Frequently Asked Questions

The Student Blue portal opens November 1 and you have until January 31 to take action (enroll or waive) for coverage.

• Have a lifetime maximum benefit of at least $1,000,000. Plans with per incident, per illness or maximums that are less than the lifetime maximum are not acceptable
• Provide access to health care providers in the Winston-Salem, NC area (Reynolda campus students) or Charlotte, NC area (Charlotte campus students) for emergency and non-emergency conditions, including mental health care. If you have an HMO and Winston-Salem, NC (Reynolda campus students) or Charlotte, NC (Charlotte campus students) is out-of-network, your coverage doesn’t meet our criteria. If your HMO offers guest privileges, you must contact your insurer to receive guest privileges and do so prior to waiving coverage
• Provide prescription drug benefits
• Remain in effect while enrolled at WFU

2023-2024 Premiums: $2,858 per year or $1,429 per semester

Student Blue covers all pharmacy and lab fees at Student Health Service with no co-pay.

X-ray services, which are managed by Atrium Health Wake Forest Baptist, are not included.

Student Blue is a worldwide policy, so you will have coverage wherever you travel. The plan does have in-network providers around the world. You may search for providers outside of North Carolina on the Student Blue website or by calling the number on the back of your ID card for “Locate
Non-NC Provider”.

If you visit an in-network provider in another state, you will need to make
sure the provider files the claim to the BCBS of the state in which services are received. For example, if you see an in-network provider in Florida, the provider will need to file a claim to Blue Cross and Blue Shield of Florida.

Providers should be sure to include the alpha prefix (three letters preceding the W on your BCBSNC member ID card) when filing claims to the local
BCBS. Visit bcbsnc.com/student for more details.

The Student Blue insurance plan does not offer dental benefits. If you need dental coverage, below are some resources for individual plans. Dental health insurance coverage is not required by Wake Forest University.

If you are interested in dental insurance, note that Wake Forest University does not endorse any specific plan. Below are some options that are provided as a resource only. You will want to verify the benefits of a policy before purchasing, including any exclusions or waiting periods. You will also want to ensure that your preferred dentist is participating in the plan that you choose.

• bcbsnc.com/content/plans/dentalblue
• federaldental.metlife.com/plan-benefits
• ehealthinsurance.com/dental-insurance
• dentalplans.com
• dentalinsurance.com

Visit Student Blue’s website for a broad array of information and resources.