Health Insurance Requirements

Insurance Requirements for a Healthy Campus.

University-Sponsored Health Insurance Waiver Process

The deadline to waive the student health insurance plan is Wednesday July 15, 2020.  We are experiencing a very high volume of inquiries as the deadline approaches.  Your request for waiver can be considered after the July 15 deadline if you have contacted studentinsurance [at] creighton [dot] edu by July 15, 2020 at 11:59 p.m.​

Why can’t I access the waiver site?
The waiver site is accessed by entering your Net ID and date of birth.  If you are a full-time student and are unable to access the waiver site, please go to the NEST and make sure that your demographic information is correct and up to date.

How do I find out the status of my waiver?
Students will receive a message from UHCSR at their Creighton email address.

Why was my waiver declined?

  • Your existing plan may not provide comprehensive coverage (see requirements for comprehensive coverage further down on this page).
  • Your existing plan may not provide national coverage.
    • State Medicaid plans and many Kaiser plans do not satisfy this requirement.
    • If Kaiser is your carrier, you are encouraged to inquire about national coverage for college students who are in an area where Kaiser facilities are accessible.
      • Emergency-only/Urgent Care coverage does not satisfy this requirement.
  • You may have answered Question #6 on the waiver incorrectly.
    • If you answered Yes, but your coverage is commercial (obtained through a place of employment NOT through state coverage for low income). You may submit a second waiver application.

Your emails and calls to Student Health Education and Compliance will be answered. Please do not reach out to other departments around campus for assistance in this matter, this only slows our ability to respond to the many inquiries while participating in the University response to COVID-19.

Thank you for your patience.

Creighton’s Health Insurance Requirement

To ensure students’ academic success, Creighton requires that all full-time students (Undergraduate = 12 credits/semester; Graduate = 8 credits/semester) be covered by a comprehensive health insurance plan for the entire academic year.

  • New and returning students are auto-enrolled in the PDF iconUniversity-sponsored Student Health Insurance Plan.
  • If a student already has a comprehensive insurance plan, he or she is eligible to waive the University-sponsored coverage. A comprehensive health insurance coverage plan MUST meet the following compliance requirements:
    • National coverage is included for inpatient and outpatient medical care. (Emergency-only coverage does not satisfy this requirement)
    • National coverage is included for inpatient and outpatient mental health care. (Emergency-only coverage does not satisfy this requirement)
    • Coverage is currently active and maintained for the entire academic year and summer.
    • Coverage offers an unlimited lifetime maximum.
  • International students (on an F-1 or J-1 visa) are not eligible to waive the health insurance coverage.
  • The annual online waiver process will close on July 15. This information is required on an annual basis.
  • The premium for the University-sponsored Student Health Insurance Plan will remain on the student’s account unless the waiver process is completed before the deadline.
  • When the Health Education and Compliance Office becomes aware of a lapse in the student’s insurance coverage, the student will be automatically enrolled in the University-Sponsored Student Health Insurance Plan and the tuition statement will reflect a charge for the entire premium.
  • PDF iconClick here to view plan pricing.

I’m covered by another insurance plan. Should I waive the University plan?

Yes, if the plan includes comprehensive coverage.

Contact the customer service line for your insurance carrier to determine the scope of your plan. If you have a comprehensive plan you may waive the University plan.

A comprehensive health insurance coverage plan must meet the following compliance requirements:

  • National coverage is included for inpatient and outpatient medical care. (Emergency only coverage does not satisfy this requirement)
  • National coverage is included for inpatient and outpatient mental health care. (Emergency only coverage does not satisfy this requirement)
  • Coverage is currently active and maintained for the entire academic year and summer.
  • Coverage offers an unlimited lifetime maximum.

How do I waive my coverage?

If your existing coverage satisfies the University requirement (see tab above), you may proceed with waiving the University-sponsored plan.

You will then be asked to upload an image of the front of your insurance card and an image of the back of your insurance card.

When the information is submitted, it will be verified and you will receive a message confirming the acceptance of your waiver within two weeks of submission

If your insurance is deemed non-compliant with University requirements you will receive notification that your waiver application was declined and you will be enrolled and charged for the coverage offered through the University.

Who is eligible to enroll in the Creighton Student Health Insurance Plan?

All registered on-campus undergraduate students enrolled in 12 or more credit hours and on-campus graduate/professional students taking 8 or more credit hours are automatically enrolled for this insurance plan.  

Eligible students who enroll may also insure their dependents. Eligible dependents are the student’s legal spouse and dependent children under 26 years of age.

Any student who is in need of health insurance coverage may submit a request for coverage to studentinsurance [at] creighton [dot] edu.

Does Creighton offer dental insurance?

Dental insurance is not a Creighton University requirement. UnitedHealthcare offers dental insurance that can be purchased by students. More information is available at or by calling 1-800-767-0700.

My parents lost their insurance coverage. Do I need to do anything?

Yes. Your family may be eligible for COBRA coverage. COBRA coverage is expensive and you must enroll within 31 days to avoid a lapse in coverage. Another option is to enroll in our University-sponsored Creighton Student Health Insurance plan.

How much does the student insurance plan cost?

PDF iconClick here for plan options and pricing.