FAQs

If you are taking 12 or more credit hours, you are required to provide proof of your personal health insurance or enroll in the Wingate University Student Health Plan (currently BCBS).  All Health Science students, athletes and international students regardless of credit hours are required to have health insurance.  This plan is not available to non-Health Science students taking less than 12 credit hours.

You can submit your insurance information online whether you choose to accept or waive Wingate University’s health insurance plan.

The cost is  $2,492/year or $1,246/semester

Students may have a comparable existing health insurance policy through parent plans, family plans or employer-sponsored plans. If you do, you must waive out every year while enrolled at Wingate University to avoid being charged for the university’s plan.

Students may elect to accept the health insurance plan offered by Wingate University. Alternatively, they can choose to purchase their own comparable insurance plan and complete the online waiver by the deadline for each semester. Students who don’t complete the waiver are charged for health insurance and are automatically enrolled in the university’s plan.

Comparable health plans...

• Must be a policy from the United States
• Must be a full health policy (not accident only) and provides both emergency and non-emergency benefits, including mental health, in North Carolina
• Must be a minimum total benefit/coverage of $100,000 (USD) per accident or illness
• Must be currently active and covers the student for the duration of the current semester
• Must be with an insurance carrier that is based in the United States
• Covers within a 25-mile radius of Wingate University in Wingate, North Carolina

Athlete additional requirement listed with comparable coverage section for both domestic and international students:

• Must be a minimum of $15,000 intercollegiate athletic injury coverage

The deadline to complete the online waiver is the first day of class each semester.

In addition to complying with the ACA, some Health Center services require additional fees. Health insurance gives you access to services and specialists not available in the on-campus Health Center.

To help students offset the cost of an unexpected illness or injury.

We have found local providers do not accept international policies which leaves the student with no access to specialty care if needed. Adequate insurance coverage that is accepted locally helps offset the cost of an unexpected illness or injury. The plan must be a United States based health plan that is compliant with the ACA. Please see the information above to learn about what is considered comparable health plans.

For students enrolled in the BCBS Student Health Insurance Plan (SHIP) offered through Wingate, most office visit fees, medications, lab services and office procedures  performed in the Health Center are covered at 100%. Any fees not covered at 100% will be applied to the students account.

No student will be turned away from the Health Center for inability to pay.  If a student is unable to pay the office visit fee, they may declare medical hardship status by completing the Declaration of Financial Hardship [pdf] form.  Medical hardship status is granted on a case-by-case basis.

Insurance Plans

Wingate University Health Center is a participating, In-Network Provider for the following insurance companies:

• Wingate University Student Health Insurance Plan provided by Blue Cross Blue Shield (Student Blue)

• Blue Cross Blue Shield Commercial plans except Blue Value and Blue Local

• Cigna

• Medcost 

• United Health Care

• Aetna

Please check with your insurance plan to verify coverage at the Health Center at Wingate University.  We do not participate in Medicare or Medicaid; therefore, cannot file insurance claims.  Students who have insurance plans not accepted in the Health Center will be considered a self-pay patient and will be billed accordingly.  

In order for us to submit claims on your behalf, you must provide us with your current health insurance card.  We will file for any charges incurred with your primary insurance carrier. If we are not considered “in-network” or your annual deductible has not been met, it is possible that your insurance will not pay for your charges.

The student does not have to reschedule, however, the student will be asked to call the policyholder (i.e. mom, dad or guardian) to get us the insurance information. It is the student's responsibility to get us the information so we may bill the insurance company. If the student is unable to provide us with the information, they will have the option of being seen without using their insurance and paying the fees accrued from the visit.

For a student in a North Carolina college or university:

Tetanus Series (Td, DPT, Tdap)
Three doses. One must have been within the past 10 years. Those individuals enrolling in college or university for the first time on or after July 1, 2008 must have had three doses of tetanus / diphtheria toxoid and a booster dose of tetanus / diphtheria / pertussis vaccine if a tetanus / diphtheria toxoid or tetanus / diphtheria / pertussis vaccine has not been administered within the past 10 years.

MMR (Measles/Mumps/Rubella)
Two doses (given on or after first birthday)
Or documented positive IgG titers to Measles (Rubeola), Mumps, Rubella

Hepatitis B
Three doses. Hepatitis B vaccine is not required if:
You were born before July 1, 1994 AND
You are not enrolled as a Health Science major.

Meningitis (required for students living on Wingate campus)
One dose within the last five (5) years (given on or after 16 years of age)

Polio
Three doses.
If you are 18 years old, you are not required to receive the polio vaccine.

TB Skin Test (PPD) 
One within the last 12 months.
Health Science students must have a 2-step process

Varicella
Two doses are required for all students in health-related programs. One dose is required for non-health science students.

Required or Recommended
North Carolina law requires students attending colleges or universities to receive certain vaccines. You should also have the immunizations recommended by the Centers for Disease Control and Prevention (CDC). That way, you’re fully protected from vaccine-preventable diseases. Recommended vaccines include flu, Hepatitis A, and HPV.

These immunizations and all other medical requirements are due by July 1 for Fall admission and January 1 for Spring admission. Immunization records that remain incomplete following 30 days of enrollment will result in dismissal from class until immunization requirements are met.

Download Immunization Form (PDF)

Students taking online courses, off-campus courses, evening courses (after 5pm) or no more than four daytime credit hours.

Yes, Wingate University hosts wellness events on campus throughout the year.

If you’re a new student, re-admitted or transfer you must:

• Enroll in or waive out of the Wingate University Student Health Insurance Plan
• Provide an official immunization record
• Receive a physical exam within 12 months of the first day of class
• Receive a TB Skin test within 12 months of the first day of class

Call 911 if you have an emergency. If you need general after-hours care, Atrium-Union Hospital in Monroe, North Carolina, is less than five miles from campus. 

The EOB (explanation of benefits) from the insurance carrier should simply state "laboratory test." However, if a student does not want to risk something private and personal appearing on his or her EOB, an alternative includes permitting the students to self pay for the entire visit and insurance will not be billed. Students in special situations with sensitive information or other concerns about an EOB should speak with their providers. We are very concerned about and maintain our students' confidentiality. Ask for our Privacy Policy for more information.

Some students may have medical conditions that require referrals to outside providers or specialists for consultation or treatment (including radiology and x-ray). All expenses related to the medical services of referred providers are the responsibility of the student and/or their health insurance company.