Health Insurance

Health Insurance

Health Insurance
Know Your Coverage
Health Insurance

Health Insurance Information

All students should be covered by a health insurance plan that provides a wide range of benefits at a reasonable cost. The state of Florida requires international students to have health insurance coverage that meets the state’s specific criteria if the student is enrolled in a plan from their home country or if they prefer to subscribe to a plan available in the United States.

Federal Health Care Reform

For information about the federal government Affordable Care Act and the Health Insurance Marketplace that is now open, go to

Also, please see the Healthcare Exchanges / Marketplaces Frequently Asked Questions.

UCF Health Services

UCF Health Services offers students high-quality, convenient, affordable medical care and education that encourage healthy lifestyles. Health Services includes the Health Center, Wellness Center, Pharmacy, and Dental Center.

Students pay a state-mandated health fee each semester during registration to cover the cost of basic health services. Health insurance is available for an additional cost. Office visits are free and unlimited. X-rays, laboratory, certain procedures, and prescriptions are offered at a reduced cost. Specialty clinics include travel, women’s health, allergy injections and immunizations.

Health Insurance for Graduate Assistantship and University Fellowship Students

UCF pays the premiums for health insurance coverage for qualifying university fellows and graduate assistants with appointments totaling 20 hours per week. To qualify for enrollment in the coverage, students must maintain the assistantship or fellowship during the semester associated with the coverage period(s) and be enrolled full-time in a degree-seeking graduate program. The enrollment requirement can be met by a combination of online and on-campus credit hours, not to exceed 50% online. Students enrolled in fully online programs are not eligible for the plan. Health insurance coverage is just one of many ways that UCF is supporting excellence in graduate education and training.

Health Insurance Coverage Periods 2019-2020

Fall Assistantship or Fellowship – August 15-December 31
Spring Assistantship or Fellowship – January 1-August 14
Summer Assistantship or Fellowship – May 4-August 14

Health Insurance Coverage Periods 2020-2021

Fall Assistantship or Fellowship – August 15-December 31
Spring Assistantship or Fellowship – January 1-August 14
Summer Assistantship or Fellowship – May 10-August 14

Please note that students wanting to enroll in the insurance plan must accept the coverage before the end of the insurance company’s open enrollment period for the semester.  Once the open enrollment period closes, we are no longer able to add students to the coverage for that coverage period.

Communications from the College of Graduate Studies and the health insurance company will be sent to the student’s Knights Email address and mailing address in the university records. Students who anticipate receiving health insurance coverage due to their assistantship or fellowship are advised to keep their contact information current at myUCF (

For more information about this health insurance coverage, see the following sources:

College of Graduate Studies Graduate Assistant and University Fellow Program Insurance Flyer

UCF Student Health Plan, underwritten by UnitedHealthcare Insurance Company and serviced by Gallagher Student Health & Special Risk site: 

Navigate to My Benefits and Plan Information and select the “Hard Waiver Program” FAQs and the “Supported Graduates”  brochure for the details related to the plan.

Gallagher Student Health & Special Risk’s toll-free phone number:  1-877-535-3127

Gallagher Student Health & Special Risk’s e-mail:

The Gallagher Student Health & Special Risk website Resources and Links section includes helpful guides for students: ways to save with student health insurance, understanding insurance terms and claims, and federal health care reform and your student health insurance plan.

Printing your ID card 

  1. Go to
  2. Select the University of Central Florida from the list of options
  3. On the left toolbar, click ‘Account Home’ and then log in (if you have not already)
  4. On the left toolbar, under ‘My Account’, click on ‘Authorize Account’
  5. Enter your UCFID (formerly PID) number and your date of birth, then click ‘Authorize Account’
  6. You will be redirected to the ‘Account Home’ page, then click on ‘Generate ID Card’ under ‘Coverage History’

Tax Information

It is important that you log into the Gallagher Student Health website at and verify your enrollment in the coverage. Beginning with the 2015 calendar/tax year, UnitedHealthcare will send students 1095-B forms for tax purposes. Please make sure that your mailing address is up-to-date with the insurance provider.

Short Term Medical Insurance

Gallagher Student Health & Special Risk offers Short Term Medical Insurance specifically designed for people who need temporary health insurance for a few months after graduating, are between job or are waiting for other health insurance coverage. Students seek this coverage when they are no longer eligible under a school sponsored plan or their parent’s plan but have not yet been enrolled in an employer plan.

Please see for more information.