a form to enroll in UNCW's health insurance. Use the following answers to make sure you are placed in the "Mandatory" insurance rate:

  1. Are you eligible to pay the student health center fee? YES
  2. Are you a state employee? NO
  3. Are all of your classes distance learning, off-campus, or online? NO
  4. Are you a graduate student? NO
  5. Are you an undergraduate student? YES
  6. Are you taking 6 credits or more? YES
  7. Are you seeking a degree? YES (yes, at your home university)

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I think I'm covered by my home uni's health insurance

As of May 2015, the following UNCW exchange partners provide health insurance for their outbound study abroad students.

Country UNCW Exchange Partner
Australia University of Canberra
Australia University of Newcastle
Australia Western Sydney University
Australia University of Wollongong
Japan Osaka Kyoiku University
Multi-Country ISEP - International Student Exchange Program
United Kingdom Keele University
United Kingdom Swansea University
United Kingdom University of Hertfordshire

If your university is listed above, make sure you receive proof of health insurance from your university. Once you have proof of insurance, complete the instructions under I already have insurance that meets the requirements.

If you fail to submit proof of health insurance, you will be enrolled and billed for the regular UNCW student health insurance at a cost of $1280/semester.

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I want to ignore the health insurance requirement (and save money)

Going without health insurance in the U.S. can be VERY EXPENSIVE!!!

Medical expenses in the US are very expensive compared to most countries since our health system is privatized; an unexpected trip to the hospital for a broken leg can easily cost you tens of thousands of dollars. If your health insurance does not cover these costs, YOU will be responsible for paying the hospital directly.

Also, the U.S. Department of State requires all exchange students on a J1 visa to have adequate health insurance. If you purposefully cancel your health insurance, you can be sent home early for violating your J1 visa status.

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