FirstStudent and First Risk Advisors, Inc. are now UnitedHealthcare Companies

Gwynedd Mercy University

Our Partner in Good Health

Waive Your School's Insurance

Welcome to the Waive Your School’s Insurance Center!

This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.

The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.

2023-2024 Waiver Information

FirstStudent and First Risk Advisors, Inc are now UnitedHealthcare Companies. For the 23-24 School year, if you would like to Waive/Opt out of the Student Health Insurance offered through Gwynedd Mercy University, you will need to visit:

** For any questions or assistance, please reach out to or 1-800-505-4160.

2022-2023 Waiver Information

Hard Waiver Student Eligibility

  • Full-Time undergraduate student enrolled in 12 credit hours or more including students in the ABSN nursing programs
  • International Student s including students enrolled in a study abroad program
  • Full-Time domestic graduate students in an Occupational Therapy program (6 or more credits)

Are automatically enrolled in this insurance plan unless proof of comparable coverage is furnished.

Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the Eligibility requirements that the student actively attend classes.

Begin the enrollment process by following the instructions below.

Hard Waiver Student Waiver Instructions

Waiver Deadlines:

  • Annual Waiver Deadline: 9/11/22
  • Spring/Summer Waiver Deadline: 2/11/23 (for new incoming students only)
  • Summer Waiver Deadline: 6/11/23 (For Full-Time domestic graduate students in an Occupational Therapy program (6 credits or more) only and students in the ABSN Nursing Programs only)

Note: Students who do not provide proof of insurance before the deadline will be automatically enrolled in the student health insurance plan provided by First Risk Advisors, and the premium will be charged to their bursar account. Once enrolled there are no cancellations or refunds except for ineligibility or entry into the armed forces.

After you verify that you are a hard waiver student and have other insurance you will need:

  • Your current health insurance plan ID card,
  • Your health insurance brochure or plan description (or you might want mom & dad’s phone number handy to help answer some of the waiver questions). There might be a few questions about your current plan.

Once you have completed the waiver form, an email will automatically be sent to the email address you provided notifying you of the waiver request decision. If you receive a:

  • Approval e-mail– Your waiver was approved. You should print this e-mail and save it with your records.
  • Denial e-mail– Your waiver was denied. If you would like us to look this over or if you answered a question incorrectly, please contact us.

Please Note:  If you waive the insurance, you will not be eligible to enroll until the following school year, unless you experience a Qualifying Life Event.

Open Enrollment Periods

Open Enrollment Periods for all Dependents and Students: If you have eligible dependents in the Fall or are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline of *September 11, 2022, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event” during the year.

*For new dependents or new incoming students in the Spring semester, your open enrollment deadline is February 11, 2023.

*For full-time domestic graduate students in an Occupational Therapy program (6 credits or more), students in the ABSN Nursing Programs and eligible dependents in the Summer semester, your open enrollment deadline is June 11, 2023.

Qualifying Life Event

Students who did not enroll themselves or their dependent(s) during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event.

Qualifying Life Events include:

  • Acquiring a new family member
  • Marriage/Civil Union
  • Divorce
  • Loss or change of Job
  • Expiration of Benefits

If you and/or your dependents meet the requirements for a Qualifying Life Event, you will need to provide the following:

  • Proof of qualifying life event/proof of involuntary loss of coverage
  • Enrollment Form
  • Payment

All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student or dependents will no longer be eligible to enroll in the plan, until fall of the following school year.

Please Contact Us for cost and enrollment information as a Qualifying Life Event.

If you have any questions about the waiver process, please call 800-505-4160 or CONTACT US

We are always happy to help in any way.

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