Student Health Services

Health Insurance

On this page:

Wright State Student Health Insurance

2019-2020 Student Blanket Injury and Sickness Insurance Plan

Wright State University offers student health insurance through United Health Care Student Resources for your health care needs. A detailed and summary brochure with the schedule of benefits and coverage details can be accessed through this link.

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 (6) 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 6 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 (6) credit hours for at least the first 31 days for which coverage is purchased to be eligible for student health insurance.

Students not enrolled during the summer semester may purchase continuing health insurance provided they had coverage in the spring semester and are registered for the upcoming fall semester. The student must contact Student Health Services in able to purchase. In order to maintain continuous coverage without a lapse, it is important to purchase the summer coverage.

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 Student Health Services for details.

Dental and Vision coverage for the academic year is a separate policy that can be purchased directly with UnitedHealthcare Student Resources during the fall open enrollment period only. For information please call 866.782.4768.

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 Student Health Services if you have a question.

Please note:

  • Covered services rendered at Student Health Services are payable at 100% of covered medical expenses.
  • Copays and deductibles are waived when seen at Student Health Services.
  • United Healthcare Student Resources requires a referral from Student Health Services any time treatment is sought outside of SHS during their normal business hours except in an emergency situation. This applies to urgent care centers, Wright State Physicians and your primary care providers. See page 2 of current policy for the referral exclusions.

This Plan provides benefits for a covered injury or Sickness ("Loss") 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.

Please refer to United Health Care Student Resources for complete coverage details.


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 questions concerning the coverage or need assistance, please contact Robert Fox in the Student Insurance Office at (937) 775-2331. The Student Insurance Office is located in 051 Student Union and the walk-in hours are Monday-Friday from 1:00-4:30 p.m.

Student Health Insurance Coverage Info: Important Dates

Semester Fall 2019 Spring 2020 Summer 2020
Coverage Period 8/26/2019 - 1/12/2020 1/13/2020 - 5/10/2020 5/11/2020 - 8/23/2020
Premium $945.00 / semester $806.00 / semester $709.00 / semester
Deadline to Decline Insurance September 6, 2019 January 24, 2020 May 22, 2020


During the first 2 weeks of each semester of open enrollment, if you need access to your health insurance card, you will need to contact Student Health Services so we can initiate a manual upload of your registration into the plan. Otherwise, United Healthcare Student Resources will not have your membership information until after open enrollment has ended. Stop by the insurance office at 051 Student Union or call 937-775-2331 for further information.

United Healthcare Student Resources

Major Medical Insurance

Rowdi Raider_Get Carded.JPGOn-Campus medical treatment has never been more convenient.

WSU Student Health Services is proud to announce a full line-up of major medical insurance is now accepted, such as Anthem, Medical Mutual and Multi-Plan!

Student Health Services has been working hard to develop the ability to deliver quality healthcare and wellness services to treat more WSU students. The services provided by your on-campus Nurse Practitioner and Physician are comparable to those offered at a family practice setting, and all our professionals are certified, licensed, or registered in their respective fields.

Insurance Options

Student Health Insurance Options

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 WSU residential students have the option to participate in the plan if enrolled in 6 credit hours or more. If a commuter or residential student opts to decline enrollment the student declines and continues with the registration process.

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

Commuter Students

  • ACCEPT WSU health insurance; continue registration.
  • DECLINE WSU health insurance, continue registration without WAIVER.

Residential Students

  • ACCEPT WSU health insurance, continue registration.
  • DECLINE WSU health insurance, continue registration, but produces required insurance WAIVER at move-in.
  • DECLINE WSU health insurance, continue registration.

International Students

  • Financial Guarantee Agreement:  Gov't pays for some students' private health insurance; continue registration. UCIE processes WAIVER.
  • Financial Guarantee Agreement:  Gov't pays for some students' WSU health insurance; ACCEPT WSU health insurance; continue registration. May not DECLINE WSU health insurance.
  • All International Students (non-govt. sponsored) must ACCEPT WSU health insurance; continue registration. May not DECLINE health insurance. May NOT purchase private insurance, no WAIVER accepted.


The student should use services of Student Health Services first where treatment will be administered or referral issued. Expenses incurred for medical treatment outside of Student Health Services for which no prior approval or referral is obtained will be subject to an additional $350 Deductible. A referral issued by SHS must accompany the claim when submitted. Only one referral is required for each Injury or Sickness per Policy Year. Certain conditions are excluded from the referral requirement. Please see page 29 of the policy brochure for further information.

Marketplace Insurance

For information regarding Marketplace Insurance and the Affordable Care Act go to:

  • - Mid October, - Mid October,  Help Line - 24/7 - 1-800-318-2596;
  • Other sources for Answers:  Walgreens; CVS; American Library Association:  Affordable Care Act tools