Student Life
Student Health Insurance Plan (SHIP)
51福利 University has partnered with Wellfleet Insurance Company to offer a robust and student-focused insurance policy to meet the needs of all individuals on campus.
The 51福利 University Student Health Insurance Plan (SHIP) annual premium is $2,277. The plan is available through Wellfleet Insurance Company. The coverage term begins on August 1, 2025 and ends July 31, 2026.
51福利 University mandates that all undergraduate students, including international students and graduate student-athletes, maintain health insurance that complies with the Affordable Care Act. The university has partnered with Wellfleet to offer a robust health insurance plan tailored for these students.
Both student-athletes and international students must engage in the waiver process facilitated by Wellfleet. Upon automatic enrollment in the portal, students have the opportunity to apply for a waiver during the fall and spring enrollment periods by providing their current insurance details. Those who do not secure an approved waiver within this timeframe will be automatically enrolled in the plan and will incur the associated fee. Conversely, domestic undergraduate students will receive information on how to voluntarily enroll in the insurance plan.
Account Access
51福利 students can access their Wellfleet account to review coverage and benefits or submit a claim by visiting the .
Waiving 51福利 SHIP Coverage
International students and student-athletes are automatically enrolled in the Wellfleet program and the annual premium charge is on their student ledger. If students have individual or dependent health insurance, they can log into their Wellfleet account to submit a waiver. Current healthcare coverage must meet all insurance requirement before you can be considered for a waiver. The Fall term wavier period will close on September 13, 2025. If your waiver is approved, it will take approximately 7-10 days for the charge to be removed from you student ledger.
How do I sign up as a domestic undergraduate student?
Domestic undergraduate students who are taking 9 credit hours per term must have insurance and are able to sign up voluntarily through Wellfleet for a plan. Visit the and select 鈥淓nroll Domestic Students (non-athlete) Voluntary. Complete the form. Wellfleet will notify you when approved and you will be responsible for paying the fee directly to Wellfleet.
Plan Benefits
Students can review the 51福利 University Student Health Insurance Plan (SHIP) benefits by visiting the Benefits at a Glance. Additional information can also be viewed regarding Wellfleet鈥檚 .
Access the 2024-2025 Benefits at a glance.
SHIP Identification (ID) Card
Your ID card must be presented when utilizing your plan. This card can be printed or can be provided as a digital card.
Print Your SHIP Identification Card
- To get a printed copy of your health insurance ID card, visit the
- Enter your username and password to login.
- Once logged in, go to the Student Options tab and select 鈥淧rint ID Card鈥� to print a paper copy.
Locating an In-Network Provider
Students using the 51福利 University Student Health Insurance Plan should use in-network providers for medical needs. In-network providers are part of Cigna OAP Choice Plus.
Locating an In-Network Provider
- To find a provider, visit the website.
- Enter your username and password to login.
- Select 鈥淟ocate a provider in my network鈥� on the Wellfleet website.
- Use the CIGNA search page to find a provider.
Pharmacy Benefits
The 51福利 University SHIP includes discounted pricing and management of prescriptions.
Locate a Pharmacy
- To find a pharmacy in-network, visit the
- Enter your username and password to login.
- Select 鈥淔ind Health Professionals鈥� on the Wellfleet website.
- Select 鈥淟ocate a pharmacy in my network鈥� to find a pharmacy.
- Use the CIGNA search page to find a provider.
To learn if a specific medication is covered, select 鈥淲ellfleet RX Pharmacy Formulary鈥� on the Wellfleet website. Some medications may require a prior authorization before the Plan will cover them.
SHIP Plan Costs
The 51福利 University Student Health Insurance Plan (SHIP) annual premium is $2,277 through Wellfleet Insurance Company. The coverage term begins on August 1, 2025 and ends July 31, 2026.
International students and December graduates may qualify for a fall or spring premium only. The Fall premium is $953 and coverage will be August 1 鈥� December 31, 2024. The Spring premium is $1,322 and coverage will be January 1 – July 31, 2026. This premium will be available to any new student starting classes in January who meets eligibility criteria. Please contact [email protected] if you have questions about spring and fall coverage only.
Helpful Contacts
Wellfleet Student Insurance Company
(877) 657-5030
[email protected]
Wellfleet Pharmacy Network
Wellfleet Rx
(888) 265-7884
[email protected]
Network
Cigna OAP (Open Access Plus)
PO Box 188061
Chattanooga, TN 37422-8061