Accepted Students

Student Health Insurance Requirements

Webber International University requires all students to maintain adequate primary health insurance throughout their enrollment and to provide proof of current coverage through the University’s designated insurance-verification process.

Primary Insurance Requirement

All students, including domestic students, international students, residential students, commuter students, and student-athletes, must:

• Maintain active primary health insurance;
• Provide proof of coverage by the University’s published deadline;
• Ensure that the insurance information submitted to the University is accurate and current; and
• Notify the University if coverage is canceled, expires, or otherwise changes during the academic year.

Failure to provide acceptable proof of primary insurance may prevent a student from completing University clearance or participating in activities for which insurance verification is required.

Students are responsible for understanding their insurance benefits, deductibles, copayments, provider networks, exclusions, referral requirements, and other plan provisions. The University does not guarantee that a student’s primary insurance will cover every medical service, provider, prescription, athletic injury, or location.

International Students

All international students are required by the University to maintain adequate primary health insurance throughout their enrollment.

International students are responsible for ensuring that their primary insurance:

• Remains active while they are enrolled or participating in a University program;
• Provides coverage that is usable in the United States;
• Meets any applicable immigration or exchange-program requirements; and
• Is submitted through the University’s designated verification process.

Student-Athlete Secondary Insurance

Athletic secondary insurance:

• Supplements the student-athlete’s primary health insurance;
• Does not replace the requirement to maintain primary insurance;
• Applies only in accordance with the terms, conditions, eligibility rules, exclusions, and claim procedures of the applicable plan;
• May require the student’s primary insurance to process a claim before secondary benefits are considered; and
• Does not guarantee payment of all medical expenses associated with an injury or illness.

Student-athletes must complete all insurance, medical, athletic-training, and clearance requirements before participating in practices, workouts, competitions, team meetings, or other required athletic activities.

Questions concerning athletic insurance coverage, claims, or required documentation should be directed to the University’s designated insurance contact or Athletic Training staff.

Non-Athlete Students

Students who are not participating in intercollegiate athletics:

• Will not be charged for the University’s athletic secondary insurance;
• Must maintain their own primary health insurance; and
• Must provide proof of active coverage through the University’s designated process.

Proof of Insurance

Acceptable proof of insurance may include an insurance card, coverage confirmation, benefits statement, or other documentation requested by the University.

The documentation must ordinarily identify:

• The student or covered dependent;
• The insurance company or plan;
• The member or policy number;
• The effective period of coverage; and
• Other information reasonably necessary to verify active coverage.

Submitting an insurance card does not guarantee that the coverage will be accepted as adequate. The University may request additional information when coverage cannot be verified.

Changes or Loss of Coverage

A student who loses primary health insurance or experiences a change in coverage must notify the University promptly.

The student remains responsible for:

• Obtaining replacement coverage;
• Updating insurance information;
• Paying uncovered medical expenses; and
• Completing any additional clearance requirements.

The University may require updated proof of coverage at the beginning of each academic year, semester, athletic season, or other appropriate period.

Medical Expenses

Students are financially responsible for medical services not paid by their primary insurance, athletic secondary insurance, or another applicable funding source.

The University is not responsible for:

• Deductibles;
• Copayments;
• Coinsurance;
• Excluded services;
• Out-of-network charges;
• Prescription costs;
• Transportation or ambulance charges;
• Charges resulting from failure to follow insurance procedures; or
• Amounts exceeding plan limits.

Insurance coverage, eligibility, claims, and benefits are governed by the applicable insurer’s plan documents. If this summary conflicts with the insurance policy or plan documents, the applicable plan documents will control.