Insurance | Waldorf University

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 or purchase of a private health plan.

It is up to each student to determine if their insurance plan is accepted at Waldorf’s local medical providers and if their insurance coverage is adequate. 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 cannot participate in any practices, conditioning, weight training, or games/events until proof of primary health insurance is submitted and approved.

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

Please send any questions to nurse@waldorf.edu

Does your insurance have sufficient coverage?

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

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.
Your insurance will deny your medical claims and not pay anything toward your charges, so you will be responsible for the entire billed amount.
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?

Helpful links:

Student Medical Insurance Information

Health Insurance Requirements for All Full-time Residential Students

Does your insurance have sufficient coverage?