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Graduate School
The University of Mississippi

Student Health Insurance

COVID-19 Coverage

Antigen, PCR and Antibody tests are covered with no co-pay or deductible, provided the test is medically necessary, meets CDC/state requirements for testing, and an FDA approved test is utilized as ordered by a qualified provider OR State regulations mandate coverage of testing without the above requirements being met.

Wellfleet is waiving all co-pays, deductibles and co-insurance costs for all COVID-19 treatment until further notice.

Additional information on Covid-19 related benefits are available here:

Graduate Student Health Insurance

The Graduate School is pleased to offer subsidized health insurance to all graduate students holding an assistantship with appointments of 1/4 time or higher.

Graduate students not on assistantships, Law and PharmD students are not eligible for the subsidized plan, however those students are eligible to enroll on a voluntary basis.  Voluntarily enrolled students must pay the full premiums directly to Wellfleet Student.  Additional information on voluntary enrollment is available here:

Graduate assistants with appointments of 1/4 time or higher are required to participate in a health insurance program.*  Enrollment and payroll deduction of premiums will be automatic upon appointment for each fall and spring term. Premiums will be subsidized by the university.

Program Highlights:

  • 80% of negotiated charges for hospital visit, physician office visit (after $20 copay) or emergency room visit (after $150 copay) for preferred Wellfleet/Cigna providers
  • 100% of prescription drug coverage after Tier 1 $20 copay, Tier 2: $50 copay, Tier 3: $75 copay, and specialty drug $75 copay.  Some preferred generics have a $0 copay.  A formulary of prescription tiers is available here:
  • 80% of inpatient mental health expenses and outpatient mental health and substance abuse expenses for preferred care providers.

*Graduate assistants may request a waiver from participation in the above sponsored group plan if they already have comparable health insurance.


For a listing of Frequently Asked Questions (FAQs) regarding student health insurance, please visit:

Spouse and child/dependent policies are available; for information, click the link below.

For more information about coverage, exclusions, network providers, waivers and voluntary participation forms, visit

To view the Insurance Plan document, please visit:

* Note: Deductibles and co-pays are waived for covered services provided at the VB Harrison Student Health Center.  Wellfleet Student uses the Cigna PPO network. To find a Local Provider, please visit


Insurance Premiums for Graduate Assistants

Annual Premium Fall Semester
8/15/2020 -1/14/2021
Spring Semester
1/15/2021- 8/14/2021
Graduate Assistant
1/2 time $601.20 $252.30* $348.90
1/4 time $1302.60 $546.65* $755.95
Unsubsidized Participant $2004 $841 $1163
Spouse Only $2004 $841 $1163
Child/Dependent $2004 $841 $1163
More than one Child $4008 $1682 $2326

* Current premiums, subject to change.

For a definition of 1/2 time and 1/4 assistantships, please see our financial aid information page here.

International students and students who WILL be on a graduate assistantship SHOULD NOT enroll themselves. They will be automatically enrolled by the Graduate School.

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