Student Health Insurance Plan

Student Health Insurance header

All registered students must have health insurance (this does not include Worldwide Campus students). Enrollment is automatic and your student account will be charged the insurance fee.

All students who have comparable insurance and do not need to purchase the student insurance must waive out of the student insurance plan between June 30, 2018 and August 27, 2018. If this is not done, your student account will be charged for the annual premium.

The Student Insurance Plan offers you

  • Year-round coverage: August 16, 2018 through August 15, 2019.
  • Access to United Healthcare’s nationwide network of health care professionals, including primary care and specialist doctors
  • Eligible students who enroll may also insure their dependents.
    • Eligible dependents are considered the student's spouse or domestic partner and their children (under 25 years of age) who are not self-supporting and live with the insured, or who are a full-or part-time students.
    • Under certain circumstances, the named insured may also cover a dependent child to the end of the year in which the dependent reaches the age of 30.

Overview of Your Plan Benefits

To review coverage, exclusions, and limitations please visit

The preferred provider for this plan is United Healthcare Options PPO. If care is received from a preferred provider, any covered medical expenses will be paid at the Preferred Provider level of benefits. If the covered medical expense is incurred due to a medical emergency, benefits will be paid at the preferred provider level of benefits. In all other situations, reduced or lower benefits will be provided when an out-of-network provider is used.

How to Waive out of this Plan

During the waiver period, Embry-Riddle students can access the insurance waiver by logging onto ERNIE.

To access waiver

  1. Go to your ERNIE account and click on the "Campus Solutions" icon.
  2. Go to"Main Menu" and click on "Self Service" and then "Student Center."
  3. Click on "Complete Health Insurance Data" and complete your insurance waiver online.

Note: International students cannot complete this online waiver. International students will have to see Debi Parris (928-777-3774) in the Center for International Programs and Services (CIPS) to waive out of the insurance plan. 


  • If you have trouble with your PIN logging into ERNIE, you will need to reset it to continue. If the problem persists, please contact IT at 928-777-6990.
  • If you are using TRICARE insurance, you will need to input your social security number in place of account number. Contact your TRICARE insurance representative if you need additional assistance with questions regarding your plan.

Failure to waive the insurance by the semester deadline will result in the nonrefundable insurance fee remaining on your student account. Embry-Riddle is not responsible for insurance waivers that are submitted after the deadline.

If you need additional information or are having trouble waiving out, please contact the Wellness Center at 928-777-6653

International Students

All International students by law and University requirements must have health insurance as a condition of enrollment. This must be a United States-based insurance with major medical coverage, in order to meet residency requirements as established by the U.S. State Department. If you have insurance and wish to be exempt from the University group policy, the deadline for providing proof of alternative insurance is the end of the second week of class.

To be exempt from the University group policy, please bring your policy provisions stipulating the amount of coverage for illness and injury to the office of Debi Parris, who is located in the CIPS office. You may also email your policy prior to your arriving at Embry-Riddle.

Your information will be forwarded to the Health Insurance Coordinator, who will waive you out of the school insurance, and your account will be credited.

If you do not provide proof of your alternative coverage by the second week of class, you will be responsible to pay for the University insurance policy.

Need More Information?

  • Wellness Center: 928-777-6653
  • International Students: Contact Debi Parris at 928-777-3774
  • United Healthcare Student Resources Customer Service: 800-767-0700 or 800-237-0903 (ext. 6240)