Lana Oconnell
Student Blue is a health insurance plan offered by Blue Cross and Blue Shield of North Carolina (Blue Cross NC) that provides quality health insurance tailored to the needs of college and university students. Students have the option to enroll in the Student Blue plan, stay on their parents' insurance, or secure their own policy. Students who carry Student Blue will not be required to pay any fees upfront for medical services, except for prescription copays. Students can pay for the Student Blue insurance premium by reviewing their UNC Greensboro Student Account, where all charges will appear.
| Characteristics | Values |
|---|---|
| Provider | Blue Cross and Blue Shield of North Carolina (Blue Cross NC) |
| Who can get it? | Students at UNC Charlotte, UNC Greensboro, and Distance Education students |
| Cost per semester | Premium Plan: $1583.50 (undergraduate) / $1802.92 (graduate) |
| Value Plan: $1226.80 (undergraduate) / $1396.54 (graduate) | |
| Payment method | Charges appear on student account |
| Coverage | Across the US and worldwide |
| Dependants covered? | No |
| Prescription medication covered? | Yes, but copays may be required |
| Waivers | Available if you already have insurance, e.g., through parents, TRICARE, or Veteran Affairs |
| Activation | Must activate online after purchasing |
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What You'll Learn
Deadlines for payment
UNC Charlotte
For UNC Charlotte, the deadline for fall semester insurance enrollment or waiver submission is September 10, and the deadline for the spring semester is January 31. There is a two-week appeal period if students miss the September 10 waiver deadline. The Student Blue portal remains open to receive enrollments or waivers through September 24. After enrollment in a premium plan, allow up to 7 business days for the premium plan upcharge to be added to the student account if enrollment is completed after July. If enrollment is done between May and June, the charge will be added around the first week of July.
UNC Greensboro
For UNC Greensboro, the deadlines are similar to UNC Charlotte. The deadline for fall semester insurance enrollment or waiver submission is September 10, and the deadline for the spring semester is January 31. The Student Blue portal opens in June for the fall semester and November for the spring semester to accept insurance enrollments and waivers for "eligible, registered" students.
University Requirements
It is important to note that students must be enrolled at UNC Charlotte to use Student Blue Health services. Additionally, all students at UNC Greensboro are required to have health insurance, and they are automatically charged the current semester's premium amount for the Student Health Insurance Plan (SHIP) upon registration for the semester.
Please note that the information provided is based on the search results and may not be exhaustive. It is always advisable to refer to the official websites or contact the respective universities for the most up-to-date and accurate information regarding deadlines and payment procedures for Student Blue Insurance.
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Waiving the insurance
Students at UNC Charlotte are required to have health insurance. Students may remain on their parents' insurance, buy their own health insurance plan, or purchase the Student Blue Student Health Insurance plan. To waive the Student Blue Health Insurance plan, eligible students must complete the online waiver process with their own creditable insurance coverage.
To be considered creditable coverage, a health insurance plan must meet the following criteria:
- Minimum total benefit/coverage of $100,000 (USD) per accident or illness
- Pregnancy and mental health benefits (must be comparable to the benefits offered in the Student Insurance plan)
Students with Medicaid, Public Health Plan, or coverage for onsite medical clinics such as UNC Charity Care, are not eligible for a waiver. Students with TRICARE or Veteran Affairs insurance must enter the sponsor or Military Member's social security number or DOD number and upload their military ID card or a military proof of health insurance coverage letter.
International students with non-US health insurance plans must meet the minimum requirements listed above, as well as have a minimum medical benefit of $100,000.
Once the waiver is submitted and approved, an insurance premium credit will be applied to the student's tuition account. This process can take up to 15 days. Students should refer to their recent emails from Student Blue and Student Health Insurance Dept. for the most up-to-date status of their waiver request.
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Payment methods
Students at UNC Charlotte are automatically enrolled in Student Blue health insurance and billed for it through their tuition account. Students can avoid this charge if they complete a waiver by the semester due date. This waiver can be submitted online through the Student Blue portal.
Students who are enrolled in the Student Blue plan will see all charges for the insurance premium on their student account. Students who withdraw from the university will have their Student Blue coverage cancelled and will be responsible for any claims made prior to the cancellation date.
Students who carry Student Blue will not be required to pay any fees upfront for medical services, except for prescription copays. Students will be billed for any charges that are not covered by the insurance company once Student Health has received reimbursement.
Students who wish to purchase Student Blue insurance must go online to activate the insurance by enrolling. Students can also waive using TRICARE or Veteran Affairs insurance by entering the sponsor or Military Member's social security number or DOD number.
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Insurance coverage
Students at UNC Charlotte and UNC Greensboro are automatically enrolled in Student Blue health insurance and billed on their tuition account, but they can waive this insurance if they already have existing coverage. Students who wish to waive Student Blue insurance must submit a request through the Student Blue portal and provide proof of existing insurance. Distance Education students may also be eligible to enrol in the Student Blue Plan.
Students who carry Student Blue insurance will not need to pay any fees upfront for medical services, except for prescription copays. Student Blue will submit claims on behalf of students, and reimbursement typically takes between 2-4 weeks. Once reimbursement is received, the student account may be billed for any charges not covered by the insurance company. Students will receive a secure email on the patient portal for more details on any denied claims.
Students who withdraw from the university will no longer be eligible for medical services, except for one follow-up visit at the provider's discretion. Students who were enrolled in Student Blue insurance will be responsible for any claims made prior to their withdrawal.
Student Blue insurance does not provide coverage for dependents, including spouses, domestic partners, and children. It is also important to note that Medicaid Family Planning is not considered credible health insurance and will not be approved for a waiver.
Student Blue from Blue Cross and Blue Shield of North Carolina offers quality health insurance that meets the specific needs of college and university students. Students can choose a plan from a trusted company with reliable student health coverage for over 25 years. Student Blue provides access to a large provider network with coverage in all 100 counties in North Carolina, as well as healthcare coverage across the United States and worldwide.
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Benefits of Student Blue
Students are required to have health insurance, either by remaining on their parents' insurance or buying an individual insurance plan. Students without insurance may purchase the Student Blue Health Insurance plan. Students will be automatically billed and enrolled in the Student Blue coverage unless a waiver is completed by the semester due date.
Student Blue from Blue Cross and Blue Shield of North Carolina provides quality health insurance that meets the specific needs of college and university students. Here are some of the benefits:
- Student Blue has been a trusted provider of student health coverage for more than 25 years, with the backing of parents, universities, and colleges for over 90 years.
- Students get access to a large provider network with coverage in all 100 counties in North Carolina.
- Healthcare coverage extends across the United States and around the world, giving students peace of mind wherever they are.
- Students can choose between the Value and Premium plans, with the option to add a secondary email address, such as a parent's address.
- Students enrolled in summer classes are not charged the insurance rate and are not required to submit proof of insurance.
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Frequently asked questions
Student Blue Insurance is a health insurance plan offered by Blue Cross and Blue Shield of North Carolina. It provides quality health insurance that meets the specific needs of college and university students.
Students enrolled at UNC Charlotte or UNC Greensboro are eligible for Student Blue Insurance. Distance Education students may also be eligible for the plan.
Students are automatically enrolled and billed for Student Blue Insurance. The charges will appear on the student's account. Students can also waive the insurance by providing proof of existing insurance.
For Fall 2025 and Spring 2026, the Premium Plan costs $1583.50 per semester for undergraduates and $1802.92 for graduates. The Value Plan costs $1226.80 per semester for undergraduates and $1396.54 for graduates.
Student Blue Insurance covers most types of treatment, but there may be some exceptions depending on the specifics of your plan. It does not provide coverage for dependents such as spouses, domestic partners, or children.
