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Student Medical Insurance Information

2019-2020 Mandatory Health Insurance Requirements for All Full-time Students Enrolled in Waldorf University’s Residential Program

Waldorf University requires all full-time residential student (12 or more credit hours) to be enrolled in and maintain ADEQUATE health insurance. ADEQUATE means health insurance that is accepted by providers in the Forest City area (i.e. Mercy or Mayo systems). HMOs (including Kaiser), some state exchange plans, out-of-state Medicaid and most international and/or travel plans are NOT adequate coverage. Adequate coverage can be obtained through enrollment in a family member’s employee health plan, purchase of a private health plan or the health plan offered through Waldorf University by Wellfleet, Inc. (formerly CHP–Consolidated Health Plans, Inc.). Detailed information about the Wellfleet plan is located at

Highlights of the CHP 2019-2020 plan:

  • Annual premium: $2,776 – Coverage 8/1/19-7/31/20
  • Fall only premium: $1,236 – Coverage: 8/1/19-1/10/20
  • $500 annual deductible for In-Network providers
  • Copay for In-Network office visits ($15), ER ($250), Hospital Room ($150)
  • Copay for In-Network prescriptions ($15/$35/$50) 
  • 70% of expenses covered after deductible and copays
  • Medical Providers: First Health Network
  • Prescription Drugs: Wellfleet Network
  • Medical Travel Assistance: Assist America

To verify that your current health insurance is adequate all students (new and returning) will need to send a legible copy of the front and back of your health insurance card to Melissa Cook, 106 South 6th Street, Forest City, IA 50436 or email it to If your insurance coverage is not adequate you will be notified so that you can find adequate coverage or purchase theWellfleet plan offered by Waldorf. All students who have not completed this verification by September 11, 2019 will be enrolled in Wellfleet and will NOT be allowed to waive premium payment, even with proof of other adequate coverage.

Athletes will not be able to participate in any practices, conditioning, weight-training or games/events until proof of adequate health insurance or enrollment in Wellfleet has been verified by the Student Insurance Coordinator. Failure to maintain continuous coverage throughout the academic year will result in the student being deemed athletically ineligible and may result in the student being enrolled in and billed for the Wellfleet plan for the following semester.

Waldorf’s Student Insurance Coordinator will gladly help you with your health insurance decisions by answering any question you have or helping research alternative plans. Please email any requests to

The Wellfleet’s plan highlights are listed below.

When plan is purchased it cannot be canceled after the deadline to waived date, September 11, 2019 (annual and fall plans) or January 20, 2020 (spring plan). The above points are highlights from the plan document. We encourage you to read the Wellfleet 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:
Wellfleet Group, LLC
2077 Roosevelt Ave.
Springfield, MA 01104
Ryan Desch
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?

2019-2020 Supplemental Secondary Excess Accident Insurance Plan

It is always the student’s personal responsibility to make sure that payment is made for medical services provided to them during their enrollment at Waldorf. All students need to carry their primary insurance card in their wallet/purse, and each student should be aware of the status of their primary insurance so they are never without primary insurance coverage. Waldorf University NEVER pays medical expenses when a student is without primary insurance coverage; all unpaid bills are always the student’s sole responsibility. 

However, for no additional cost to the student, Waldorf University’s full-time residential students are automatically enrolled in a supplemental secondary excess accident/injury insurance plan from August 1 through July 31 each year. Please note that this plan is for accidents and injuries only. It is an excess plan and NEVER pays as primary. Further, it does not cover illnesses, and it only pays after the student’s primary health insurance has been processed. 

Students will be provided with a card for this excess supplemental plan, which they should place in their wallet/purse along with their primary insurance card. Please note the following important considerations with respect to this excess supplemental insurance:

  1. All accidental supplemental insurance claims will be filed only after primary insurance has been processed and only if the conditions stated below have been satisfied. 
  2. ​The injured student MUST see a licensed provider within 30 days of the incident. If the student fails to comply with this deadline, the supplemental insurance company will deny the claim. 
  3. Claims arising from self-inflicted injuries and/or while the student is under the influence of drugs or alcohol will not be covered. 
  4.  The plan benefit period is for 52 weeks from the date of injury. Any treatments extending beyond 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. 
  5. There is a $750 reducing deductible per injury/accident on Waldorf’s secondary excess accident plan requiring the student might need to pay out-of-pocket before the plan starts to pay towards a claim. Payments made by a student’s primary health insurance plan may help to satisfy this deductible. 
  6. All injuries must be reported to the supervising Athletic Trainer, Student Health Services representative or the Head Coach during the event/ practice/training or workout session, or immediately thereafter. 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. 
  7. All appointments (including second opinions) with physicians, specialists, physical therapists, etc. must be made through Waldorf’s Athletic Trainers or Waldorf’s Student Health Services. 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 opinions/treatment, but in doing so he/she assumes all incidental risks and all expenses for the medical services. 
  8. Medical needs/conditions not resulting from an accident or injury (e.g., asthma, cardiac conditions, skin rashes, strep throat, sinusitis, appendicitis, etc.) are NOT covered under this plan. 
  9. Previous injuries are NOT covered under this plan. Waldorf University is not responsible for any pre-existing injury, condition or surgeries and neither is our supplemental excess accident plan. All costs related to the evaluation, care and treatment of pre-existing conditions are the sole responsibility of the student. 
  10. Dental Care is limited to injury to sound natural teeth and Vision Care is limited to injury to eye(s) resulting from an accident or from an injury that occurred during an authorized intercollegiate athletic event, practice, work-out or training session. Damage to or breakage of glasses/contacts is NOT covered under this plan. 

Any medical bills not covered by the student’s primary 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 his/her personal health insurance card and Waldorf’s supplemental insurance card at each check in. Failure to present both cards at every medical visit may result in a claim being denied. 

IMPORTANT: If the student’s primary health insurance coverage changes, expires or is dropped during the school year, it is the student’s responsibility to notify Waldorf’s Student Insurance Coordinator and the Athletic Trainer immediately. The student must secure new/renewed primary coverage as soon as possible and a copy of the new insurance card must be promptly provided to the Student Insurance Coordinator 

At any time, when a student is without primary health insurance, he/she will be prohibited from participation in all athletic events/contests, all practices, conditioning, and work out until such time as he/she has provided proof of new or reinstated primary insurance coverage. The student might also be required to enroll in and be billed for primary coverage (Wellfleet) offered through Waldorf in the next semester.

Questions should be directed to Student Insurance Coordinator Melissa Cook at
Also view Medical Insurance Information for International Students or Affordable Care Act General Information for College Students.