Wellfleet Insurance

All MTSU international students not sponsored by their home government will be automatically enrolled in the MTSU international student insurance plan provided by Wellfleet. International students are required to have health insurance coverage at all times while in the United States to maintain their immigration status.

Things to remember:

• You must maintain health insurance coverage while you are in the US, even if you are not taking classes, for example, during the summer.
• Failure to maintain this coverage could subject you to be reported as out of status, which could result in deportation.
• If you have dependents with you, you must provide coverage for them as long as they are in the US, as well.
• You must keep International Admission (Jones Hall 152) updated with copies of your policy and insurance cards at the beginning of each academic year. Failure to do so will result in a registration hold.
• With or without insurance, you are responsible for the full costs of your medical expenses, including co-pays and deductibles.
• You should visit Health Services on campus for all your medical needs. If you need medical attention they cannot provide, they can help you find the proper attention off campus. They can often ensure that you visit a doctor within your insurance policy’s list of approved providers.
• You should always contact your insurance company prior to visits to doctors and hospitals off campus to ensure your insurance will cover those expenses.

Visit www.studentinsurance.com/Client/2385 and follow the link to “Discover your Benefits”.

You will be billed once in the fall semester and once in the spring semester. The spring premium will cover summer as well.

International students will have their premium billed to their bursar account.

International students will automatically be enrolled in the insurance plan once you register for classes. You will continue to be enrolled in the plan as long as you are an enrolled student at the University.

Once enrolled, you will be able to access your ID card online here.

Yes, international students can enroll their dependents. If you purchase additional plans for a spouse or child(ren), you will do so directly with the Wellfleet Student Health Insurance Company when completing your enrollment through their web site https://www.studentinsurance.com/Client/2385 and payments will not go through the University. Instructions for dependent/spouse enrollment will be made available within the student account once enrolled in the plan.

Yes, pregnancy is covered under the same benefits as any other condition.

Visit www.studentinsurance.com/Client/2385 and select “Find Health Professionals.”

Yes, if you are enrolled in the plan during the Spring semester, you are also enrolled during the summer, until July 31st. The Spring/Summer term extends through July 31st so that students can maintain continuous coverage even when they are not enrolled in summer classes. The fall coverage will begin August 1st.

No, Wellfleet does not offer COBRA coverage to the plan. However, if you graduate in May, your spring coverage will continue until the end of the plan year 7/31/2026.

A pediatric dental benefit is included in the policy to cover preventive dental care for insureds to the end of the month in which the Insured Person turns age 19 (see page 41 of the plan certificate for details). The policy does not cover routine or preventive dental care for insureds age 19 and above.

A pediatric vision care benefit is included in the policy for insureds to the end of the month in which the Insured Person turns age 19 (see page 42 of the plan certificate for details). The policy does not cover routine or preventive vision care for insureds age 19 and above.

Eligible domestic graduate students may enroll on a voluntary basis during open enrollment periods. Go to www.studentinsurance.com/Client/2385 and follow the link to “Enroll or Waive” coverage. Premium for the period selected will be due in full at the time of enrollment. Students’ eligibility will be verified by the Graduate Studies office.

Fall open enrollment will begin in July, and Spring/Summer open enrollment will begin December. Be sure to complete your enrollment at Wellfleet’s website by the enrollment deadline.

Dependent enrollment for voluntary domestic graduate students is not available.

Domestic student premiums will be paid directly to Wellfleet at the time of enrollment.

Although enrollment is voluntary for domestic students, we advise graduate students to carefully consider the overall benefits of the MTSU student health insurance plan in comparison with other individual or group insurance. This plan is designed to stand alone or be coordinated with any existing health plan. If your present coverage seems inadequate, we strongly suggest that you consider enrollment in this program.

No, Wellfleet does not offer COBRA coverage to the plan. However, if you graduate in May, your spring coverage will continue until the end of the plan year. Your end of coverage date under this plan may constitute a Qualifying Life Event (QLE) for mid-term enrollment in another ACA plan. Please check with the other insurance company for details about enrollment after a QLE.

Once enrolled you may print a copy of your insurance card from the Wellfleet Student website. Please allow 24-48 hours to obtain a card after you enroll.

Visit Wellfleet Student’s website and follow the link to “Discover your benefits.”

Visit Wellfleet Student’s website and follow the link to “Find Health Professionals.”

Yes, pregnancy is covered under the same benefits as any other condition.

A pediatric dental benefit is included in the policy to cover preventive dental care for insureds to the end of the month in which the Insured Person turns age 19 (see page 41 of the plan certificate for details). The policy does not cover routine or preventive dental care for insureds age 19 and above.

A pediatric vision care benefit is included in the policy for insureds to the end of the month in which the Insured Person turns age 19 (see page 42 of the plan certificate for details). The policy does not cover routine or preventive vision care for insureds age 19 and above.

Yes, if you are enrolled in the plan during the Spring semester, you are also enrolled during the summer until July 31.

The Spring/Summer term extends through July 31st so students can maintain continuous coverage even when they are not enrolled in summer classes. The Fall term will begin August 1st.

Student health insurance offered through a university is not considered employer insurance, and as such it will not affect a student’s ability to receive a marketplace subsidy or their ability to obtain an ACA plan through the Marketplace.