Calvin University is vitally concerned with the health and well-being of its students. We know insurance can be confusing, so this site provides valuable information and tools for students, parents, and medical providers.

Insurance requirements

The Department of Health and Human Services requires each person to have adequate health insurance. Calvin University requires proof of insurance by all students who are enrolled in 6 or more credits. If a student has valid health insurance that provides (major medical) coverage while studying at Calvin University, a waiver form demonstrating adequate coverage must be completed on an annual basis. However, please do not assume that a plan provides coverage: it is strongly recommended that students investigate carefully with their insurance company prior to completing the waiver.

Major medical health insurance plans from outside the West Michigan region (but within the United States) can be accepted with the understanding that coverage is not guaranteed. Major medical plans from outside the United States are not accepted.  All plans must meet ACA requirements.

United HealthCare Student Plan: Calvin’s health insurance for students

The student health insurance plan (United HealthCare Student Plan) offered through Calvin University is a plan designed with a student’s needs and budget in mind. Most importantly, the United HealthCare Student Plan covers 100% of the medical and mental health care rendered at Calvin Health Services (including labs and prescription medication dispensed at Health Services’ clinic). When referred from a provider at Health Services, the Student Plan also gives students access to an extensive network of health care specialists practicing in the Grand Rapids area.

Since insurance is required to attend Calvin, international students and domestic students without an ACA approved family insurance plan are signed up for this plan.  

Students with private insurance

On-campus health care at Health Services is available to all Calvin students, regardless of what insurance you carry--our providers want to care for you!  Most local insurance carriers recognize Calvin Health Services as a comprehensive primary care office—the first university in the region to attain this recognition! Some insurances recognize our office as a multi-specialty office and they also cover the specialist care offered in this clinic. Check with your carrier to verify coverage specific to the provider’s name prior to your appointment. They may ask for our medical director’s NPI. Here is Dr. Laura Champion’s NPI: 1558314765.

Medicare is not accepted at our office, but as part of our investment in your health care, we accept most other types of insurance and bill them directly. For a list of insurance companies we participate with, click here.

Fees at Health Services

Calvin University maintains a fully staffed comprehensive primary care office on campus for all students. The cost of care is similar to the cost of care in the local community. Any fees not covered by the insurance plan are paid in full by the student at the time of service or after insurance has paid its portion. Cash, checks and credit cards are accepted, or the student’s university Workday account will be billed for the cost of care. Students can request a detailed claims receipt with an explanation of charges sent to their insurance company. Deductibles and co-payments apply.

Calvin Health Services bills insurance directly. Claims are submitted to all insurance carriers (except for Medicaid, Medicare, TriCare and Marketplace Coverage), but payment is not guaranteed. It is the student’s responsibility to confirm coverage with his or her insurance plan prior to their appointment.