{"id":369,"date":"2025-08-26T15:56:14","date_gmt":"2025-08-26T15:56:14","guid":{"rendered":"https:\/\/www.mtsu.edu\/healthservices\/?page_id=369"},"modified":"2026-07-27T04:01:24","modified_gmt":"2026-07-27T04:01:24","slug":"wellfleet-insurance","status":"publish","type":"page","link":"https:\/\/www.mtsu.edu\/healthservices\/wellfleet-insurance\/","title":{"rendered":"Wellfleet Insurance for International Students"},"content":{"rendered":"\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.studentinsurance.com\/Client\/2385\" target=\"_blank\" rel=\"noreferrer noopener\">Wellfleet Insurance Information<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">All International Students of the Policyholder taking one or more credits are required to have health insurance coverage and will be enrolled in the Student Health Insurance Plan on a mandatory basis. The Premium will be added to the student\u2019s tuition fees.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">FAQs for International Students<\/h4>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-block accordion expandable-group expandable-group-faq\" id=\"newExpandable\">\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingwho-is-required-to-have-health-insurance\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablewho-is-required-to-have-health-insurance\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablewho-is-required-to-have-health-insurance\">Who is required to have health insurance?<\/button><\/h2><div id=\"collapsenewExpandablewho-is-required-to-have-health-insurance\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingwho-is-required-to-have-health-insurance\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Things to remember:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You must maintain health insurance coverage while you are in the US, even if you are not taking classes, for example, during the summer.<\/li>\n\n\n\n<li>Failure to maintain this coverage could subject you to be reported as out of status, which could result in deportation.<\/li>\n\n\n\n<li>If you have dependents with you, you must provide coverage for them as long as they are in the US, as well.<\/li>\n\n\n\n<li>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.<\/li>\n\n\n\n<li>With or without insurance, you are responsible for the full costs of your medical expenses, including co-pays and deductibles.<\/li>\n\n\n\n<li>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\u2019s list of approved providers.<\/li>\n\n\n\n<li>You should always contact your insurance company prior to visits to doctors and hospitals off campus to ensure your insurance will cover those expenses.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingwhere-can-i-find-detailed-information-about-the-plan-and-what-it-covers\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablewhere-can-i-find-detailed-information-about-the-plan-and-what-it-covers\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablewhere-can-i-find-detailed-information-about-the-plan-and-what-it-covers\">Where can I find detailed information about the plan and what it covers?<\/button><\/h2><div id=\"collapsenewExpandablewhere-can-i-find-detailed-information-about-the-plan-and-what-it-covers\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingwhere-can-i-find-detailed-information-about-the-plan-and-what-it-covers\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">Visit <a href=\"https:\/\/www.studentinsurance.com\/Client\/2385\">www.studentinsurance.com\/Client\/2385<\/a> and follow the link to \u201cDiscover your Benefits\u201d.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingwhat-are-the-coverage-period-dates\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablewhat-are-the-coverage-period-dates\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablewhat-are-the-coverage-period-dates\">What are the coverage period dates?<\/button><\/h2><div id=\"collapsenewExpandablewhat-are-the-coverage-period-dates\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingwhat-are-the-coverage-period-dates\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Period<\/td><td>Coverage Dates<\/td><\/tr><tr><td>Fall<\/td><td>August 1 &#8211; December 31<\/td><\/tr><tr><td>Spring\/Summer<\/td><td>January 1 &#8211; July 31<\/td><\/tr><tr><td>Summer<\/td><td>May 1 &#8211; July 31<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">You will be billed once in the fall semester and once in the spring semester. The spring premium will cover summer as well.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headinghow-is-the-payment-billed\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablehow-is-the-payment-billed\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablehow-is-the-payment-billed\">How is the payment billed?<\/button><\/h2><div id=\"collapsenewExpandablehow-is-the-payment-billed\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headinghow-is-the-payment-billed\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">International students will have their premium billed to their bursar account.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headinghow-do-i-enroll-in-the-wellfleet-student-health-insurance-coverage\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablehow-do-i-enroll-in-the-wellfleet-student-health-insurance-coverage\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablehow-do-i-enroll-in-the-wellfleet-student-health-insurance-coverage\">How do I enroll in the Wellfleet Student Health insurance coverage?<\/button><\/h2><div id=\"collapsenewExpandablehow-do-i-enroll-in-the-wellfleet-student-health-insurance-coverage\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headinghow-do-i-enroll-in-the-wellfleet-student-health-insurance-coverage\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">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.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headinghow-do-i-get-an-insurance-card\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablehow-do-i-get-an-insurance-card\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablehow-do-i-get-an-insurance-card\">How do I get an insurance card?<\/button><\/h2><div id=\"collapsenewExpandablehow-do-i-get-an-insurance-card\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headinghow-do-i-get-an-insurance-card\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">Once enrolled, you will be able to access your ID card online <a href=\"https:\/\/www.studentinsurance.com\/MyAccount\/Account\/Index\/2385\"><strong>here<\/strong><\/a>.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingcan-i-purchase-coverage-for-my-spouse-and-children\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablecan-i-purchase-coverage-for-my-spouse-and-children\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablecan-i-purchase-coverage-for-my-spouse-and-children\">Can I purchase coverage for my spouse and children?<\/button><\/h2><div id=\"collapsenewExpandablecan-i-purchase-coverage-for-my-spouse-and-children\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingcan-i-purchase-coverage-for-my-spouse-and-children\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">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.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingis-pregnancy-covered\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandableis-pregnancy-covered\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandableis-pregnancy-covered\">Is pregnancy covered?<\/button><\/h2><div id=\"collapsenewExpandableis-pregnancy-covered\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingis-pregnancy-covered\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">Yes, pregnancy is covered under the same benefits as any other condition.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headinghow-do-i-know-if-my-doctor-is-in-the-wellfleet-cigna-ppo-network\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablehow-do-i-know-if-my-doctor-is-in-the-wellfleet-cigna-ppo-network\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablehow-do-i-know-if-my-doctor-is-in-the-wellfleet-cigna-ppo-network\">How do I know if my doctor is in the Wellfleet\/Cigna PPO network?<\/button><\/h2><div id=\"collapsenewExpandablehow-do-i-know-if-my-doctor-is-in-the-wellfleet-cigna-ppo-network\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headinghow-do-i-know-if-my-doctor-is-in-the-wellfleet-cigna-ppo-network\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">Visit <a href=\"https:\/\/www.studentinsurance.com\/Client\/2385\">www.studentinsurance.com\/Client\/2385<\/a> and select \u201cFind Health Professionals.\u201d<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingam-i-covered-during-the-summer\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandableam-i-covered-during-the-summer\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandableam-i-covered-during-the-summer\">Am I covered during the summer?<\/button><\/h2><div id=\"collapsenewExpandableam-i-covered-during-the-summer\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingam-i-covered-during-the-summer\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">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.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingcan-i-extend-the-wellfleet-student-health-insurance-coverage-after-i-graduate\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandablecan-i-extend-the-wellfleet-student-health-insurance-coverage-after-i-graduate\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandablecan-i-extend-the-wellfleet-student-health-insurance-coverage-after-i-graduate\">Can I extend the Wellfleet Student Health insurance coverage after I graduate?<\/button><\/h2><div id=\"collapsenewExpandablecan-i-extend-the-wellfleet-student-health-insurance-coverage-after-i-graduate\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingcan-i-extend-the-wellfleet-student-health-insurance-coverage-after-i-graduate\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">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.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingis-dental-treatment-included\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandableis-dental-treatment-included\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandableis-dental-treatment-included\">Is dental treatment included?<\/button><\/h2><div id=\"collapsenewExpandableis-dental-treatment-included\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingis-dental-treatment-included\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">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). <strong>The policy does not cover routine or preventive dental care for insureds age 19 and above.<\/strong><\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-mtsu-blocks-expandable-item accordion-item expandable-heading expandable-heading-faq\"><h2 class=\"accordion-header\" id=\"headingare-vision-related-care-and-preventive-vision-services-included\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsenewExpandableare-vision-related-care-and-preventive-vision-services-included\" aria-expanded=\"false\" aria-controls=\"collapsenewExpandableare-vision-related-care-and-preventive-vision-services-included\">Are vision-related care and preventive vision services included?<\/button><\/h2><div id=\"collapsenewExpandableare-vision-related-care-and-preventive-vision-services-included\" class=\"accordion-collapse collapse expandable-content expandable-content-faq\" aria-labelledby=\"headingare-vision-related-care-and-preventive-vision-services-included\" data-bs-parent=\"#newExpandable\"><div class=\"accordion-body\">\n<p class=\"wp-block-paragraph\">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). <strong>The policy does not cover routine or preventive vision care for insureds age 19 and above.<\/strong><\/p>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>All International Students of the Policyholder taking one or more credits are required to have health insurance coverage and will be enrolled in the Student Health Insurance Plan on a mandatory basis. The Premium will be added to the student\u2019s tuition fees. FAQs for International Students<\/p>\n","protected":false},"author":137,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-369","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.mtsu.edu\/healthservices\/wp-json\/wp\/v2\/pages\/369","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mtsu.edu\/healthservices\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.mtsu.edu\/healthservices\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.mtsu.edu\/healthservices\/wp-json\/wp\/v2\/users\/137"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mtsu.edu\/healthservices\/wp-json\/wp\/v2\/comments?post=369"}],"version-history":[{"count":2,"href":"https:\/\/www.mtsu.edu\/healthservices\/wp-json\/wp\/v2\/pages\/369\/revisions"}],"predecessor-version":[{"id":622,"href":"https:\/\/www.mtsu.edu\/healthservices\/wp-json\/wp\/v2\/pages\/369\/revisions\/622"}],"wp:attachment":[{"href":"https:\/\/www.mtsu.edu\/healthservices\/wp-json\/wp\/v2\/media?parent=369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}