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Student Health Services

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Wright State Student Health Insurance Plan Overview


Wright State Student Health Insurance

Upcoming Plan Changes

Students enrolled in the Student Health Insurance Plan for the summer 2021 semester currently have United Healthcare as their provider. This coverage will end on 8/22/21, and United Healthcare will no longer be the provider. For only those enrolled in the summer healthcare plan through United, your plan will change to Anthem as the provider on 8/23/21. However, you can still call United Healthcare at 1-800-767-0700 for assistance, if needed.

For those enrolling in the plan for the fall 2021 semester, your coverage will begin on 8/15/21, with Anthem as the provider. If you have any questions regarding the Anthem plan, please visit the Wright State-specific Anthem site, located at https://student.anthem.com/student/schools/wsu.

2021–22 Student Blanket Injury and Sickness Insurance Plan

Wright State University offers student health insurance through Anthem for your health care needs.

Wright State University assesses the student health insurance premium for domestic students on a per term basis. The premium is added to your current account balance if you are registered for at least six credit hours unless you decline coverage. If you wish to decline coverage, go to WINGS Express, select Student and Financial Aid, Registration and Required Acknowledgement. Please select No if you want to decline coverage.

If you fall below the required six credit hours during the open enrollment period of each semester, the insurance charge will be removed from your account, and any premiums paid will be refunded to you. You must be actively attending classes for the six credit hours for at least the first 31 days for which coverage is purchased to be eligible for student health insurance.

Student health insurance must be declined each semester by the second Friday of the term, or the student will be responsible for payment even if they have other coverage. If you determine you will need insurance after you have declined, return to the Required Acknowledgement page and indicate you want to purchase coverage by the second Friday of the term.

An annual premium is also available to purchase. Please contact the insurance office at 051 Student Union or email nancy.caupp@wright.edu

If during the academic year, you have a qualifying event, you may add the student health insurance plan. However, it must be within 30 days of the qualifying event. Please contact the insurance office if you have a question.

Please note:

  • Covered services rendered at Student Health Services are payable at 100 percent of covered medical expenses.
  • Copays and deductibles are waived when seen at Student Health Services.

This plan provides benefits for a covered injury or sickness which occurs during your term of coverage under this plan. The expenses for the loss must also be incurred during your term of coverage under this plan.

The plan does not pay for expenses payable by any other insurance or pre-payment plan.

To provide maximum benefits at low cost, the plan covers hospital care, office visits for sickness and injury, and surgery except where otherwise noted. Elective surgery is not covered. Participation in all athletic activities, other than interscholastic or intercollegiate sports, is covered.

International students will be granted an exemption only if they have U.S. based insurance coverage through the employer of a spouse or parent. This waiver must be obtained from the University Center for International Education office, 190E Student Union.

Student Health Insurance Coverage and Cost Information


Wright State University student health insurance is a voluntary health insurance program. Enrollment in the program is completed at the time of class registration. Commuter students and Wright State residential students have the option to participate in the plan if enrolled in six credit hours or more. Commuter or residential students may decline coverage and continue with the registration process.

International students (F1/J1 visa status) do not have the option to decline the Wright State health insurance program during the registration process. Following registration, international students who have financial guarantees through their country are required to obtain a waiver through the Wright State University Center for International Education (UCIE), which is authorized to remove the insurance charge.

How To Use Your Plan

  • You can first seek services at Student Health Services
  • You can also access an Anthem in-network provider at anthem.com
  • For a life-threatening or an emergency situation, call 911 or go to your local hospital emergency center

Coverage Dates and Cost

Note: The dates listed below are for new enrollees only for the fall 2021 semester. If you are currently on the United Healthcare plan for the summer 2021 semester, your coverage will begin on 8/23/21.

To see plan highlights and more coverage information, you can view the Anthem Student Advantage Plan Highlights document.

Session/Semester Student Cost
Annual (8/15/2021–8/14/2022) $2,064
Fall (8/15/2021–1/9/2022) $837
Spring/Summer (1/10/2022–8/14/2022) $1,227
Summer (5/9/2022–8/14/2022) - New students only $554

During the first two weeks of each semester of open enrollment, if you need access to your health insurance card, you will need to contact the Student Health Insurance Office so we can initiate a manual upload of your registration into the plan. Send an email to nancy.caupp@wright.edu for further information on securing an insurance card.

Frequently Asked Questions

For commonly asked questions concerning the Wright State University Student Accident and Sickness Insurance Plan, please refer to our Frequently Asked Questions. If you still have any questions concerning coverage or need assistance, please contact Nancy Caupp in the Student Insurance Office at nancy.caupp@wright.edu.

  • I have a specific question about coverage. Who should I contact?

    You should contact United Healthcare Student Resources at 866-782-4768 or the Student Health Insurance Office at nancy.caupp@wright.edu.

  • Can I cancel the student insurance plan coverage once it is in place?

    Prior to the first day of classes for the semester of coverage you may cancel coverage with a full refund of the premium. Visit Wings Express, click on the Student and Financial Aid tab, click on Registration & Records, and click on Required Acknowledgment. Select the term and submit your change.

    You may accept or decline the student health insurance in their WINGS Express account up until the 100 percent refund cut off date. Please check the Academic Calendar for the deadline to decline for each semester.

    If you leave school after the beginning of classes, you will have continuous coverage after 31 days of actively attending classes to the end of the period for which the premium was paid.

    If you enter the armed forces of any country during a period of coverage, you will receive a refund of your unearned pro-rata premium if you request a refund in writing.

    After the published deadline to decline the student insurance plan each semester, all premiums are non-refundable.


  • Can I request exemption from participation in the student insurance plan because I have other health insurance coverage?

    Yes. If you are a student, except for international students or students not living in campus housing, you can choose not to purchase student insurance plan coverage whether or not you have other health insurance coverage.

    Students living in campus housing are required to purchase the student insurance plan coverage or confirm existence of an equivalent coverage for themselves.

    International students will be granted an exemption only if they have U.S.-based insurance coverage through the employer of a spouse or parent. This waiver must be obtained from the University Center for International Education office, 190E Student Union.

  • Am I required to use Student Health Services to receive benefits under the Student Insurance Plan?

     No, but using Student Health Services will reduce your out-of-pocket costs. For covered medical treatments, your copays and deductible are waived, and claims are paid at 100%.

  • How will healthcare providers know my insurance?

    After downloading the Sydney App or registering on Anthem.com, you will have access to your id card and benefits.

  • Is there a maximum benefit payable under the Student Insurance Plan?

    Benefits are paid on a scheduled benefit basis with no overall maximum dollar limit.

  • What benefits does the Student Insurance Plan pay if I have other insurance?

    The student insurance plan and other insurance companies will work together to coordinate benefits.  The sum of student insurance plan benefits and benefits of other primary plans will not exceed the usual and customary cost of the medical service. Please refer to Anthem Blue Cross Blue Shield at 1-844-412-0752.

  • Can I receive benefits for treatment provided by any doctor or hospital?

    All preventative care services must be provided by a preferred provider.

  • Are there medical expenses for which the Student Insurance Plan does not pay benefits?

    Yes. The plan brochure lists those items for which no student insurance plan benefits are payable. Please familiarize yourself with the exclusions and limitations of the plan which can be found under the Benefit Details section on the Anthem website, https://student.anthem.com/student/schools/wsu.

  • What are the Student Insurance Plan benefits?

    Benefits are detailed in the Student Insurance Plan brochure located under the Benefit Details section on the Anthem website, https://student.anthem.com/student/schools/wsu.

  • How am I charged for the premium for Student Insurance Plan coverage?

    The semester premium for Student Insurance Plan coverage is assessed along with other fees billed to you. The charge is identified on your billing statement as Student Health Insurance.

  • How do I enroll for Student Insurance Plan coverage?

    If you are a student enrolled for six or more credit hours, you are automatically enrolled for student-only coverage for the semester of registration unless you request not to be enrolled during the registration process. If you do not enroll for coverage at the time you register for classes, you may enroll through Wings Express. Use the Required Acknowledgment link to enroll until the enrollment deadline. 

  • Am I eligible for Student Insurance Plan coverage?

    You are eligible for the Student Insurance Plan coverage if you are an undergraduate or graduate student registered for six or more semester credit hours, a student who participates in cooperative education, or other Wright State-sponsored internship program.

  • What is the Wright State University Student Accident and Sickness Insurance Plan?

    The Student Accident and Sickness Insurance Plan provides benefits worldwide for covered health care expenses, a limited accidental death and dismemberment benefit, benefits for medical evacuation of an ill or injured patient to the nearest suitable hospital or the insured's home country for care, and benefits for return of an insured's body to the insured's home country when death occurs outside their home country.