While most services at Health Services in the Wellness Center are free to students, McDaniel College requires that all full-time undergraduate students have medical insurance coverage comparable to that offered through the school’s comprehensive Student Health Insurance Plan. Students are afforded one opportunity in each academic year to waive the school’s coverage. If students do not submit an annual heath insurance waiver, they will be automatically enrolled in coverage through the Student Health Insurance Plan. Information regarding the submission of the online insurance waiver, and the associated deadline, will be enclosed with the Fall semester statements.
To waive coverage, please go the Student Plans Online Waiver System. You will need the student ID number/tuition account holder number (example:000123456) or Social Security Number.
McDaniel College has selected the Cross Insurance Agency as the administrators of the Student Health Insurance Plan, which is underwritten by Commercial Travelers Mutual Insurance Company. Graduate students may voluntarily enroll in the Student Health Insurance Plan. Please contact the Cross Insurance Agency, 800-537-6444, or McDaniel College Health Services, 410-857-2243, for additional information regarding benefits, enrollment, and claims.
Important Information about Out-of-state Medicaid and state Insurance Plans, HMOs, and Kaiser Permanente Insurance Plans
For those students whose health insurance is provided by Out-of-state Medicaid and state Health Insurance Plans, HMOs, or Kaiser Permanente, it is important to know that these plans may not cover non-emergency medical care in the Westminster, MD and surrounding areas.
Please contact your medical insurance carrier to confirm that your insurance covers non-emergency care (health and/or mental health related) in Maryland.
Please consider purchasing the school health insurance policy to cover care, diagnostic testing, medications, and mental health treatment (including substance abuse treatment) outside of the McDaniel College Wellness Center, if one or more the following apply to you:
- Your current health insurance does not cover non-emergency care in the Westminster, MD and surrounding area.
- If the out of pocket deductible for non-emergency care and is too expensive to allow you to afford your portion of the bill.
For any questions related to the student health insurance coverage offered by McDaniel College, please call the Wellness Center at (410) 857-2243 between the hours of 8:30am-4:30pm Monday-Friday.
Away from Home Guest Membership Plans
Some HMOs offer guest membership plans which provide healthcare benefits to continue at the same level when a student is away from home. Please contact your HMO insurance provider to find out if this option is available. There is usually no additional charge for this type of program.