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Health Insurance

Hard-Waiver Requirements

In an effort to ensure adequate health insurance coverage, the University requires that all currently enrolled undergraduate and graduate students be covered by an insurance plan from a licensed health-care insurance company.

Under the required Hard-Waiver Health Insurance Program, students who pay the comprehensive health fee must (1) carry health insurance that meets specific coverage requirements, called comparable coverage, and (2) provide proof of this insurance on an annual basis.

To determine whether their coverage meets the University’s requirements, students must complete a waiver application by going to the site administered by Aetna Student Health at The waiver site will be open and available to all students from July 15, 2019, through August 30, 2019. Any student who fails to demonstrate comparable coverage in the online waiver site during this timeframe will automatically be enrolled in the Aetna Student Health plan. This includes students who fail to take action in the online system or who have filed a waiver application that has been denied. Once a student is enrolled in the plan, the coverage cannot be cancelled, and the charge of $2,814 (U.S.) will be due by October 31, 2019. These deadlines will be strictly enforced. For more information regarding the Hard-Waiver Health Insurance Program, please see the Student Health website.

Purchasing Health Insurance

Students who do not have health insurance may obtain it from a company of their choice (as long as it is deemed comparable coverage) or purchase the plan currently endorsed by the University, Aetna Student Health.

In some cases, parents will find the Aetna Student Health Plan costs less and provides more comprehensive care than their current health-care plan.

Of special note, the Aetna plan covers situations unique to students. If any of these situations apply to you, then Aetna Student Health may prove to be a sound choice:

  • Your student may decide to study abroad, even for a short period.
  • Your student may decide to take a summer job or internship in another state.
  • Your residence is far enough from Charlottesville that traveling home for medical care would be difficult for your student.
  • Your current plan includes high deductibles, copayments, or co-insurance.

Enrollment in the Aetna Student Health Plan begins July 15, 2019, and runs through August 30, 2019. Coverage runs from August 15, 2019, through August 14, 2020.

Additional insurance information, including a link to apply online, is available on the Student Health website.

Insurance Cards

Parents should make sure that their students have a copy of their insurance card when they come to the University in the fall. Most companies list a toll-free number for help with questions about benefits or claim procedures. Parents should help their student become familiar with how to request information about their insurance benefits.

In-Network Provider vs. Out-of- Network Provider

Student Health currently participates as a provider in only one network, the Aetna Student Health Insurance Network.

Because Student Health cares for students from 50 states and 128 countries representing more than 900 different insurance plans, it is logistically and financially impossible for Student Health to be a network provider for all these plans.

The UVA Health System (hospital, associated clinics, and other services) is a separate entity from Student Health. It participates in most major insurance networks located in the mid-Atlantic area and in a number of major national networks as well. If your student receives laboratory or pharmacy services from the UVA Health System satellite sites at Student Health, your student will be billed separately by the Health System, not by Student Health.