Student Insurance

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Student Insurance Enrollment Information

Health Insurance is mandatory for all students attending the University of Mississippi Medical Center except for students enrolled in distance education programs with no clinical or research components requiring physical presence on any UMMC campus.  Please see a list of exclusions below: 

  • School of Dentistry – Advanced Standing Dental Hygiene 
  • School of Graduate Studies in the Health Sciences – Biochemistry Certificate 
  • School of Health Related Professions – Advanced Standing Bachelor of Science in Medical Laboratory Science MLT-MLS
  • School of Health Related Professions – Advanced Standing Bachelor of Science in Radiologic Sciences 
  • School of Health Related Professions – Bachelor of Science in Health Sciences 
  • School of Health Related Professions – Bachelor of Science in Health Systems Administration 
  • School of Health Related Professions – Post-Baccalaureate Certificate in Health Informatics 
  • School of Health Related Professions – Post-Baccalaureate Certificate in Leadership and Management
  • John D. Bower School of Population Health – Executive Master of Science in Population Health Management 
  • John D. Bower School of Population Health – Master of Science in Population Health Science 
  • John D. Bower School of Population Health – Post-Baccalaureate Certificate in Analytics 
  • John D. Bower School of Population Health – Post-Baccalaureate Certificate in Population Health Science 

If a student is enrolled in more than one program and one of the programs require proof of insurance, the student will be required to obtain health insurance. 

Insurance Facts: 

  • Health, Dental, & Vision insurance are provided by United Health Care 
  • Students are offered the insurance prior to their initial registration at UMMC, and acceptance is guaranteed during the first 30 days of a student's enrollment.  
  • An application received after the first 30 days is only accepted if the student has a qualifying event.  Applications due to a qualifying event must be received within 30 days of the event.  See examples of qualifying. 
  • Annual open enrollment for this plan is the month of August. A new student who waives coverage may subsequently apply for coverage in August with coverage beginning September 1st. 
  • Once accepted into the plan, coverage is renewed automatically until the student graduates or cancels the insurance. 
  • You must inform the Office of Student Accounting in writing to cancel insurance. Failure to cancel may result in additional charges. 
  • In the event a student's insurance premium remains unpaid for an extended period and no financial aid is forthcoming, UMMC reserves the right to cancel the student's insurance. 
  • If a student graduates, withdraws, is dismissed or goes on a leave of absence, please contact the Office of Student Accounting to discuss insurance continuation. 
    • The maximum amount of time that student insurance can continue after a student leaves UMMC is three months. 
    • The following two conditions must be met to continue insurance: The student must have been enrolled in the plan for at least 3 months at the time of separation, and the continuation of coverage application must be made before the current coverage expires.  
     
  • It is important to note that the student insurance is nota part of or the same as the state employee insurance plan.

Premiums: 

  • Premiums are charged in the Fall & Spring semesters.  Students who acquire coverage in the middle of premium period will be charged a pro-rated amount. 
  • The Fall semester charge will cover September-February 
  • The Spring semester charge will cover March-August. 
  • You must inform the Office of Student Accounting in writing to cancel insurance. Failure to cancel may result in additional charges. 

Examples of qualifying events:

  • Loss of coverage due to job loss
  • Loss of coverage due to age  
    • 26th Birthday: A student can be covered under their parents plan until they turn 26 years old.    
  • Change in marital status 
    • A student with single coverage: The student has 30 days to add a spouse to their coverage.  The coverage will become effective the date of the marriage. 
    • If a studentpreviously waived coverage, but wants to enroll in the plan due to marriage:  The student may apply for coverage and be accepted as of the date of the marriage; however, they must apply for family coverage and add the spouse and any children they acquire due to the marriage. Marriage is not a qualifying event to add single coverage for a student who previously waived coverage. 
    • If the student is being dropped as a dependent on a parent’s policy due to marriage:  The student may apply for single coverage.  
  • A new dependent  
    • A student expecting the birth of a child has 30 days after the birth to apply for coverage for the child. The coverage will become effective at the date of the child's birth. The office of Student Accounting recommends not waiting until the last minute to apply for coverage to avoid billing problems with the hospital.


Please contact the Office of Student Accounting at 601-984-1060 or studentaccountinginsurance@umc.edu with questions