North Carolina State University (NCSU) Health Insurance Waiver Guide 2025

Introduction

North Carolina State University, as part of the University of North Carolina (UNC) System, requires eligible students to maintain active health insurance coverage. Students who do not submit proof of existing, qualifying coverage are automatically enrolled in the UNC System Student Health Insurance Plan, administered by Blue Cross and Blue Shield of North Carolina (Student Blue), and billed accordingly.

While Student Blue provides comprehensive medical benefits, many students already hold comparable coverage through a parent or private insurer such as Student Cover. For these students, paying for both plans would be unnecessary. Therefore, NCSU allows students to submit an insurance waiver to remove the Student Blue premium from their university account.

At Student Cover, we will help you navigate the university student insurance fee waiver process. This guide walks you through the waiver process, explains what qualifies as alternative coverage, outlines deadlines for 2025, and compares the university’s plan to other options like Student Cover.

What is an Insurance Fee Waiver?

A health insurance waiver allows students to opt out of university health insurance plans by proving that they have an alternative insurance plan that fulfills the university's requirements. You can submit a request to waive the student health plan.

If the insurance did not meet even one of these criteria, the waiver may be denied.That’s why it’s essential to understand the process, thoroughly evaluate your plan, and prepare accurate documentation.

Student Cover offers end-to-end support to help you get your waiver approved on the first attempt.

Why Are Alternative Health Insurance Plans More Affordable?

University-sponsored plans, such as Student Blue, are designed to cover a wide and diverse student population, including those with significant medical needs. As a result, the premiums can be higher to ensure comprehensive coverage.

Alternative insurance providers, such as Student Cover, can sometimes offer lower costs for several reasons:

• Targeted coverage – Plans are designed specifically for students with limited needs, avoiding high-cost extras.
• Flexible plan selection – You choose coverage levels, deductibles, and benefits that match your requirements.
• Lower administrative overhead – Private providers often have streamlined processes, reducing costs.
• Custom offerings for international students – Many alternative plans include mandatory benefits like evacuation and repatriation without unnecessary add-ons.

However, affordability should never be the only factor; ensure your alternative plan meets NCSU’s waiver eligibility standards before purchase.

How to Purchase Student Cover Health Insurance

• Visit: www.studentcover.in
• Under the insurance tab, click on student health insurance 
• Enter your university
• Start the enrollment process
• Create your account using your WhatsApp number to receive the OTP
• Fill in the required information
• Upload your documents 
• Submit, and you will be directed to the payment link
• Make a payment, and a policy will be provided to your email

Comparative Cost Analysis

Note: It is best to check the policy wording or the plan brochures for all the above figures, as they may change according to the student’s age, semester, and the plans offered.

Note: For more accurate information, visit the university website mentioned below in the FAQs

How to Apply for the North Carolina State University Health Insurance Waiver

Step-by-Step Process:

01 – Log In to the NCSU Insurance Waiver System Website

• Visit studentbluenc.com and click on “Request a Waiver.”
• If you are a freshman:
• Click on “Request Waiver” on the right.
• Register for an account.
• Return to the page and log in with your new account to continue the waiver process.
• Enter the waiver portal and fill in your applicant information.
• Complete your account detail

02 – Complete and Submit the Waiver Form to NC State University

• Fill in all required information accurately.
• Submit the waiver form.
• Note: The guide below is for the 2022–2023 academic year. Updated instructions for 2024–2025 will be posted soon, so check back for the latest details.

03 – Done!

• Your waiver will be reviewed within 5–7 business days.
• Once approved, the pending insurance charge will be removed from your student account.
• If you have already paid the school insurance premium, the amount will be refunded to your student account.

North Carolina State University Waiver Deadlines 

• Fall- September 10, 2025
• Spring - February 2, 2026

How StudentCover Helps

Student Cover is a popular choice among NCSU students because:

• It offers pre-approved plans to meet  UNC System waiver standards.
• Plans are affordable compared to university.
• They provide support during the waiver application process.
• Their plans often include nationwide provider networks and 24/7 telehealth services.

Contact Us

The Student Cover team provides full support:

• Email:  info@studentcover.in
• Phone/WhatsApp: +91-9650166773

FAQs

Who needs to submit a waiver?

Any student billed for Student Blue who has other qualifying coverage.

How often must I submit the waiver?

Each semester, regardless of previous approval.

Can international students waive?

Yes, if their plan meets NCSU’s requirements, including evacuation and repatriation.

What happens if my waiver is denied?

You will remain enrolled in Student Blue and must pay the semester premium.

Does Medicaid qualify?

Yes, if it provides adequate in-network coverage in North Carolina.

How long does approval take?

Typically, 5–10 business days.

Can I get a refund if I already paid and the waiver is approved later?

Yes, provided the waiver was submitted before the deadline.

Do I have to be full-time to submit a waiver?

Most waiver requirements apply to full-time students, but some part-time students may also qualify.

What documents do I need?

Policy ID card, coverage certificate, and a summary of benefits.

When should I buy alternative coverage?

Before the waiver period opens, to avoid delays in submission.

 Where can I find the official North Carolina State University health insurance waiver information online?

The most accurate and up-to-date waiver requirements, deadlines, and instructions are available on the official North Carolina State University Student Health Services website. Students should always verify details there before applying.

Disclaimer: We are not comparing or recommending one insurance plan over another. We are providing informational options so you can make an informed decision. Plan costs, coverage, and eligibility rules vary by student age, semester, provider, and plan year. To ensure accuracy, always verify the latest information via the official NCSU Student Health Services website and your insurance provider’s policy materials before making any decisions.