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College Health

USM Home Page / University Health and Counseling Services
Domestic Student Health Insurance Plan 2014-2015
POLICY: 2014-1334-1

This webpage is for the policy period 2014-2015. If you wish to visit the current policy page 2015-2016 please CLICK HERE.

Welcome to the University of Southern Maine Student Health Insurance webpage!

The University of Maine System's seven campuses require proof of health insurance as a condition of enrollment for all students fitting the criteria outlined below . In conjunction with this, the University of Maine System is making a Student Health Insurance Policy (SHIP) available. To access a brief description of the Student Heath Insurance Plan select the "Online Student Health Summary" link from the menu located on the left of this web page.

All USM students will be required to show proof of having health insurance as a condition of course enrollment if they meet the following eligibility criteria:

  • Undergraduate students taking 9 credits or more
  • Graduate or Law students taking 6 credits or more
  • All USM students enrolled in the School of Nursing
  • All USM students enrolled in the Athletic Training Program
  • All USM students enrolled in the Occupational Therapy Program

PLEASE NOTE: New spring and transfer USM students meeting the above noted criteria will be automatically enrolled in the SHIP with the spring premium of $594.00 being placed on their student account. Students who have already completed a waiver in the fall do not need to waive again in spring.

Attention International Students: The SHIP policy is not sufficient to meet insurance requirements for international students with F or J visas. Please contact the Office of International Programs at 780-4959 for more information.

WAIVER: Those new spring and transfer students who already have health insurance coverage through another insurer and do not wish to participate in the SHIP will be given the opportunity starting, December 1, 2014, to withdraw from this coverage by selecting the "Waive the Health Insurance" link from the menu located on the left side of this webpage and entering their health insurance information.

Waiver Deadline Spring 2015: February 20, 2015 (new spring and transfer students only)

ENROLLMENT: Those new spring and transfer students who want to take advantage of the SHIP and/or have no other insurance coverage beginning December 1, 2014, should complete the on-line enrollment steps to confirm their insurance enrollment and to get access to their ID card and benefits on the effective date of the policy. The Enrollment deadline is February 20, 2015 for new spring semester students. Once enrolled, be sure to "Create an Account" to gain 24hr online access to your insurance plan and to print your ID card.

Please select the appropriate link and follow the prompts to either enroll or waive the insurance if you are in one of the listed categories.


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Cross Financial Corp., a Maine corporation headquartered in Bangor, Maine, operates a network of wholly-owned subsidiary insurance agencies with locations in Maine, New Hampshire, and Massachusetts. Each office is a separate legal entity, is separately managed and is independently operated as a wholly owned subsidiary of Cross Financial Corp., Bangor, Maine.