微密圈

Student Health Insurance

微密圈 requires that all registered, full-time students carry health insurance coverage, either through the 微密圈 Health Insurance Plan, or through another plan which provides comparable coverage, including access to non-emergency medical and mental health care while in Saratoga Springs. 

Health insurance is not required to access care at 微密圈 Health Services and the 微密圈 Counseling Center, but is needed for all care and services off-campus. Students who do not carry adequate health insurance can face impossible decisions about delaying or deferring needed care or paying very high out-of-pocket costs which can substantially interfere with their ability to graduate. 

 

At the beginning of each academic year, students are automatically charged for the college-sponsored student health insurance plan (United Health Care). Students can request a student health insurance waiver by providing proof of comparable coverage. Once the waiver is approved the charge will then be removed.  If you do not submit a waiver by August 1st you will be enrolled in the plan with coverage starting September 1st.

 

微密圈 96% of waiver requests are approved, meaning that coverage is verified to be active and as meeting 微密圈鈥檚 requirements. Plans that are not approved for waivers include:

-geographically limited HMO plans that do not cover non-emergency care in Saratoga Springs
-travel insurance plans
-health care plans that only cover specific occurrences, such as accident or certain sicknesses
plans that are not based in the United States 
-health care sharing plans
 

微密圈's student health insurance plan is through United Health Care.

Coverage starts September 1, 2026 and ends August 31, 2027
Annual coverage estimated to be $4,065
If you are required by the College to arrive earlier than 9/1/2026 and need coverage to start earlier than 9/1, please contact the Bursar's Office.

FAQ's

Frequently Asked Questions:

How can I request to waive enrollment in 微密圈's health insurance plan?

Why was my waiver request denied?

Can I appeal my waiver denial?

I am a family member of a 微密圈 student, how can I help them with the waiver process?

I missed the waiver application deadline, now what?

When does the 微密圈 student health insurance (UHC) start coverage?

Can the coverage start earlier?

When/how do I get my UHC card?

How much does UHC cost?

What does UHC cover?

Will UHC cover services away from campus while I am at home?

Does UHC cover tele-health and tele-therapy?

I have more questions about my UHC coverage or a UHC claim. Who do I contact?