Savanna Hoffman
There are a variety of health insurance options available to graduate students at Wayne State University. The university has two medical plan designs: Plan 1 and Plan 2. The plan design that a student is enrolled in depends on their employee group/classification. The university pays a large share of the cost of health insurance, with the remainder being paid by the student through automatic bi-weekly deductions from their pay. Students who are not enrolled in WSU medical insurance may enroll in the Voluntary Vision Plan (basic or enhanced) at the time of hire, during Open Enrollment, or upon a qualified Life Event. International students at Wayne State University are required to enroll in the WSU Student/Scholar Health Insurance plan (IHIP) provided by Blue Cross Blue Shields of Michigan and managed by Gallagher Student Health. Students in the School of Medicine are required to maintain adequate health insurance coverage as a condition of enrollment and are automatically enrolled in the Blue Care Network/Blue Cross Blue Shield of Michigan Group Health Benefits Plans unless they are eligible for a waiver.
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What You'll Learn
International students and scholars
- The University Health Insurance Policy for F-1 and J-1 Visa holders: This policy is provided by Relation Insurance Services and is known as the WSU Student/Scholar Health Insurance Plan (IHIP). It is mandatory for F-1 and J-1 international students and scholars whose 1-20 or DS-2019 was issued by Wayne State University. This plan is also required for F-1, F-2, J-1, and J-2 dependents, including Canadian F-1 and J-1 students. You can purchase this insurance on an annual or semester basis and pay with a Visa or MasterCard. The annual policy coverage year runs from August 1 to July 31, so timely renewal is necessary to maintain coverage.
- The School of Medicine Health Insurance Policy: This policy is specifically for students in the MD program at the WSU School of Medicine. International students must purchase either the IHIP student plan through the Gallagher Student Health Portal or the medical school's comprehensive group health plan. F-1 Canadian students living in Canada and commuting to the US for classes can opt out of the IHIP by providing proof of coverage through the Ontario Health Insurance Plan (OHIP).
It's important to note that international students should not purchase health insurance from their home country, as Wayne State University's health insurance standards comply with the US Federal Health Care Reform Law (PPACA). Additionally, students with other forms of health coverage, such as embassy sponsorship or a GRA/GTA/GSA position with WSU, may be eligible for a waiver from the IHIP. However, a waiver application must be submitted, and proof of alternative coverage provided.
The Gallagher Student Health Portal is the primary payment method for the IHIP, and it is also used to process premium payments for student health insurance. For those enrolled in coverage outside of the student health plans, it is recommended to contact your insurance provider to inquire about in-network providers.
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MD students
All MD students at Wayne State University School of Medicine are required to have health insurance as a condition of their enrollment. The university has negotiated two comprehensive group health plans on behalf of its students and has made it mandatory at a reasonable price. These policies are provided through Blue Care Network (POS) and Blue Cross Blue Shield of Michigan (PPO) and are considered to be the best value available in terms of the benefits package for the premium charged. The benefits include adult immunizations approved by the U.S. Centers for Disease Control and Prevention. Students will be enrolled in the Blue Care Network/Blue Cross Blue Shield of Michigan Group Health Benefits Plans unless they are eligible for a waiver.
International students in the MD program must purchase either the IHIP student plan purchased through the Gallagher Student Health Portal or the medical school's comprehensive group health plan. F-1 Canadian students living in Canada and commuting to the U.S. daily for classes can opt out of the university's IHIP by providing proof of coverage through the Ontario Health Insurance Plan (OHIP). Sponsored students through their embassy/home country with an agreement with WSU can also meet the health insurance requirement by sending a copy of their financial guarantee letter to the university.
Students interested in enrolling in adult dental and/or vision care should contact the insurance broker, Michael Vincent, for additional information. All medical students must purchase the school's disability insurance coverage annually, regardless of whether they receive other disability insurance coverage through their healthcare provider. Disability insurance premium payments are accepted and processed by CASHNet SmartPay, a third-party payment processor operating under an agreement with Wayne State University.
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Waiver options
All medical students at Wayne State University are required to have adequate health insurance as a condition of their enrollment in the medical school. The School of Medicine has negotiated two comprehensive group health plans: Blue Care Network (POS) and Blue Cross Blue Shield of Michigan (PPO). These policies are mandatory and provide benefits such as adult immunizations approved by the U.S. Centers for Disease Control and Prevention.
However, students may waive out of enrolling in student health insurance if they provide proof of other adequate health coverage outside of the university. Individual and/or private health plans are not a viable waiver option. To register for medical school, one must have the enrollment forms or waiver application completely filled out and signed at the time of registration.
For international students, there are two health insurance policies in effect:
- The University Health Insurance Policy for F-1 and J-1 Visa holders
- The School of Medicine Health Insurance Policy
Students are required to purchase the OISS health insurance policy, which qualifies for a School of Medicine Health Insurance policy waiver. Students do not need to purchase both policies. All F-1 and J-1 international students and scholars whose 1-20 or DS-2019 was issued by Wayne State University must enroll in the WSU Student/Scholar Health Insurance Plan (IHIP). This insurance plan is also required for F-1, F-2, J-1, and J-2 dependents. International students can buy insurance on an annual or semester basis and pay online with a Visa or MasterCard when they enroll.
If international students want to opt out of the university's IHIP, they must complete the Commuting Canadian Health Insurance Waiver form. Additionally, if they are a GRA/GTA/GSA at WSU or a WSU fellowship recipient with WSU health insurance as a benefit, they can use that plan to meet the health insurance requirement. Sponsored students through their embassy/home country with an agreement with WSU can also use their health insurance to meet the requirement.
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Dental and vision insurance
Wayne State University offers its students and employees comprehensive dental and vision insurance plans. The availability of these insurance plans depends on the type of affiliation one has with the university. For instance, whether one is a graduate or medical student, a GRA/GTA/GSA, an international student, a sponsored student, or an employee.
For students, the availability of dental and vision insurance plans depends on the type of program they are enrolled in. All international students (including Canadians) in the WSU School of Medicine must purchase either the IHIP student plan or the medical school's comprehensive group health plan. The IHIP student plan is also required for F-1, F-2, J-1, and J-2 dependents. Students in the MD program are required to have health insurance. All medical students must maintain adequate health insurance coverage as a condition of enrollment. The School of Medicine has negotiated two comprehensive group health plans through Blue Care Network (POS) and Blue Cross Blue Shield of Michigan (PPO) on behalf of its students. These policies are mandatory, but students may waive out of enrolling in student health insurance if they provide proof of other adequate health coverage. It is important to note that the student health plans only provide pediatric dental/vision insurance in accordance with the ACA. Students interested in enrolling in adult dental and/or vision care should contact the university's insurance broker, Michael Vincent, for additional information.
For employees, the availability of dental and vision insurance plans depends on whether they are in a benefits-eligible employee group and whether their appointment is 50% or greater. Eligible employees are offered comprehensive dental and vision insurance plans. Employees without WSU medical insurance coverage can voluntarily enroll in dental and vision insurance plans. Services for the dental insurance plan are available through the Delta Dental PPO network, while services for the vision insurance plan are available through the EyeMed “Select” network. Part-time faculty who meet the eligibility requirements may be eligible to enroll in voluntary dental and/or vision plans, which are 100% employee-paid.
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Payment options
Wayne State University offers its students two health insurance policies: the University Health Insurance Policy for F-1 and J-1 Visa holders and the School of Medicine Health Insurance Policy. All international students and scholars are required to enroll in the WSU Student/Scholar Health Insurance plan (IHIP) provided by Blue Cross Blue Shields of Michigan and managed by Gallagher Student Health. This insurance plan is also mandatory for F-1, F-2, J-1, and J-2 dependents. Students can buy insurance on an annual or semester basis and pay online with a Visa or MasterCard when they enroll. The annual policy coverage year runs from 1 August to 31 July.
If you are an F-1 Canadian student living in Canada and commuting to the U.S. daily for classes, you can opt out of the university's IHIP by providing proof of coverage through the Ontario Health Insurance Plan (OHIP). However, you can still purchase the WSU plan as a supplement to your OHIP if desired.
If you are a GRA/GTA/GSA at WSU or a WSU fellowship recipient with health insurance provided as a benefit, you can use that plan to meet the health insurance requirement. Sponsored students through their embassy or home country with an agreement with WSU can also use their health insurance to meet the requirement.
For medical students, the School of Medicine has negotiated two comprehensive group health plans: Blue Care Network (POS) and Blue Cross Blue Shield of Michigan (PPO). Students will be enrolled in these plans unless they are eligible for a waiver. Health insurance premium payments are accepted and processed by Gallagher Student Health, a third-party insurance processor. Students may waive student health insurance by providing proof of other adequate health coverage.
Disability insurance premium payments are accepted and processed by CASHNet SmartPay, another third-party payment processor.
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Frequently asked questions
There are two health insurance plans available to graduate students at Wayne State University: Plan 1 and Plan 2. The plan you choose will depend on your employee group/classification.
The key differences between the two plans are summarised on the Total Rewards webpage.
If you already have health insurance, you can apply for a waiver. However, individual and/or private health plans are not a viable waiver option.
You can apply for a waiver via the Blue Water Benefits website.
You can pay for your health insurance on the WSUSOM Gallagher Student Health website using Visa or Mastercard.
