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Student Medical Insurance Information

2018-2019 Mandatory Health Insurance Requirements for All Full-time Students Enrolled in Waldorf University’s Residential Program

Click here to see an Insurance Presentation

Waldorf University is extremely interested in making your academic and personal experience meaningful and successful during your time here. Your health and wellness are key components of that experience.

Students these requirements apply to are:

  • All students enrolled with 12 or more credit hours in the residential program
  • All full-time students living on or off campus
  • All international students
  • All full-time Athletes – intercollegiate or club teams
  • All full-time Non-Athletes

All full-time residential registered students will be enrolled and billed the annual premium of $2,596 for the Consolidated Health Plans, Inc. (CHP) offered by Waldorf University for the 2018-2019 school year. A Hard Waiver will be required by each student who does not need this coverage, even students who waived last year, by September 11, 2018. Hard Waivers are ONLY accepted by the Student Insurance Coordinator with proof of ADEQUATE health insurance. Please see Waldorf’s definition of hard waiver and adequate below when deciding to waive. If a student only needs/wants to purchance the CHP plan for the fall semester, they need to visit with the Student Insurance Coordinator before September 11, 2018.

To complete a Hard Waiver:
  • A copy of both the front and back of the student’s health insurance card must be sent to the Student Insurance Coordinator (sending to anyone else on campus will not waive the CHP plan!):
    • Email address:
    • Fax number: 641.585.8194
    • Mailing address: Student Insurance, 106 South 6th Street, Forest City, IA 50436
  • The Student Insurance Coordinator will then determine if the insurance is adequate.
    • For a student’s health insurance to be considered adequate it must be accepted by providers in the Forest City, Iowa area – that includes Mercy Systems and/or Mayo Systems. ER and/or Urgent Care only are NOT adequate to waive off the plan offered by Waldorf.
    • If you belong to an HMO, be aware of restrictions and limitations for medical or pharmaceutical services provided outside your HMO territory.  Most HMOs are not adequate to waive off the plan offered by Waldorf University, this includes the Kaiser plan.
    • State Aid Health Insurance other than Iowa’s Medicaid is not adequate to waive off the plan offered by Waldorf University. Insurance coverage purchased through the Health Insurance Marketplace may not be adequate to waive off the CHP plan as they may be a HMO or State Aid plan with no coverage in Northern Iowa.
  • You will be notified if your coverage is NOT adequate to waive off the CHP plan.

The Consolidated Health Plans, Inc. plan is for 12 months of benefits with the low annual price of only $2,593 ($216.34/mo.). We encourage you to compare Waldorf University’s CHP plan to your current plan or shop for other adequate coverage. CHP’s plan highlights are listed below.  

The Student Insurance Coordinator will gladly help you with your health insurance decisions by answering any question you have or helping you research your current plan. 

Please email any requests  or questions to
Waldorf’s Primary Insurance 2018-2019 Consolidated Health Plans, Inc.
  • Annual: 8/1/2018-7/31/2019-Premium $2,596
  • Fall Only: 8/1/2018-1/10/19-Premium $1,160
  • Spring Only: 1/11/19-7/31/19-Premium $1,436
  • Medical Preventative & Wellness Services: 100% covered In Network with no Deductible; No coverage Out-of-Network (Immunizations recommended by Centers for Disease Control covered at 100% In Network)
  • First Health Network for Medical (same as last year)
  • BeRx Pharmacy Network for Prescription - Co-payments $15/35/50 with no Deductible; No coverage Out-of Network. ($0 co-pay for generic contraceptives or other preventative service drugs) One Co-Pay per 30 day supply.
  • Unlimited Aggregate Maximum
  • $500 Deductible In Network; $1000 Deductible Out-of-Network (same as last year)
  • Out of Pocket Maximum $7,150; includes Deductibles, Co-payments (including Rx), and Co-insurance (In Network Only)
  • Office Visits- In Network $15 Co-payment, then 70% after Deductible is met (1 visit per day)(In Network)
  • ER Visits – In Network $250 Co-payment (waived if admitted) then 70% after Deductible is met
  • Physical, Occupational & Speech Therapy – In Network 70% after Deductible is met (1 visit per day limit)(In Network)
  • Chiropractic Care – In Network 70% after Deductible is met (1 vist per day, 30 visits per year)(In Network)
  • X-rays, Labs, PET, CAT, & MRI – In Network 70% after Deductible is met (In Network)
  • Dental covered in the event of an injury at 70% after Deductible is met (In Network)
  • Eye covered in the event of an injury at 70% after Deductible is met (In Network)
When plan is purchased it cannot be canceled after the deadline to waived date, September 11, 2018 (annual and fall plans) or January 20, 2019 (spring plan). The above points are highlights from the plan document. We encourage you to read the CHP website for the complete benefits ( In the event there are differences between this information and the official plan document, the plan document controls.
Insurance Information
Prepared By: Brokered By: Underwritten By:
Consolidated Health Plans, Inc.
2077 Roosevelt Ave.
Springfield, MA 01104
Ryan Desch
College Division
PO Box 196
Stillwater, MN 55082-0196


Questions to Ask Your Current Health Insurance Carrier:
  • Is my student’s health insurance adequate while attending Waldorf University in Forest City, Iowa?
  • Does my student’s health insurance work at Mercy Clinic and/or Mayo Clinics in North Iowa?
  • Will my student’s health insurance cover more than a medical emergency or Urgent Care?
  • If my student’s health insurance is a HMO, does it have a “Guest Membership” option that would allow my student to see providers besides ER/Urgent Care in the Forest City area?
  • Does my student need to get a referral from a Primary Care Provider before visiting any other provider in order for the insurance to cover the visit?
2018-2019 Supplemental Secondary Excess Accident Insurance Plan
Waldorf University’s full-time residential program students are automatically enrolled in a supplemental secondary excess accident insurance plan from August 1 through July 31 each year with no additional cost to the student. Please note that this plan is for accidents and injuries only. It is also an excess plan and NEVER pays as primary; it does not cover illnesses, and only pays after the student’s private health insurance has been processed.

For a variety of reasons, not the least of which is the further implementation of the Affordable Care Act, the health insurance landscape is changing. As a result, we find ourselves in a position where certain changes to our Supplemental Secondary Excess Accident Plan need to be made. Please make note of this year’s plan benefits.

It is always the student’s personal responsibility to pay their medical bills. All students need to rely on their own personal health insurance at all times. Waldorf University NEVER pays for any provider visits and all unpaid bills are always the student’s sole responsibility. Please note the following important considerations with respect to this insurance:
  • The accidental supplemental insurance is filed only after primary insurance has been processed and only under certain conditions.
  • The injured student MUST see a licensed provider within 30 days of the incident or this policy will reject the claim.
  • Claims arising from self-inflicted injuries and/or while the student is under the influence of drugs or alcohol will not be covered.
  • The plan benefit period is for 52 weeks from the date of injury. Any treatments extending past the 52 week period will be the student’s sole responsibility. All arrangements for treatment are to be made before the student graduates or withdraws from Waldorf University.
  • There is a $750 reducing deductible per injury on Waldorf’s secondary excess accident plan requiring the student to pay out of their pocket before the plan starts to pay towards a claim. This can also be met with a student’s primary health insurance plan.
  • All injuries must be reported during the contest/practice or immediately thereafter to the supervising Athletic Trainer, Student Health Services, or the Head Coach. If the situation is an emergency, the student must notify the Athletic Trainer or Student Health Services within 48 hours of the emergency room visit. Otherwise, expenses incurred will be the sole responsibility of the student.
  • All appointments with physicians, specialists, physical therapies, etc. must be made through Waldorf’s athletic trainers or Waldorf’s Student Health Services (this includes second opinions). Except for emergency cases, authorization for these appointments must be obtained prior to seeing a doctor or hospital. A student is at liberty to depart from this policy and seek unauthorized treatment, but in doing so he/she assumes all incidental risks and all expenses of the medical services.
  • Non-athletic conditions such as asthma, cardiac, etc. are not covered under this plan.
  • Previous Injuries are NOT covered under this plan. Waldorf University is not responsible for any pre-existing injury, condition or operations nor is our secondary excess accident plan. All costs related to the evaluation, care and treatment of pre-existing conditions is the sole responsibility of the student.
  • Dental Care and Vision Care is limited to injury to sound natural teeth and/or to student’s eye(s) caused during an authorized practice or intercollegiate contest. Damage or breakages of glasses/contacts are NOT covered under this plan.

Waldorf never pays for any medical provider visits. Bills are always the student’s responsibility.

Any medical bills not covered by the student’s personal health insurance or the supplemental plan are the responsibility of the student and not the responsibility of Waldorf University.  

When a provider visit has been set up, the student must present their personal health insurance card and Waldorf’s secondary insurance card at each check in. The trainers or school nurse will give the student a secondary card to carry with them to ALL appointments. Failure to present both cards at every medical visit may result in a claim being denied.

If the student’s primary health insurance coverage changes or is dropped during the school year, it will be the student’s responsibility to notify Waldorf’s Student Insurance Coordinator and the Athletic Trainer immediately. Information on the student’s new coverage must be made immediately and copy of the new insurance card needs to be provided to the Student Insurance Coordinator when available. If the student needs primary insurance coverage, they can be enrolled in the plan offered by Waldorf University with proof of cancelation within 30 days of the prior insurance plan’s cancelation.

All practices, conditioning, and work out must stop while the student in uninsured.  

If you have any questions, please contact Student Insurance Coordinator Bev Retland in the Business Office at or 641.585.8144.
Also view Medical Insurance Information for International Students or Affordable Care Act General Information for College Students.