Student Insurance

Coverage Cost & Billing

The estimated insurance cost for the 25-26 academic year is $1,622*. The premium is charged only once per year during the first semester of full-time enrollment for the academic year. This is the fall semester for most students, including fall off-campus-program participants. This charge will appear in the Denison statement.

*Upon approval by the State of Ohio

Coverage Period

Coverage extends for the entire 12-month period — 24 hours a day — at home, at school, or while traveling, including vacations.

2025-26 Year: Coverage beginning 8/1/25 to 7/31/26your.

Purchase & Enroll with United Health Care for 2025-2026

If you do not have health insurance through another individual or family plan, you must purchase and enroll in the Student Health Insurance Plan. Once your insurance coverage is active, you’ll receive an email letting you know that your ID card is available.

1. Go to the United Health Care Student Resources site
2. Type and select Denison University in the search field
3. Click the magnifying glass icon
4. Select “Opt-In”
5. Enter your Birthday and your Denison D Number as the Student ID

Student Health Insurance Plan ID Card

Once your insurance coverage is active, you’ll receive an email letting you know that your ID card is available. From there, you can access your ID card through the United Health Care website or mobile app 24/7.

The student should download an image of their ID card and have it with them at all times. It provides information necessary for filing a claim. In the event that medical attention is required, this card should be presented to providers at the time services are rendered.

To request a physical I.D. be mailed to you follow the instructions below.

Student Health Insurance Waiver Information

If you do not want to enroll in the Student Health Insurance coverage, provided that you have a comprehensive family or individual plan, you must complete the required online insurance waiver request and upload proof of insurance by July 24, 2025. Enrollment is automatic for all students unless the waiver is completed and approved; however, enrollment is necessary to access your Student Health Insurance ID card and plan coverage details.

Waive Student Health Insurance

If you have health insurance through another individual or family plan, you may elect to submit a waiver request for the Student Health Insurance Plan. Please note that out-of-state HMOs and cost-sharing plans are not eligible for the student health insurance waiver.

1. Go to the UnitedHealthCare Student Resources site
2. Type and select Denison University in the search field
3. Click the magnifying glass icon
4. Select “Waive Coverage”
5. Enter your Birthday and your Denison D Number as the Student ID

Note about Off-Campus Programs: The Denison Student Health Insurance Plan is an annual plan. Students who are participating in off-campus programs for one semester and expect to be on campus for the other, must accept or waive the insurance for the entire academic year. We urge you to review the plan as coverage is in effect anywhere in the world and includes medical evacuation and repatriation expenses.

Student Health Insurance Plan (SHIP)

All full-time students enrolled at Denison University are eligible for and included in the Student Health Insurance Plan.

Enrollment in the Student Health Insurance Plan is required for students who are not covered under a comprehensive family or individual plan or those who are covered under an out of area HMO plan, out of state Medicaid plan or a cost sharing plan.

This plan is optional for students covered under a comprehensive family or individual plan. Please note that a waiver request will undergo verification that your family or individual plan will provide adequate coverage.

Students must enroll or request to waive coverage by July 24, 2025. Lack of a completed waiver request by July 24, 2025, defaults to automatic acceptance of the insurance policy.

View the Student Insurance Brochure

Check out our provider information

Check out our provider presentation

Accident Only Insurance Plan

Denison has purchased an Accident Only Insurance Plan for all full-time students. The plan covers all full-time students regardless of whether they accept or waive the Denison Student Health Insurance Plan. The maximum benefit of this plan is $2,000 per covered injury for eligible expenses.

Denison Athletics and Club Sports

Denison has purchased two supplemental medical insurance plans to cover our athletes, with a maximum benefit of $90,000 for intercollegiate athletic injuries, and a maximum benefit of $25,000 for club sport injuries. The plans cover all our varsity and club sport athletes regardless of whether they accept or waive the Denison Student Health Insurance Plan.