Student Health Insurance

All full-time, matriculated students are required to have health insurance while enrolled at College of the Atlantic. 

Students must verify that they have other adequate health insurance coverage in order to waive automatic enrollment in the Student Health Insurance Plan. To waive enrollment, please complete the Wellfleet Insurance waiver form.

If you do not have health insurance, you’ll need to opt in using the Wellfleet Insurance opt-in form.

If you currently have health insurance coverage, it is your responsibility to determine that it meets or exceeds the coverage available through the Student Health Insurance Plan. Often a student covered by a parent’s plan at home, will have limited or no benefits while at college or while away in other parts of the U.S. or in a foreign country.

When reviewing your current medical insurance coverage, be sure it provides access to care in the State of Maine, and provides comprehensive coverage, extending beyond emergency care to include physician and hospital services. Students wishing to supplement their existing coverage by remaining on the COA Student Health Insurance Plan may do so. To avoid being charged students must waive health insurance every year.

The COA Student Health Insurance Plan has been developed especially for COA students and functions as a major medical plan. 

Submitting a claim

In the event of an injury or sickness, students should secure an insurance claim form online and complete it according to the directions on the form.

Only one claim form needs to be submitted for each Accident or Sickness. Bills must be received by the company within 90-days of service or as soon as reasonably possible to be considered for payment. If you have a questions contact Barbara Conry at bconry@coa.edu

To submit a claim, click here.

Rates

Full year cost: $3,126
(coverage from 8/15/25 -8/14/26)

Winter & spring term cost: $1,936
(coverage from 1/8/26-8/14/26)

Spring term cost: $1,293
(coverage from 3/28/26-8/14/26)