Health Insurance Requirements and Resources

Updated July 2022

Elon requires students to be in compliance with university insurance requirements. Elon students are required to update their student health information each year, or immediately at any time there is a change in their insurance status via their Phoenix Health Portal.

Insurance Requirements

  • Students Eligible for US Based Health Insurance: Elon University requires all students to have health insurance if they are eligible. Essential benefits that most plans cover may be found here.  Students who are eligible for insurance in the US should provide proof of compliance prior to initial matriculation by providing documentation of current insurance through the Phoenix Health Portal. This includes:
    • Acceptable insurance plans may include coverage in an employer-sponsored plan, state marketplace plan or other insurance plan.
    • Students may also have coverage as a dependent on a spouse, partner, or parent’s insurance plan.
    • Elon University does not currently offer a student insurance policy and students who are not covered under a partner/spouse/parent employer-sponsored policy (or other plan) are directed to the Health Insurance Marketplace to inquire about purchasing insurance coverage. If you are a student living on or near campus you should use the Elon zip code (27244) to inquire about coverage.
    • Information about eligibility for insurance in the Health Insurance Marketplace may be found here.
    • Students who may be “aging out” of a spouse/partner/ parent’s plan may be eligible for continuation of that coverage under COBRA. Students should consult with their current insurer for more information about costs and eligibility.
    • Students who may need assistance with a short-term health insurance plan (up to one year) or until the next Health Insurance Marketplace open enrollment period, may also consult independent insurers.  Additional information about a short-term plan may be found at . If you are a student living on or near campus you should use the Elon zip code (27244) to inquire about coverage. This is not a university endorsed plan but does provide options for students to consider. Short term plans are not required to provide coverage for pre-existing conditions nor meet essential health benefits mandated by policies included in the Health Insurance Marketplace. Short term health insurance policies may cover a variety of medical services (including emergency services and outpatient services) important to students.
  • International Students: International students (those with F or J visas) must either provide proof of acceptable insurance in their home country or enroll in the student insurance policy arranged by the Isabella Cannon Center for Global Engagement. The premium will be billed to your student account; you must provide proof of insurance to have it removed from your account. If you are an international student and have questions about your eligibility for international insurance or requirements, please contact Mr. Kevin Winpisinger International students must provide proof of compliance with the university’s insurance requirement by going to the Phoenix Health Portal. This includes providing documentation of current insurance that meets university requirements.
  • Other-Student Status: Students who are not eligible for a US based insurance plan to cover them while a student at Elon are exempted from compliance upon application for a waiver from the Office of the Dean of Students. This may include:
    • Students not enrolled in an employer/spouse/partner/parent plan
    • Students who are  not eligible for coverage under through the Health Insurance Marketplace
    • Students who are not eligible for international student insurance (those with F or J visas). Students who are not eligible for health insurance through a US based insurance plan or are not eligible for international student insurance may request a waiver of the insurance requirement for the 2022-2023 academic year here.  The student must use their Elon user name and password to access the waiver application.
    • Once the waiver has been approved, students should upload a copy of their approved waiver to their Phoenix Health Portal.
  • Regardless of insurance status, Elon University will not be responsible for any medical care or costs associated with the provision of medical care on or off-campus.  Students who matriculate at Elon assume responsibility for all costs associated with health care not provided by Health Services or off-campus, regardless of insurance status.

Questions about insurance compliance may be directed to The Office of the Dean of Students at or (336) 278-7200.

On-campus and virtual access medical care (at little or no cost to students):

Students are reminded that they have access to on campus and virtual medical care 24/7 from anywhere in the United States.

  • Elon University Student Health Services provides evaluation and treatment of acute illness and injury to currently enrolled Elon University students (graduate, law, undergraduate). Student office visits are free of charge except for physicals and exams, and allergy shots. There are charges for medications, supplies, lab tests, injections, and procedures, due at time of visit.  All payments to Student Health Services are out-of-pocket.  More information may be found here.
  • Any charges incurred from referrals or visits to an outside medical provider are the responsibility of the student.  Most outside practices require students to provide verification of insurance prior to scheduling an appointment.  Students who matriculate assume responsibility for all costs associated with health care not provided by Health Services.
  • Elon has partnered with TimelyCare to offer a comprehensive telehealth program for students that provides access to free, 24/7/365 medical and mental virtual health care from anywhere in the United States. TimelyCare gives all enrolled students (undergraduate, graduate and law) increased access to a provider for their medical and mental health needs, including those more acute needs. Visits can be scheduled or “on demand” (with just a few minutes wait time). Students will also have access to these services when they are away from campus for summer or breaks (anywhere in the United States).
  • Instructions for accessing TimelyCare may be found here.