Important Annual Insurance Requirement

Before June 15th, you must waive or enroll in the Student Health Insurance Plan (SHIP).

Annually, all incoming and returning students are required to provide the Student Health Center with proof of health insurance coverage. This applies even if your insurance remains the same from last year. It is the student’s responsibility to contact their health insurance provider to find out how their coverage works while a student is attending school.  Please be certain that your private or state sponsored health insurance plan will cover a student away from home. Services away from home, such as blood tests, MRI’s, x-rays, behavioral health and care from a specialist are often not covered under a private or state sponsored insurance plan. If you choose to waive the student health insurance plan please look carefully at in-network vs. out-of-network costs and check to see if your health insurance plan covers southeast Pennsylvania.

REQUIREMENTS:  All enrolled students must be insured. If your private or state sponsored insurance plan does not meet the following requirements, you will need to enroll in the student health insurance plan.

  • Be effective through the end of the spring semester  (notify student health immediately if you should have a change or loss of coverage)
  • Provide for local emergency and urgent care
  • Cover local hospital admissions
  • Provide health coverage while studying abroad

Any medical services provided outside of Student Health and Wellness Service are billed directly to the student's insurance company by that medical provider. For example, emergency room care, hospital services, radiology services, and medical specialists will be billed directly to the student's health insurance provider.

It is the responsibility of the insured student to contact their insurance provider for pre-certifications and/or referrals as needed. The Student Health and Wellness Service does not directly bill medical insurance plans. Any labs done at SHWS will be billed through the student's health insurance company. It is the responsibility of the insured person to understand and request information from their insurance company regarding covered services.

Insurance FAQ's

Student Health Insurance Plan Questions? Contact the Student Health Center at health@swarthmore.edu

Financial aid eligibility Questions?  Contact Financial Aid at  finaid@swarthmore.edu.