Haris Ashley
The University of Wisconsin offers a comprehensive benefits package, including health insurance, to meet the diverse needs of its community. The university provides health insurance for its employees, with options to contribute to Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA). Additionally, the university offers disability insurance to protect against income loss due to illness or disability. For international students, UW System's insurance carrier and claims administrator is Wellfleet, which provides medical care at reduced prices through in-network providers. While UW-Green Bay does not explicitly state that it offers student health insurance, it does provide a Wellness Centre with low-cost medical services and counselling sessions for students.
| Characteristics | Values |
|---|---|
| Insurance carrier and claims administrator | Wellfleet |
| In-Network Providers | Physicians, Hospitals and other healthcare providers who are part of the Cigna network and have contracted with Wellfleet to provide medical care at reduced prices |
| In-Network Providers expense | Lower, most benefits are paid at 90% |
| In-Network Providers copayment | Small copayment for some services |
| Out-of-Network Providers | Physicians, Hospitals and other healthcare providers who have no special agreement with Wellfleet |
| Out-of-Network Providers expense | Higher, most benefits are only paid at 80% |
| Supplemental Insurance | Dental, Vision, Life, Accidental Death & Dismemberment (AD&D), Accident, Disability |
| Additional Benefits | Flexible Spending Accounts (FSA), Health Savings Account (HSA), Retirement |
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What You'll Learn
International students' health insurance
As an international student at the University of Wisconsin-Green Bay (UWGB), you will be automatically enrolled in the Student Health Insurance Plan (SHIP). The premium will be added to your tuition bill. However, if you can provide evidence of UW System-approved health insurance coverage on or before the waiver deadline, the fee can be waived.
Wellfleet is the insurance carrier and claims administrator for the UW System. You can contact Wellfleet to check the claims process, plan coverage, and other claim-related questions.
In-Network Providers are physicians, hospitals, and other healthcare providers who are part of the Cigna network and have contracted with Wellfleet to provide medical care at reduced prices. When you use an In-Network provider, your expense is lower, and most benefits are paid at 90%. There may be some services for which you will need to pay a small copayment.
Out-of-Network Providers are physicians, hospitals, and other healthcare providers who have no special agreement with Wellfleet. The out-of-pocket expense to you will be higher, and most benefits are only paid at 80%.
In addition to the Student Health Insurance Plan, UWGB's Wellness Center provides low-cost medical services, counselling sessions, and other resources to help you stay healthy.
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In-network and out-of-network providers
The University of Wisconsin-Green Bay (UWGB) does not explicitly state that it offers student medical insurance. However, it does mention that health insurance is required for international students, and the charge is automatically added to their accounts. Students also have the option to purchase additional coverage through individually arranged companies.
In-network providers are physicians, hospitals, and other healthcare providers who are part of the Cigna network and have contracted with Wellfleet, UW System's insurance carrier, to provide medical care at reduced prices. Using an in-network provider will result in lower out-of-pocket expenses, as most benefits are paid at 90%. However, some services may require a small copayment.
To find in-network providers, students can visit their insurance provider's website or contact Wellfleet at 1-877-657-5030 or by email. It is important to ensure that the provider is in-network before seeking treatment, as out-of-network providers will result in higher out-of-pocket costs.
Out-of-network providers are physicians, hospitals, and other healthcare providers who have no special agreement with Wellfleet. When using an out-of-network provider, students will incur higher out-of-pocket expenses, as most benefits are only paid at 80%. It is important to note that some insurance plans may not cover out-of-network providers at all. Therefore, students should carefully review their insurance plan's coverage and network of providers to make informed decisions about their healthcare.
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Supplemental insurance plans
UWGB does not offer health insurance to domestic students. Domestic students are defined as US citizens, green card holders, DACA recipients, and undocumented students. However, international students are automatically enrolled in UW System's health insurance plan, provided by Wellfleet. This plan includes in-network providers who have contracted with Wellfleet to offer reduced prices. Students can also choose to purchase additional coverage through individually arranged companies.
During the Medicare Supplement Open Enrollment period, which begins when an individual turns 65 and has Part B, insurance companies cannot deny a Medigap policy and must offer the same price regardless of health status. Outside of this period, insurance companies may not sell a policy unless the individual is eligible for a guaranteed issue right. It is important to compare prices and benefits across different insurance companies to find the best Medigap plan.
Medigap policies generally do not cover long-term care, vision, dental care, or prescription drugs. However, individuals seeking prescription drug coverage can join a Medicare Prescription Drug Plan (Part D). It is worth noting that each Medigap policy only covers one person, so spouses seeking coverage would need to purchase separate policies.
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Health insurance for domestic students
The University of Wisconsin (UW) does not offer health insurance to domestic students. Domestic students are defined as US citizens, green card holders, DACA recipients, and undocumented students. UW also does not require domestic students to have health insurance. Most UW students have private insurance, either in-state or out-of-state. About 25% of Seattle students have Washington State Medicaid, also known as Apple Health. Students with private health insurance should be prepared for out-of-pocket costs, such as premiums, deductibles, and coinsurance.
If you are a domestic student and do not have insurance, you will need to seek coverage through the Washington Health Plan Finder, Washington state's health insurance marketplace. It is also known as "the exchange". Domestic students residing in King County can get help on how to use the Washington State Health Plan Finder by contacting the Community Health Access Program (CHAP) at 1-800-756-5437 or [email protected], or by contacting the UW Hall Health Center at [email protected].
Some on-campus health services are subsidised by the Services & Activities Fee, which all matriculated UW Seattle students pay. During quarters in which matriculated students are enrolled and registered for classes, these include short-term mental health support, including immediate crisis intervention through HuskyHelpLine, unlimited medical advice from a nurse by phone or videoconference, and Let's Talk, a virtual drop-in consultation program.
International students and graduate student employees are automatically enrolled in UW-provided health insurance. The International Student Health Insurance Plan (ISHIP) is available for J1 or F1 visa holders, while many graduate students employed by UW have the Graduate Appointee Insurance Plan (GAIP).
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Student health clinics
UW-Green Bay's Wellness Centre offers a range of health services to students. The centre provides free or reduced-cost medical and behavioural health services, including free medical exams and office visits in partnership with Prevea. Students can access low-cost medical services, counselling sessions, and health resources at the Wellness Centre. The centre also provides support for students struggling with college transition, relationship issues, loss, stress, or long-term mental health concerns.
The Wellness Centre promotes holistic health and wellbeing, with a focus on mind and body wellness, to optimise student success. They also offer presentations to classes, student organisations, and campus events to foster a healthier UW-Green Bay community. Students can contact the Wellness Centre to learn more about the available services.
In terms of insurance, UW System's insurance carrier and claims administrator is Wellfleet. Wellfleet offers in-network and out-of-network provider options, with different levels of expense coverage. In-network providers, such as physicians and hospitals, have a special agreement with Wellfleet to provide medical care at reduced prices, with most benefits paid at 90%. Out-of-network providers have no such agreement, resulting in higher out-of-pocket expenses for students, with benefits typically paid at 80%.
While UW-Green Bay does not specify if their health services are exclusive to international students, they do emphasise the importance of health insurance for international students, suggesting that their health services may cater to this group primarily. However, the mention of "enrolled students" accessing free or reduced-cost services suggests that their health clinics are likely available to all enrolled students, regardless of their domestic or international status.
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Frequently asked questions
UWGB does not specify whether it offers student medical insurance. However, they do offer a comprehensive benefits package that includes health, wellness, retirement, and life insurance. They also offer disability insurance plans and supplemental insurance plans.
UWGB offers disability insurance plans and supplemental insurance plans. They also offer two supplemental insurance plans in the event of accidental death or injury from an accident: Accidental Death & Dismemberment (AD&D) Insurance and Accident Insurance.
Wellfleet is the insurance carrier and claims administrator for UW System.
