Student Health Insurance

Student Health Insurance Plan

Hampton University requires that all full time undergraduate and international students have adequate health insurance coverage. The University has specific requirements that must be met for all enrolled undergraduate and international students. The requirements include a plan that provides appropriate coverage to access patient care providers in the Hampton Roads area for: emergency and non-emergency conditions, mental health, and prescription drug benefits. Coverage must remain in effect for the 2020-2021 academic year, with an unlimited policy year maximum and immediate pre-existing condition coverage.

If your coverage is a HMO and it does not provide guest privileges, it does not meet the University criteria. However, The University will maintain the insurance requirement for Fall with the stipulation that students will be allowed to waive the insurance with their plan from their out of state home address, if that plan is not acceptable in the Hampton University service area. Gallagher will remove the waiver verification criteria for the University’s insurance requirements for the Fall semester only since all students will be remote learning in their home state. Students that waive out in the Fall coverage period who then return to the University community in the Spring can complete the Spring coverage enrollment form if their plan is not acceptable in the Hampton University service area.

Undergraduate and International students will be automatically enrolled in the University sponsored Student Health Insurance Plan and the Fall premium will be billed to the student account, unless proof of adequate health insurance coverage is submitted. For the Spring coverage period, the University will bill the Spring period student insurance charge to the student account. Students who already have health insurance for the entire academic year and meet the above requirements must submit a waiver by September 15, 2020, and the waiver request must be approved to avoid being enrolled in the Student Insurance Plan. It is the responsibility of the student to verify whether or not the charge has been billed to your student account.

Graduate students are not required by the University to have health insurance coverage but are eligible if enrolled in six or more credit hours. To enroll go to The plan is a voluntary basis. All international students are automatically enrolled in the Student Health Insurance Plan (SHIP).

The plan is a Student Health Insurance Plan (SHIP). It is designed to meet the health care needs of the diverse student population attending Hampton University. The plan provides the student with comprehensive coverage to include prevention and wellness benefits. The annual premium for the 2020-2021 year for the undergraduate students is $1,209.00 per year. The coverage period is August 02, 2020 to August 01, 2021. Undergraduate and graduate students may select a plan for spouses and dependents. Please visit to enroll or waive the student health insurance plan.

The SHIP insurance carrier is Wellfleet Insurance Company. The account manager servicing the SHIP is Gallagher Student Health & Special Risk. They can be reached via telephone from 8:30am to 8:00pm EST at 877-498-7926 or by going to and clicking the Customer Service link. All healthcare claims are filed to Wellfleet, PO Box 15369 Springfield, Massachusetts 01115-5369. Wellfleet can be contacted via email at, their website,, or by calling (877) 657-5030.

The plan provides health insurance coverage anywhere in the United States and when students are traveling abroad. The SHIP is a PPO Network plan using the Cigna National PPO Network, with participating providers locally in the Hampton area as well as throughout the country. Information about Cigna’s PPO network providers can be located at The plan might pay, in addition to other insurance coverage, when an out of state HMO does not provide coverage and might assist with the deductibles or any unpaid balances that are not covered by the other available health insurance. All students with a limited, out of area coverage, or otherwise inadequate coverage in the Hampton Roads area will need to enroll in the student health insurance plan (SHIP).

Student Health Insurance FAQ (PDF)

Student Health Insurance Benefit Flyer (PDF)

2020-2021 Hampton University Buck Slip (PDF)