Dependent FAQs

Can I enroll dependents in the University-sponsored student health insurance plan?

Yes, the student health insurance plan allows for the enrollment of student dependents. Please complete this form and email insurancequestions@nd.edu with the student's NDID number, and attach copies of the marriage certificate to add your spouse and/or the birth certificate(s), adoption papers, proof of custody/guardianship, or passport(s) to add your children (whichever applies).

Students in a Graduate School degree program who are full-time and fully-funded receive a subsidy that pays 100% of the annual health insurance premium and receive a subsidy that covers 100% of the cost of the health insurance premium for their legal dependents. View eligibility requirements for the health insurance subsidy through the Graduate School.

Are student dependents automatically enrolled in the University-sponsored student health insurance plan?

No, dependents are not automatically enrolled in the student health insurance plan. Students are required to elect coverage for their dependents during the waiver/enrollment period, which is based on the semester in which they begin their studies. Waiver/enrollment periods are as follows:

• May 15 - June 15 (Summer courses)
• July 15 - August 31 (Fall courses)
• January 1 - February 15 (Spring courses)

Outside of the waiver/enrollment periods, dependents may be added for specific qualifying events by emailing insurancequestions@nd.edu.

What are the qualifying events that allow me to add or remove a dependent outside of open enrollment?

Qualifying events to add a dependent include marriage, the birth of a child, the arrival of a student’s spouse and/or child in the US, and the loss of coverage from an insurance provider.

To add a dependent to the student health insurance plan following a qualifying event, please submit the request via email within 31 days of the event to insurancequestions@nd.edu.

Students who experience the loss of insurance coverage have 62 days to add a dependent to the student health insurance plan. Proof of arrival date in the US or loss of previous coverage may be required. Please note that additional documentation may also be required.

Qualifying events to remove a dependent during the plan year include death of a dependent and divorce.

To remove a dependent from the student health insurance plan following a qualifying event, please submit the request via email within 31 days of the event to insurancequestions@nd.edu. If you think you have an exception to the aforementioned list of qualifying events that should be considered, please email insurancequestions@nd.edu.

What happens if I miss the deadline to add dependents?

Email insurancequestions@nd.edu to request an exception, and additional guidance will be provided. If you are approved to add a dependent outside of open enrollment or the statement timeframe for a qualifying event, the coverage will be backdated to begin at the start of the plan year or the date of the qualifying event.

Can dependents access services at UHS?

No, dependents are not eligible to receive care at University Health Services. UHS is a student-only resource. Dependents of Notre Dame students are eligible to use the Wellness Center and are required to register to access the Wellness Center.

Is there any out-of-network coverage for dependents?

Yes. There is a $1,500 deductible for out-of-network providers. You will need to meet the deductible first and then the charges will be reimbursed at 60% for out-of-network providers.

If a subsidy-eligible graduate student starts their graduate program in the summer of 2025, will they receive the subsidy for their dependents in the summer?

No, the dependents of the subsidy-eligible students will not be eligible for the subsidy until the student health insurance plan year begins on August 15.