Health Insurance Waiver Process

All full-time, degree-seeking students on the Danforth Campus are required to have health insurance.

Washington University in St. Louis offers a comprehensive student health insurance plan that is a robust, cost-effective, Affordable Care Act (ACA)-compliant plan through United Healthcare Student Resources.

The student health insurance premium is added to all eligible students’ accounting statement in the fall of each year. Eligible students are considered full-time, degree-seeking students in a day program on the Danforth Campus. This year the premium is estimated to be $1,940 for the entire year. Coverage begins 8/1/2019 and ends 7/31/2020. Eligible students must pay the premium or complete the online waiver process prior to the deadline. After completion of the online waiver process, the waiver will be verified and approved, after which, the premium will be removed from the student’s accounting statement.

The waiver link in WebSTAC is available December 1, 2019 through February 12, 2020 for students entering the spring 2020 semester at WashU and may be used once the student has received their WUSTL Key. The waiver process MUST be completed by February 12, 2020. This is a hard deadline, no exceptions will be made.

Please note that you have two attempts to waive out of the student health insurance. If you are denied after two attempts, and are locked out of the system, please email for further assistance if your insurance meets our criteria.

Insurance Waiver Criteria

In order to waive out of the WashU student health insurance plan, your current coverage must meet the minimum criteria below.

  1. Unlimited Coverage
  2. An individual deductible of $3,000 per person or less (If you have a family deductible, and not an individual deductible, then divide the family deductible amount by the number of people on the plan. If the divided amount is $3,000 per person or less, then answer yes)​
  3. Barnes-Jewish Hospital in St. Louis an in-network provider
  4. Is current coverage  Medicare or Medicaid? (If yes, you are not eligible for the waiver)
  5. Plan provides coverage for all medically necessary care while in St. Louis.
  6. Plan may not provide only emergency or urgent care
  7. Plan must cover care for inpatient and outpatient medical, mental health and chemical dependency services
  8. Plan must provide a prescription drug benefit
  9. Plan must provide preventive care covered in-network with no cost to you

For questions concerning insurance benefits, enrollment, deductibles, claims, etc., contact UHC Customer Service at: 866-346-4826.

F-1 or J-1 Visa Students

Students on an F-1 or J-1 visa are not allowed to waive out of the plan unless they are on a U.S.-based employer plan through a U.S.-based insurance company.

Waiver Deadline

A completed, verified and approved waiver is required yearly if you do not wish to participate in the university’s insurance plan. February 12, 2020 is the deadline for completion of the waiver process. This is a hard deadline and no exceptions will be made.

Partial Year Students

Students on exchange programs only at WashU for one semester will be charged for one semester only.

Students intending to graduate in December will receive notification from Habif Health and Wellness Center once they file an intent to graduate outlining their options for continuation of coverage. Students not wishing to continue coverage after the first semester will be provided a refund for the second semester of coverage at that time.

Health Insurance Charge Reimbursement

Once your waiver is approved a credit will be applied to the student account in 1-3 business days.  Students may view this credit on WebSTAC under Billing – Account Inquiry.  Parents may view this credit on the parent portal under Your Account – Click here to view transactions since your last bill. Please note the existing bills will not change. The bills are a PDF of your account as of the last business day of each month.  On your next bill that will generate at the end of the month you will see your credit for the student health insurance fee.

Questions About Your Waiver

Please be sure to include your six digit Student ID when submitting any questions about the waiver process via email.​​​​​​​​

See our WashU Insurance Waiver Process (PDF) document for additional information on how to waive out of the student insurance plan.