Why Student Health Insurance Is Required
Students' wellbeing is a top priority at Belmont. In alignment with this commitment, Belmont requires all full-time, degree-seeking undergraduate and graduate students to have health care coverage while enrolled at the University.
This policy is rooted in our dedication to students’ health and safety. Adequate health insurance safeguards against unexpected medical costs and ensures access to essential health care resources when needed, promoting uninterrupted focus on your academic journey.
Fall 2025 Insurance Enrollment Information
For those who are uninsured or seek coverage for areas near campus or wherever residing while attending Belmont, Belmont now offers a comprehensive and affordable health insurance plan. Additional details on the plan can be found below. The deadline to confirm your enrollment in the Belmont SHIP or to waive the plan with proof of other health insurance coverage will correspond to the semester’s tuition payment deadline, and the portal will open in May for Fall 2025 plan enrollment and waivers.
Note: There is no enrollment or waiver process for current students attending summer classes who were enrolled in the Fall 2024 and Spring 2025 terms. However, new students starting courses in the summer, including some graduate programs and Bell Tower students, will need to complete the enrollment or waiver process starting June 1.
Students with Insurance
If you already have health insurance coverage through an employer, family member or through the U.S. health insurance marketplace, you will simply need to upload proof of insurance to the Belmont SHIP portal when it opens in May. Uploading proof of insurance by the deadline of July 7 will ensure that the insurance premium charge is not included on your bill.
After this deadline, the charge for insurance will appear on your bill. Once you provide proof of insurance, the insurance premium charge will be removed from your account within 7-10 days (Dates may vary slightly for some graduate programs including medicine and law).
Students without Insurance or without Insurance in TN
Students without adequate health coverage in Tennessee (or wherever residing while enrolled at Belmont, such as Belmont East/West) may choose to enroll in the Belmont SHIP through United Healthcare. The Belmont SHIP provides comprehensive coverage, including emergency, non-emergency, preventive care, mental health and prescription drug services.
Students who do not provide proof of insurance by the July 7 deadline will be automatically opted in to the Belmont SHIP, and the charge will be included in the student bill.
Important SHIP Information
2025-26 Coverage Periods
| Student Description | Coverage Period | Waiver Deadline |
|---|---|---|
| Newly enrolled & returning students for Fall 2025 | August 21, 2025 – August 20, 2026 | July 7, 2025 |
| Newly enrolled Frist College of Medicine students | August 1, 2025 – July 31, 2026 | July 18, 2025 |
| Newly enrolled students for Spring 2025 | January 7, 2026 – August 20, 2026 | January 2, 2026 |
Details for the 2025-26 plan with coverage provided by United Healthcare will be finalized in May. Cost is anticipated to be $3,275 annually ($1,637.50 per semester). Coverage Benefits and Health Insurance Brochure for the 2024-25 academic year will provide an overview of the type of coverage to be expected in the Belmont SHIP. All services in the Belmont Health Services Clinic are covered at 100% with no deductible or copay for students on the Belmont SHIP.
You will have the opportunity to waive the student insurance plan starting in May. You will be required to upload your insurance ID card.
Enrollment for the Belmont SHIP through the online portal will open in May and be available until August 1 for the 2025-26 annual plan. Students who wish to enroll after August 1 will be able to do so through a manual process up until the first day of classes.
Frequently Asked Questions About SHIP
Questions About Deadlines & Premiums
The priority deadline to opt in or waive coverage for Fall 2025 is July 7. This ensures that students who plan to opt-in for coverage are able to have their insurance premium charge added to their student account in time for billing. Students who complete the waiver after this date will have to go to their student account to see the updated charge.
| Student Description | Waiver Deadline |
|---|---|
| Newly enrolled & returning students for Fall 2025 | July 7, 2025 |
| Newly enrolled Frist College of Medicine students | July 18, 2025 |
| Newly enrolled students for Spring 2025 | January 2, 2026 |
Students that do not take action will be automatically enrolled into Belmont SHIP and will be responsible for the insurance premium charge.
You will have the opportunity to waive the student insurance plan through the Belmont SHIP portal when it goes live in May 2025. The portal will remain active through mid-August, and you will simply need to upload your insurance ID card.
The current premium is $3,275 for the year and will be divided into two equal charges of $1,637.50 for the Fall and Spring Semester.
Questions About Eligibility and Coverage
All full-time, degree-seeking undergraduate students enrolled in 12 or more credit hours, and full-time, degree seeking graduate students enrolled in six or more credit hours are eligible for the Belmont SHIP.
All new and current undergraduate and graduate students (excluding medical school students): August 21, 2025 – August 20, 2026
All new and current medical school students: August 1, 2025 – July 31, 2026
All new Spring 2026 enrolled undergraduate and graduate students: January 7, 2026 – August 20, 2026
Details for the 2025-26 plan will be finalized in May with coverage provided by United Healthcare. The Coverage Benefits and Health Insurance Brochure for the 2024-25 academic year will provide an overview of the type of coverage to be expected in the Belmont SHIP.
All services in the Belmont Health Services Clinic are covered at 100% with no deductible or copay for students on the Belmont SHIP.
The Enrollment Period is expected to begin in May and last until August 1 through the online portal. Students who wish to enroll in the Belmont SHIP after August 1 will be able to do so through a manual process with details announced this summer.
YES, coverage goes until the day before the first day of the next school year.
YES. This has coverage internationally, BUT internationally it will only cover urgent/acute situations. The insurance will not cover preventive care, but if you get the flu, break a bone, have an accident, etc. everything is covered at the in-network levels.
Questions About Payment Options
The Belmont Student Health Insurance premium will be charged to your student account. We offer multiple payment options such as personal check, online ACH payment, credit card or utilizing financial aid.
Yes. Since the insurance premium will be charged to your student account, you can utilize our payment plan options each semester.
Federal, state, institutional and outside financial aid is applied to all direct university charges first (tuition, fees, housing and meals). Additional aid (loans) can be borrowed to cover the health insurance premium. However, we are required to obtain written Title IV authorization to use those loan disbursements to pay for the premium. The Office of Student Financial Services would need to confirm loan eligibility before the student can apply for loans.
Additional aid can be borrowed to cover the Health Insurance Premium. However, we are required to obtain written Title IV authorization to use those loan disbursements to pay for the premium. The Office of Student Financial Services would need to confirm loan eligibility before the student can apply for additional loan funds.
Federal, state, outside and institutional financial aid is applied to all applicable university charges first (tuition, fees, housing and meals) and indirect charges such as books/supplies. Institutional aid from Belmont cannot be used to cover the health insurance premium. Additional aid needed to cover the insurance premium would require a Title IV authorization to be completed for federal funds to cover the charge.
Contact Us
For General Belmont Student Health Insurance Support:
studentinsurance@belmont.edu
Call 866.233.4512
For Medical Students, contact the Thomas F. Frist, Jr. College of Medicine:
Call 615.460.5905
For International Students, contact Shauna Walsh:
Email Shauna
For Belmont Athletics Insurance Requirements:
sportsmedicine@belmont.edu
Additional Questions
For additional enrollment and financial services related questions, contact Belmont Central:
Call 615.460.5402
For questions about using Belmont Student Health Insurance at Belmont's Health Services Clinic:Call 615.460.6194