Mandatory Insurance FAQs

Mandatory Insurance FAQs

What plan did the University of North Carolina at Chapel Hill endorse?

The University of North Carolina at Chapel Hill endorses the UNC System Student Health Insurance Hard Waiver Plan. It is administered by Blue Cross Blue Shield. All North Carolina State Universities participate in the same Student Blue insurance plan.

When will the Student Health Insurance charge be applied to student bills?

Student Health Insurance will be applied to all student tuition and fees each semester on University Accounts. This happens in July for the Fall semester; and in November for the Spring semester.

Do I need to enroll in the University Student Blue insurance plan each semester?

Yes, if you want to participate in the University Student Blue insurance, you should enroll online at Student Blue each semester before August 1 for the fall semester and January 1 for the spring semester.

Is there an insurance option for my spouse and dependents on the Student Health Insurance Plan?

There is no spouse or dependent coverage on the Student Health Insurance Plan. The Graduate Student Health Insurance Plan (GSHIP), available to Research Assistants and Teaching Assistants, does include spouse and dependent coverage. The PostDoc insurance plan also has spouse and dependent coverage.

Does the fall semester insurance begin August 1 even if a student enrolls in the plan and pays later?

Yes, except in Qualifying Life Event enrollment. The Qualifying Life Event effective date is determined by the date of enrollment in Student Blue.

When will students receive their UNC System Student Health Insurance card?

Insurance cards for students who enroll in Student Blue will be mailed before the fall policy effective date of August 1. If you enroll after August 1, insurance cards will be mailed within 10-14 business days of your enrollment at https://studentblue.bcbsnc.com/unc/login. If you do not actively enroll in Student Blue, you will be mailed a card 2-3 weeks after open enrollment ends. If you do not receive your card in accordance with the timeline above, contact Blue Cross Blue Shield at email@studentbluenc.com or call 1-888-351-8283.

Will students that participate in club sports be covered under the student health insurance plan?

Yes, students that participate in club sports, and are enrolled in the Student Blue insurance plan, will have the same policy benefits as any other student.

Is there an insurance option if a new student begins classes in the summer, instead of the fall?

If a new student begins classes in the summer and meets the insurance eligibility requirements, they can purchase the student insurance directly from Blue Cross Blue Shield at email@studentbluenc.com or 888-351-8283. This would be considered a late spring enrollment in the University.

Can Financial Aid be applied to the Student Health Insurance charge?

Any questions regarding your financial aid should be directed to the Office of Student Scholarships and Aid.

What does the University-sponsored insurance plan cover?

For detail information about the insurance plan benefits please go to Benefits at Student Blue.

What Wellness/Preventive benefits are included in the UNC System Student Health Insurance Plan?

The University student insurance plan meets all Affordable Care Act (ACA) Preventive/Wellness benefits. Wellness/Preventive benefits can be found at www.healthcare.gov. Choose all Topics, Prevention & Getting Care, then What are my preventive care benefits?

How does a cancellation/withdrawal from the University impact the Student Blue insurance and the insurance charge on your University Account?

If a student cancels/withdraws from school within the first 31 days of the plan semester effective date (August 31 or January 31): the student will be canceled from the Student Blue plan and the premium will be removed from their University account. Any insurance benefits paid will be recouped by the insurance vendor. An exception can be made in the event of a student illness or injury and the student can remain on the plan and the premium will stay on their University account until the semester termination date (December 31 or July 31) . This determination is made case by case.

If a student cancels/withdraws from school after the first 31 days of the plan semester effective date (September 1 or February 1): the student will remain on the Student Blue insurance plan until the semester termination date (December 31 or July 31) and there will be no premium refund. If a student receives an approved waiver before the semester waiver deadline, the premium will be removed from their University account

Students that do not complete the University Registrar's withdrawal or cancellation process before the end of the semester waive and enroll period will be responsible for the student insurance premium. The student insurance premium will not be removed for a withdrawal or cancellation retroactive to a past semester.

What happens to my student insurance when I graduate?

If you are currently enrolled in the UNC System Student Health Insurance Plan and graduate, the student insurance will continue to provide coverage through the end of the semester policy coverage period. (Fall - December 31; Spring - July 31).

What are the policy requirements for waiving?

The policy that you use to waive the mandatory health insurance plan must be considered creditable coverage, have a policy begin date effective by September 1 for the fall semester or by February 1 for the spring semester and must cover you for the entire semester you are waiving.

What health insurance plans are considered creditable coverage?

Health insurance coverage under any of the following:

  • a group health plan
  • individual health insurance
  • student health insurance
  • Medicare
  • Medicaid
  • CHAMPUS and TRICARE
  • the Federal Employees Health Benefits Program;
  • Indian Health Service
  • the Peace Corps
  • Public Health Plan (any plan established or maintained by a State, the U.S. government, a foreign country)
  • Children’s Health Insurance Program (CHIP) or
  • a state health insurance high risk pool

More details https://www.healthcare.gov/glossary/creditable-coverage/

Can short-term health insurance be used to waive Student Blue?

Yes.  As long as that plan covers you for the entire semester.

Can Medicaid be used to waive out of Student Blue?

Yes. Medicaid is considered creditable coverage. The only exception to this would be where the Medicaid coverage is limited to Family Planning only.  Family Planning is not considered creditable coverage and the waiver will be denied.

Who is required to show proof of insurance?

It is a requirement of enrollment for all eligible students to have active health insurance. All students seeking treatment at Campus Health are required to show proof of insurance.

What if a student waives, but a week later drops the insurance plan they used when waiving?

It is a requirement of enrollment for all eligible students to have health insurance. Not having health insurance is a breach of the student conduct code since continuous insurance coverage is required for each semester.

Will insurance waivers be checked and verified each semester? Does a student need to waive each semester?

Waivers are checked and verified each semester. Students are required to have an approved waiver for each semester to have the insurance charge removed from their University account.

Can I waive with health insurance I just purchased?

To waive, an insurance policy must be effective (active) on or before September 1 for the fall semester and on or before February 1 for the spring semester. If your insurance is effective after those dates, you cannot waive out using that insurance until the waive/enroll opens for the next semester.

What do I do if I waived out of the UNC Student Health Insurance Plan and my insurance ends?

If you waived out of the UNC System Student Health Insurance Plan and have a Qualifying Life Event (for example: age off your parent's insurance or insurance is lost due to a job loss) you can contact BCBS directly at 1-888-351-8283 to purchase the student insurance for the remainder of the semester coverage period. Qualifying Life Event insurance enrollment needs to be done within 30 days of losing your previous insurance. Your insurance effective date depends on your enrollment date.

I pay a Campus Health Fee on my UNC Chapel Hill bill each semester. How is health insurance different?

The Campus Health Fee is part of tuition and fees at UNC Chapel Hill and covers routine office visits, Counseling and Psychological Services, Physical Therapy and more. Health insurance offsets the cost of services not covered under the Campus Health Fee. Insurance gives students access to services outside of Campus Health and it has benefits for services such as hospitalization, required surgery or specialty services for illnesses or injuries.

Why is the UNC System requiring health insurance?

Unexpected health care expenses such as those associated with illness, accidents, or mental health care can destabilize a student’s financial situation and derail his or her progress toward a degree. These potential barriers to attendance and degree completion are reduced when students have health insurance. Conversely, students without health insurance who do not have access to needed specialty care or hospitalization may attempt to continue their academic pursuits but fail to reach their full potential due to their untreated illness.

On January 1, 2014 the Individual Mandate took effect – The individual mandate is the provision of the Affordable Care Act (ACA) requiring most people without employer-based coverage to buy qualifying coverage on their own, or pay a tax penalty.

I worry about identity theft. Why do I have to provide my private information?

We understand that concern. This is why Blue Cross Blue Shield will not sell our students' information to anyone, including direct mail marketing vendors. Great care is taken to minimize the potential for security breaches that might lead to fraud or other malicious use of personal information.