Why Student Health Insurance Is Required
Students' wellbeing is a top priority at Belmont. In alignment with this commitment, Belmont requires all full-time, degree-seeking undergraduate and graduate students to have health care coverage while enrolled at the University.
This policy is rooted in our dedication to students’ health and safety. Adequate health insurance safeguards against unexpected medical costs and ensures access to essential health care resources when needed, promoting uninterrupted focus on your academic journey.
Fall 2025 Insurance Enrollment Information
For those who are uninsured or seek coverage for areas near campus or wherever residing while attending Belmont, Belmont now offers a comprehensive and affordable health insurance plan. Additional details on the plan can be found below. The deadline to confirm your enrollment in the Belmont SHIP or to waive the plan with proof of other health insurance coverage will correspond to the semester’s tuition payment deadline. The portal opens in May for Fall 2025 plan enrollment and waivers.
Note: There is no enrollment or waiver process for current students attending summer classes who were enrolled in the Fall 2024 and Spring 2025 terms. However, new students starting courses in the summer, including some graduate programs and Bell Tower students, will need to complete the enrollment or waiver process starting June 1.
Students with Insurance
If you already have health insurance coverage through an employer, family member or through the U.S. health insurance marketplace, you will simply need to upload proof of insurance to the Belmont SHIP portal when it opens in May. Uploading proof of insurance by the deadline of July 7 will ensure that the insurance premium charge is not included on your bill.
After this deadline, the charge for insurance will appear on your bill. Once you provide proof of insurance, the insurance premium charge will be removed from your account within 7-10 days (Dates may vary slightly for some graduate programs including medicine and law).
Students without Insurance or without Insurance in TN
Students without adequate health coverage in Tennessee (or wherever residing while enrolled at Belmont, such as a Belmont USA location) may choose to enroll in the Belmont SHIP through United Healthcare. The Belmont SHIP provides comprehensive coverage, including emergency, non-emergency, preventive care, mental health and prescription drug services.
Students who do not provide proof of insurance by the July 7 deadline will be automatically opted in to the Belmont SHIP, and the charge will be included in the student bill.
Important SHIP Information
2025-26 Coverage Periods
| Student Description | Coverage Period | Waiver Deadline |
|---|---|---|
| Newly enrolled & returning students for Fall 2025 | August 21, 2025 – August 20, 2026 | July 7, 2025 |
| Newly enrolled Frist College of Medicine students | August 1, 2025 – July 31, 2026 | July 18, 2025 |
| Newly enrolled students for Spring 2025 | January 7, 2026 – August 20, 2026 | January 2, 2026 |
Details for the 2025-26 plan with coverage provided by United Healthcare will be finalized in May. Cost is anticipated to be $3,275 annually ($1,637.50 per semester). Coverage Benefits and Health Insurance Brochure for the 2024-25 academic year will provide an overview of the type of coverage to be expected in the Belmont SHIP. All services in the Belmont Health Services Clinic are covered at 100% with no deductible or copay for students on the Belmont SHIP.
To waive the student insurance plan, you are required have health care coverage and to upload your insurance ID card using the steps below. NOTE: If you take no action, you will be automatically enrolled in Belmont’s SHIP, and the charge will be placed on your student account.
Waive Coverage
- Visit Belmont's UHCSR website.
- Click “Waive Coverage”
- Enter your full birthday and BUID.
- After entering date of birth and BUID, you will receive a verification code to your Belmont-affiliated email address. Completing this two-factor authentication is required for moving on to the next step.
- Review your Personal Information. Make sure to fill out all the information. Some of the information may automatically fill out based on your BUID. Ensure the information is correct. Click Next.
- Answer a question about if you have current health care coverage. Click Next.
- Complete information about your current insurance. Follow the steps on the screen and make sure to fill out each area. If you do not have a Group Number, you will need to enter N/A. If you do not have an insurance card to upload, you will need to upload the email confirmation or other supporting documentation. Make sure the file is tif, .tiff, .jpg, .jpeg, .png, or.pdf, up to 3MB. You may upload up to 3 documents. Click Next.
- Sign and Summit.
You will see a green checkmark once your waiver is approved. If your waiver is approved, the health insurance charge will not be placed on your student account. If your waiver is denied, please reach out to studentinsurance@belmont.edu.
For other questions about the Belmont SHIP, please contact the Support Team at 1-866-233-4512 or studentinsurance@belmont.edu.
Enrollment for the Belmont SHIP through the online portal opens in May and will remain available until August 1 for the 2025-26 annual plan. Students who wish to enroll after August 1 will be able to do so through a manual process up until the first day of classes.
To Opt-in (Opt-In Site is Not Yet Available - students will be notified when that option opens on the portal later in May):
- Visit Belmont's UHCSR website.
- Click the link to “Opt-In.”
- Enter your full date of birth and BUID.
- Select the Annual Policy Term. Click Next.
- Review your Personal Information. Make sure to fill out all the information. Some of the information may automatically fill out based on your BUID. Ensure the information is correct. Click Next.
- Sign and Summit.
The “Opt-In” link confirms you wish to be enrolled in the Belmont Student Insurance Plan, and the premium will be placed on your student account. You will have an option to print the page for your records. You will receive an email message confirming the policy details.
Frequently Asked Questions About SHIP
Questions About Deadlines, Waivers & Premiums
The deadline to opt in or waive coverage for Fall 2025 is July 7. This ensures that students who plan to opt-in for coverage are able to have their insurance premium charge added to their student account in time for billing. Students who complete the waiver after this date will need to submit their waiver information and, once approved, wait 7-10 business days to see the update on their student account.
| Student Description | Waiver Deadline |
|---|---|
| Newly enrolled & returning students for Fall 2025 | July 7, 2025 |
| Newly enrolled Frist College of Medicine students | July 18, 2025 |
| Newly enrolled students for Spring 2025 | January 2, 2026 |
Students that do not take any action will be automatically enrolled into Belmont SHIP and will be responsible for the insurance premium charge.
You have the opportunity to waive the student insurance plan through the Belmont SHIP portal (Belmont's UHCSR website). The portal will remain active through mid-August, and you will simply need to upload your insurance ID card.
You will need to upload any supporting documentation that can verify your health care coverage. You will be able to upload up to 3 documents.
Your information may not be added to the UHC portal. Please contact studentinsurance@belmont.edu explaining the error, and someone will add your information to the portal.
Students who submitted an online waiver form and received a denial will have the opportunity to submit additional documentation in support of their waiver request. If a student has met all applicable deadlines and received a waiver denial, they may appeal the decision to Belmont’s Student Health Insurance Plan Appeals Committee. Appeals must be submitted using the SHIP Waiver Appeals form. Download, print out and complete this form, clearly outlining the rationale for the appeal and including all supporting documentation relevant to the request. The form must be completed and returned to Belmont Central within 10 days of the waiver denial. A Belmont Central representative will be in touch with the student regarding the Committee’s decision. Students with questions about the appeals process should email studentinsurance@belmont.edu.
The current premium is $3,275 for the year and will be divided into two equal charges of $1,637.50 for the Fall and Spring Semester.
Questions About Eligibility and Coverage
All full-time, degree-seeking undergraduate students enrolled in 12 or more credit hours, and full-time, degree seeking graduate students enrolled in six or more credit hours are eligible for the Belmont SHIP.
All new and current undergraduate and graduate students (excluding medical school students): August 21, 2025 – August 20, 2026
All new and current medical school students: August 1, 2025 – July 31, 2026
All new Spring 2026 enrolled undergraduate and graduate students: January 7, 2026 – August 20, 2026
Details for the 2025-26 plan will be finalized in May with coverage provided by United Healthcare. The Coverage Benefits and Health Insurance Brochure for the 2024-25 academic year will provide an overview of the type of coverage to be expected in the Belmont SHIP.
All services in the Belmont Health Services Clinic are covered at 100% with no deductible or copay for students on the Belmont SHIP.
The Enrollment Period is May - August 1 through the online portal. Students who wish to enroll in the Belmont SHIP after August 1 will be able to do so through a manual process with details announced this summer.
YES, coverage goes until the day before the first day of the next school year.
YES. This has coverage internationally, BUT internationally it will only cover urgent/acute situations. The insurance will not cover preventive care, but if you get the flu, break a bone, have an accident, etc. everything is covered at the in-network levels.
If you are graduating in December, you have an option to keep the Belmont SHIP for the full coverage period. However, the full annual premium must be paid prior to graduation to maintain benefits. This ensures there is no outstanding balance and that coverage remains active while students seek employment. For those who wish to discontinue coverage, cancellation requests should be sent to studentinsurance@belmont.edu. This should be done by November 15 of each Fall semester.
Open Enrollment for new incoming student students for the Spring semester will open each November. Please revisit this website for updates on that timing.
Students may enroll in dependent coverage by visiting the UHC Portal. Eligible dependents include a student’s married spouse or child (under the age of 26). It is the student’s responsibility to enroll eligible dependents each year. Dependents are not automatically re-enrolled. The premium rate will be different, and additional information can be found through the UHC portal or by contacting the Support Team at 866-233-4512.
Sign in or register for an account through the UHC portal for 24/7 access to see your benefits, find network doctors, view and pay claims and more.
Log into your Account at www.uhcsr.com/myaccount to access your ID card.
Questions About Payment Options
The Belmont Student Health Insurance premium will be charged to your student account. We offer multiple payment options such as personal check, online ACH payment, credit card or utilizing financial aid.
Yes. Since the insurance premium will be charged to your student account, you can utilize our payment plan options each semester.
Federal, state, institutional and outside financial aid is applied to all direct university charges first (tuition, fees, housing and meals). Additional aid (loans) can be borrowed to cover the health insurance premium. However, we are required to obtain written Title IV authorization to use those loan disbursements to pay for the premium. The Office of Student Financial Services would need to confirm loan eligibility before the student can apply for loans.
Additional aid can be borrowed to cover the Health Insurance Premium. However, we are required to obtain written Title IV authorization to use those loan disbursements to pay for the premium. The Office of Student Financial Services would need to confirm loan eligibility before the student can apply for additional loan funds.
Federal, state, outside and institutional financial aid is applied to all applicable university charges first (tuition, fees, housing and meals) and indirect charges such as books/supplies. Institutional aid from Belmont cannot be used to cover the health insurance premium. Additional aid needed to cover the insurance premium would require a Title IV authorization to be completed for federal funds to cover the charge.
Contact Us
For General Belmont Student Health Insurance Support:
studentinsurance@belmont.edu
Call 866.233.4512
For Medical Students, contact the Thomas F. Frist, Jr. College of Medicine:
Call 615.460.5905
For International Students, contact Shauna Walsh:
Email Shauna
For Belmont Athletics Insurance Requirements:
sportsmedicine@belmont.edu
Additional Questions
For additional enrollment and financial services related questions, contact Belmont Central:
Call 615.460.5402
For questions about using Belmont Student Health Insurance at Belmont's Health Services Clinic:Call 615.460.6194