Health Insurance Requirements for All Full-time Residential Students

ATTENTION STUDENTS: Please review your insurance policies to ensure coverage at Waldorf’s local medical providers and determine if your insurance coverage is adequate. 

Waldorf University requires all full-time residential students (12 or more credit hours) to be enrolled in and maintain a primary health insurance plan. This plan can be obtained through enrollment in a family member’s employee health plan, purchase of a private health plan, or the health plan offered through Waldorf University, Wellfleet, Inc.

It is up to each student to determine if their insurance plan is accepted at Waldorf’s local medical providers and to determine if their insurance coverage is adequate for them. It is important that each student understands his/her health insurance. All medical bills not covered by insurance are the responsibility of the student.

Athletes will not be able to participate in any practices, conditioning, weight training, or games/events until proof of primary health insurance or enrollment into Wellfleet is completed.

Students will maintain updated insurance information and copies of insurance cards through our online portal, Sportsware.

Please send any questions to

Wellfleet Insurance

The Wellfleet plan is a student insurance plan offered by Waldorf. Students will be provided this option of enrolling in Wellfleet as part of their check-in at the beginning of each year. It is accepted at all area medical providers local to Waldorf and at many locations across the USA through the CIGNA PPO. Please see the Wellfleet Insurance website for benefit information and details.

Following are the options and current costs offered by Waldorf University:

  • Option 1: Annual coverage Aug. 1, 2023 – July 31, 2024 Premium $1,891
  • Option 2: Spring only coverage Jan. 11, 2024 – July 31, 2024 Premium $1,101

Understanding your Insurance - Does it have sufficient coverage?

Questions you should ask/research to better understand your policy:

  • Will my insurance plan be accepted at the medical providers in the Forest City, Iowa area including visits to non-emergency or Urgent care facilities? You will need to call the Member Customer Service phone number on the back of your insurance card to ask if your plan is accepted at medical providers within 45 miles from the 50436 zip code. You should also ask if clinic visits, physical therapy visits and special testing (MRI) are covered in this area.
  • What does it mean that my insurance plan is NOT accepted? This means that your insurance will deny your medical claims and not pay anything towards your charges, so you will be responsible for the entire billed amount.
  • How much will I be responsible to pay if my insurance denies a claim? Usually, if a claim is denied by your insurance any negotiated reduced rates for usual and customary is not applied to your charged amount and you will be responsible for the entire billed amount.
  • If my insurance is an HMO, does it have a “Guest Membership” or “Out of Network” for college students?
  • If my insurance is an HMO, can I change it to a PPO so the medical providers around Forest City, Iowa accepts my plan?
  • Does my insurance require preauthorization before my visits?
  • Do I need to get a referral for visits to a medical provider?
  • How will my plan work if I go to a provider Out-of-Network?
  • How does my insurance coverage compare to Wellfleet Insurance offered by Waldorf?