Private Insurance

If you already have health insurance coverage through an individual, family, employer or government-sponsored (i.e., Medicaid) plan, you can submit aÌýwaiver to use your own plan.

How to submit a waiver

You can submit a waiver through the insurance portal using the information on your current insurance card.Ìý

All waivers are reviewed to ensure insurance plans meet minimum requirements.ÌýÌý

  • If your waiver is approved, you will receive confirmation through your CU email.Ìý
  • If additional information is needed, you will receive a request through your CU email.Ìý
  • If your waiver is denied, you will be automatically enrolled in the Anthem Gold SHIP.Ìý

Ìý ÌýPlease note: International exchange students may need to provide specificÌýinsurance documentation. Please contact the International Student and Scholar Services (ISSS) officeÌýfor more information.Ìý

Submission deadlines
Ìý

Fall

  • Submission dates:ÌýJune 18 to Sept. 15, 2024Ìý
  • Submission deadline:ÌýSept. 15, 2024Ìý

ÌýÌý Please note:ÌýThe insurance portal for fall is now closed.

All waivers must be submittedÌýandÌýapproved before the deadline.

Spring

  • Waiver opens:ÌýDec. 17, 2024
  • Approval deadline:ÌýFeb. 13, 2025Ìý

All waivers must be submittedÌýandÌýapproved before the deadline.

ÌýÌý Please note:ÌýThe insurance portal for spring will open Dec. 17, 2024.

ÌýPlease note: If you do not submit proof or if your waiver is denied by the deadline, you will be automatically enrolled in the Anthem Gold Student Health Insurance Plan (SHIP) and billed for the semester. No refunds are issued after the deadline. To submit a new waiver, you must wait until the next submission period.Ìý

In-network benefits

Private insurance can be used at Medical Services and Counseling and Psychiatric Services (CAPS).Ìý

CU Â鶹ӰԺ accepts most major health insurance plans on campus, including:Ìý

  • AnthemÌý
  • CignaÌý
  • United HealthcareÌý
  • TricareÌý

To check your in-network benefits, please call your insurance company or search their website. All Medical Services providers have a national provider identifier (NPI) number that can help you determine in-network coverage.Ìý

If Medical Services is out of network, you can enroll in the BuffCare supplemental coverage program to help cover out-of-network costs.Ìý

Learn more about services and on-campus billing

Supplemental coverage

Students with private health insurance can enroll in our BuffCare supplemental coverage program.Ìý

This program helps provide peace of mind by reducing out-of-pocket costs for medical services provided on campus after your primary insurance has been billed.Ìý

BuffCare covers expenses like:Ìý

  • Co-paysÌý
  • CoinsuranceÌý
  • DeductiblesÌý
  • Out-of-network costsÌý

Learn more about BuffCare

Coverage requirements

It is recommended that all private health insurance plans:Ìý

  • Provide Ìý
  • Provide coverage in ColoradoÌý
  • Be active the first day of classes and remain active throughout the academic yearÌý
  • Be issued by an insurance company that is owned and operated within the United StatesÌý
  • Have no limits or caps on the amount of money paid in total benefits per yearÌý
  • Not have limitations for pre-existing conditionsÌý

Ìý ÌýPlease note: If your insurance plan does not meet these minimum standards, your waiver application may be denied, and you will be required to enroll in the CU Anthem Gold Student Health Insurance Plan (SHIP).Ìý

Contact us

If you have questions, please contact the Student Health Insurance office.Ìý

Office hoursÌý

SummerÌý
Monday–FridayÌý
8 a.m. to 4 p.m.

Fall and springÌý
Monday–FridayÌý
8:30 a.m. to 4:30 p.m. Ìý

ContactÌý

Ìý Ìý303-492-5107Ìý
Ìý ÌýÌý
Ìý Ìýstudentinsurance@colorado.edu

Campus locationÌý

Ìý ÌýWardenburg Health Center, 2nd floorÌý