Student Health Insurance

Rhodes College requires all students to have accident, sickness, and hospitalization insurance coverage.

Students must waive or opt in to the Rhodes health insurance plan annually.

Students may be covered under a family policy or a private carrier, and insurance coverage must remain in effect as long as the student is enrolled. The Proof of Health Insurance Form you completed before entering Rhodes must remain current. Students may be treated for most ordinary illnesses at the Student Health Center on campus. When specialists are needed or laboratory work is performed by AEL, your health insurance will be billed by them.

Student Insurance Plan

Rhodes College offers a student health insurance plan to ensure all students have access to comprehensive coverage in Memphis while attending the college.

Eligibility

All undergraduate students enrolled in 9 or more credits and graduate students enrolled in 6 or more credits must waive or enroll in the Rhodes Health Insurance Plan. 

Enrollment Deadlines

• Annual Enrollment Deadline – September 9, 2025
• Spring/Summer Enrollment Deadline – February 14, 2026

Rates

2026-2027 Rates will be posted in July 2026.

Students who opt in to the Student Health Insurance will have the fee amount placed on their September bill. For questions about the bill, please call Rhodes Express at 901-843-3278 or send a message to express@rhodes.edu.

To Waive or Opt-In

• Please visit studentcenter.uhcsr.com/rhodes.
• Click on "Waive Coverage" or “Opt-In.”
• Follow the directions to complete and submit your waiver request and print/save the confirmation page.
  • You will need your student ID number and date of birth to access the waiver form.
  • Your waiver must be completed in its entirety. You will be asked for detailed information about your current coverage, so have the following available:
    • A copy of your insurance ID card;
    • Insurance company name, policy holder's member ID, and group number; AND
    • The primary subscriber’s/policyholder’s name.
    • You will receive a waiver approval notice if this plan meets coverage criteria.
    • If you are a student-athlete, contact your primary insurance to confirm your coverage for orthopedic physician visits and MRIs in the Memphis area.

Benefit and enrollment information can be found online at UnitedHealthcare StudentResources.

You should keep a copy of your insurance card with you.
You should also be familiar with your plan—you may want to ask your parents to make a list of what it covers. Some coverage requires the insured to call to obtain pre-certification before seeing a nurse practitioner or physician. Check with your private insurance provider to ensure that any visits to our health center, Memphis-area physicians, minor medical centers, or emergency rooms will be covered under your plan.

Insurance Facts

• Most young adults can stay on their guardian′s insurance plan until the age of 26.
• If you have a pre-existing condition and are uninsured, there is a Pre-Existing Condition Insurance Plan. Please click the link in order to learn more about available plans in your state: https://www.cms.gov/CCIIO/Programs-and-Initiatives/Insurance-Programs/Pre-Existing-Condition-Insurance-Plan.html
• If you are on a new insurance plan, insurance companies cannot charge a deductible or copays for recommended preventive services (flu shots, immunizations, etc.).
• Most insurance companies cannot deny coverage to children under age 19 due to pre-existing conditions.

In order to learn more insurance facts, please click the link: www.healthcare.gov/news/factsheets/2011/03/betterbenefits-young-adults.html

Here's a list of Frequently Asked Questions for student health insurance.