We have the answers to the most frequently asked questions about student health insurance in North Carolina.

Do you have questions about requirements for health insurance for students in North Carolina? You’re not alone. Since the Affordable Care Act (ACA) became effective, we’ve often heard the following questions from students and parents.

How do I submit my insurance information?

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

How much will the student insurance cost?

The cost is $823 per semester ($1,646 per year) and provides coverage for one full year.

What if I already have health insurance?

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.

What if I don’t have health insurance?

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.

What is considered a comparable health plan?

Any plan that is compliant with the ACA is acceptable.

When is the deadline for completing the online waiver?

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

Who is required to have insurance?

All full-time Wingate campus students and Hendersonville health science majors are required to have health insurance.

Why do I need health insurance if Wingate University has a student Health Center on campus?

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.

Why is Wingate University requiring health insurance?

To help students comply with the ACA and to help offset the cost of an unexpected illness or injury.

I am an International student.  Why is my own international travel policy not accepted?”

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.

Does the Health Center accept insurance for visits?

We will submit claims for students covered under the United HealthCare student plan offered through Wingate University.  Students with other insurance providers will receive a “walkout” statement that they can submit to their insurance for reimbursement. No matter which insurance coverage a student has, students are responsible for all fees for their care by the Health Center.

Contact Us

If you have questions about health insurance in NC, stop by to see us in the Clubhouse. Or email the Health Center.