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Home Health & Wellness Requirements Insurance Health Insurance Options Private or Personal Insurance

Private or Personal Insurance

Students who already have insurance coverage through an individual, family or employer plan can use their own insurance while attending CU Boulder. In order to use a private or personal insurance plan, you must submit proof of insurance through an online waiver application and be approved. 

 Please note: If you do not take action or if your waiver application is denied, the insurance charge will be placed on your account starting Aug. 1. To remove this insurance charge, you will need to submit an approved waiver showing valid insurance information, before Sept. 15. Refunds will not be given after the Sept. 15 deadline.

Submitting an insurance waiver

In order to submit an insurance waiver, you will need to use the information located on your insurance ID card.

After you submit an insurance waiver, your insurance coverage will be reviewed by Academic HealthPlans. If your waiver is approved, you will receive a confirmation email. You may also be contacted if additional information is needed to complete your insurance verification. Please monitor your colorado.edu email account for confirmation that your waiver has been approved.

Submit an insurance waiver 

Dates and deadlines

Students who choose to use their own insurance must submit a waiver their first semester at CU Boulder and update this information once a year for the fall semester.
 

Fall 2023

Open enrollment period:
June 13 - Sept. 15, 2023

Enrollment deadline:
Sept. 15, 2023

Spring 2024

Open enrollment period:
Dec. 12, 2023 - Feb. 13, 2024

Enrollment deadline:
Feb. 13, 2024

Summer 2024

Open enrollment period:
April 13 - May 31, 2024

Enrollment deadline:
May 31, 2024

*Please note: The insurance portal is not available over the summer. Students wanting to waive summer insurance coverage will need to call 303-492-5107 or email studentinsurance@colorado.edu. 

Please note: Students must submit an insurance waiver and be approved in order to opt out of Anthem Gold Student Health Insurance Plan (SHIP). If you do not complete this process by the enrollment deadline, you will be automatically enrolled in Anthem Gold SHIP and billed through your student tuition account. After the enrollment deadline you cannot make changes to your health insurance selection until the next open enrollment period. In addition, no refunds will be granted following the waiver deadline.

In-network plans

CU Boulder Health and Wellness Services accepts most major insurance plans for care provided on campus and through telehealth services, including:

  • Anthem
  • Cigna

  • United Healthcare
  • TriCare

You can also check in-network benefits by contacting the member services phone number located on the back of your insurance card or by searching your insurance company’s website. All CU Boulder providers have National Provider Identifier (NPI) numbers that can help you determine in-network eligibility.

Please note: If Medical Service is out-of-network, the BuffCare Program can help cover out-of-pocket costs for services received from Medical Services. BuffCare covers most medical services, including illness prevention and treatment, injury care and more. It does not cover Counseling and Psychiatric Services.

Medical providers

Counseling providers

Using private or personal insurance at CU Boulder

Private or personal insurance can be used to cover a variety of health care services provided at CU Boulder, including:

  • Medical Services
  • Physical Therapy and Integrative Care
  • Counseling and Psychiatric Services

For a full list of eligible services or to learn more about the billing process, please visit the Private Insurance Billing webpage.

Please note: Out-of-pocket costs are dependent on individual health insurance plan benefits. If you are concerned about out-of-pocket costs, we recommend purchasing BuffCare for supplemental coverage.

buffcare supplemental coverage program

Supplemental Coverage: BuffCare Program

The BuffCare Program provides peace of mind by reducing out-of-pocket costs for medical services provided on campus after your primary insurance has been billed.

This includes illness prevention and treatment, injury care and other services provided at Wardenburg Health Center.

Learn more about BuffCare

Schedule an Appointment
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CU Boulder acknowledges that it is located on the traditional territories and ancestral homelands of the Cheyenne, Arapaho, Ute and many other Native American nations. Their forced removal from these territories has caused devastating and lasting impacts. Full CU Boulder land acknowledgment

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