Insurance FAQs

Student Health Insurance

Briefly stated, first you must meet your annual deductible ($250 for the plan year). This deductible is a cumulative total to any and all healthcare providers, outside of Student Health Services.  After you have paid your annual deductible, when you go to a “preferred care provider” (a doctor that accepts the Aetna Student Health insurance) then Aetna will pay 80% and you will pay 20% of covered healthcare costs.

For complete coverage and plan details, including the prescription medication copays,  please review the Student Health Insurance Summary of Benefits and Coverage. For questions, contact Aetna Customer Service (1-800-878-1945) or the Student Health Insurance Office (703-993-2827 or 703-993-7634).

For general information how health insurance works, visit our Health Insurance Resources webpage.

For a complete plan description, including covered services, please review the current year Student Health Insurance Summary of Benefits and Coverage. If you have any questions about coverage, contact Aetna Customer Service (1-800-878-1945). Visit the Insurance webpages for details and to view the current plan design summary.

In general, the plan provides extensive coverage at a reasonable cost on and off-campus. It provides coverage anywhere in the U.S. and while traveling abroad, including worldwide travel assistance and emergency air transportation services. The plan also includes dental and vision discount programs.

Domestic Students

You pay when you enroll online at the Aetna Student Health website.

International and INTO Students

You pay your health insurance premium through George Mason University via Patriot Web because the premium is charged to your tuition account. The insurance premium is due at your tuition due date.

Please note that the insurance premium is deducted from all payments received by the university before funds are applied to tuition and other charges

Your insurance will terminate at the end of the health insurance term.

Date Insurance Coverage Ends

  • Domestic Students: August 15
  • International and INTO Students:
    • In Fall: January 4
    • In Spring: August 15

For example, if you are an International or INTO student and graduate in the fall semester, your health insurance will end January 4.  If you are an International or INTO student and graduate in the spring semester, your health insurance will end August 15. Domestic students’ coverage will end August 15, regardless of fall or spring graduation.

Insurance and healthcare resources for Mason Graduates

Domestic Students

Yes, though it is recommended that you first contact your health insurance company.  Let them know that you will be a student at George Mason University and check that you will be covered in the Northern Virginia area. You may also want to contact your insurance provider to locate local doctors who accept your insurance.

You might also age-off your parent’s insurance while at Mason. If you are covered by your parents’ policy, please review it carefully to make certain you are still eligible for coverage throughout your college years. Read more about what to do if you age off your parent’s plan.

International Students

International students (F-1/J-1 visa), who want to keep their insurance plan, should carefully read all insurance waiver criteria. Your insurance plan must meet all the requirements and you must submit your waiver by the waiver deadline.  If you meet all requirements, you can fill out the waiver application.  If you are not sure that your insurance plan meets the waiver criteria, contact the Insurance Office (703-993-2827 or 703-993-7634).

Note: All waiver applications will be audited.  Student Health Services reserves the right to make final waiver decisions.

The time and financial commitment required to obtain a formal education is an invaluable investment in your future. No one plans to get sick or injured. Health insurance can offer some protection and help you cover unexpected and potentially high medical costs that could negatively impact your health and potentially your financial future. Health insurance also allows individuals to seek early treatment for illness.  Students without insurance tend to stay sick longer, placing family, friends and our Mason community, at risk. George Mason University makes health insurance available to eligible students through Aetna Student Health.

The Patient Protection and Affordable Care Act (ACA) was passed in 2010 in the U.S.  The following information is taken directly from regarding the individual shared responsibility payment, which may impact a student or family. “If you can afford health insurance but choose not to buy it, you must pay a fee called the individual shared responsibility payment. In some cases, you may qualify for a health coverage exemption from the requirement to have insurance.” Visit to learn more.

The Mason Student Health Insurance Plan has been developed especially for Mason students. The plan provides coverage for illnesses and injuries locally and when you travel either domestically or abroad. The Mason plan is accepted by many local healthcare providers. Check out all the details at Aetna Student Health.

For information about commonly used insurance terms, please read the definitions located in the Aetna Student Health brochure or visit Aetna online.

If you have questions about your coverage or other terms, contact Aetna Customer Service (1-800-878-1945). You can also contact the George Mason University Student Health Insurance office (703-993-2827 or 703-993-7634).

There is a video explaining general health insurance terms on our Student Health insurance resources webpage.

For questions about the Student Health Insurance Plan you can contact Aetna Student Health Customer Service (1-800-878-1945) or the Insurance Office (703-993-2827 or 703-993-7634).

For pharmacy or prescription questions, you can contact Aetna Pharmacy Management (1-888-792-3862).

University Policy #6002 outlines F-1 and J-1 Health Insurance Requirements.

No. All currently enrolled George Mason University students are eligible to be seen at Student Health Services whether they have insurance or not. There is no charge to be seen by a healthcare provider, there are fees for supplies, immunizations, lab work,  medications, and some procedures.

Student Health does not bill health insurance. However, if you have health insurance you may use it for outside lab fees, so bring your health insurance card if you have one to your appointment.

Students who have the Aetna Student Health insurance plan do have 100% coverage for services listed in the Plan Design and Benefits document if provided at Mason’s Student Health Services.

Enrollment and eligibility questions

Students at George Mason University are eligible to enroll in the Student Health Insurance Plan if they fall into one of the below categories:

  • Undergraduate students taking 3 or more credit hours per semester
  • Graduate, master, certificate or non-degree students taking 3 or more credit hours per semester
  • PhD or Doctoral students enrolled in a doctoral program.
  • Students taking less than the required credit hours but graduating in the current academic year are also eligible to enroll.

International and INTO students  with a J-1 or F-1 visa will be automatically signed up for the plan by the Insurance Office.  Health insurance is required for all F-1 & J-1 visa students at Mason per University Policy #6002.

If you are a J-1 Visiting Scholar, please contact the Insurance Office (703-99-7634 or 703-993-2827) for information.

Visit our Insurance webpages for more information about the insurance plan.

Domestic Students

Domestic students and eligible dependents, enroll online at Aetna Student Health during the Open Enrollment period.

Domestic Students may purchase the plan until the final enrollment deadline.  If a student experiences a significant life change that directly affects their insurance coverage they may submit a request to enroll after the final enrollment deadline within 31 days of the significant life change.  If you experience a significant life change which results in loss of coverage under another health plan, contact the Insurance Office (703-993-2827 or 703-993-7634).

International and INTO students

International and INTO students are enrolled by the Mason Insurance Office.

International and INTO students enroll their eligible dependents online at Aetna Student Health during the Open Enrollment period.

Contact the Student Insurance Office (703-993-2827 or 703-993-7634) for detailed information or any questions.

Please check the eligibility criteria. If you age off your parent’s insurance or lose your coverage during an open enrollment period, you are able to enroll online.

If you have lost coverage or aged off your parent’s insurance plan after the open enrollment period, and have not lost coverage for more than 31 days, you may enroll in the Mason Student Health Insurance Plan. Contact the Insurance Office for more information.

Yes.  If you have the Mason Health Insurance Plan, you can sign up your eligible dependents online during the open enrollment period.

If your dependent is arriving in the United States after the open enrollment deadline, contact the Insurance Office (703-993-2827 or 703-993-7634).

Insurance waiver questions (International Students Only)

Please see the Insurance Waiver page for current deadlines.

Please refer to the instructions for waiving the George Mason University Student Health Insurance Plan. Submit your waiver before the waiver deadline.

If an international or INTO student fails to submit a waiver, the student will be automatically enrolled in the George Mason University Student Health Insurance Plan and will pay the premium charged to their Patriot Web account.

Once you have submitted your waiver application, check your Patriot Web account.  If your waiver application was approved, the balance of the insurance premium will be $0.

You are enrolled in the Mason Student Health Insurance Plan and you have to pay the premium charged to your Patriot Web account.

Please submit your waiver by the appropriate waiver deadline.

Claim forms, ID cards, and other account services questions

All Students

Students can print a paper insurance ID-card online on the Aetna Student Health website. Click either ‘Print Your ID Card’ or ‘Member Log In’ and follow the prompts.

Students can call Aetna Student Health customer service or log in to their Aetna member account and request a replacement ID-card to be mailed.

Receiving your card during enrollment:

Domestic Students

Aetna Student Health will mail you an ID-card once your enrollment is processed. Usually the process takes about 10 business days.

International and INTO Students (F-1/J-1 visas)

Aetna Student Health will mail permanent ID-cards directly to the student’s current U.S. mailing address about 4-6 weeks after the beginning of the semester. If there is no current U.S. mailing address on your Patriot Web account, you will not receive your mailed ID-card. Your Patriot Web account must reflect your current U.S. mailing address in the beginning of the semester.  

You may print a new ID card online by visiting the Aetna Student Health website. Follow the instructions to print.

Or call Aetna Student Health’s Customer Service at 1-800-878-1945. Please check that your mailing address is correct.

Visit Aetna Student Health website, click on ‘Member Log In’ or ‘Members – Aetna Navigator’.

  • If you are already registered, log-in to the secure member site.
  • If you are not yet registered, follow the instructions for First Time Users.

Most preferred-care providers will submit the claim for you.

If your doctor’s office will not submit the claim for you, you may download claim forms online by visiting the Aetna Student Health website. Select ‘Member log-in’ or ‘Member-Aetna Navigator’ and log in to your account, select ‘Find Forms’. Or, click on ‘Helpful Resources and Forms’ for more information about how to submit the form.

Medical care questions

Students should contact their health insurance provider to check their insurance coverage for immunizations and titers. Student Health Services cannot guarantee coverage, payment or reimbursement by your insurance company.

Students who have purchased the Aetna Student Health Insurance plan have necessary immunizations and/or titers covered at 100% at Student Health Services. Details can be found in your Plan Details and Summary.

The Aetna Student Health plan does not include dental insurance, but it does include a dental discount program: the Vital Savings Discount Program. In most instances savings range from 15-50% discount on services from general dentistry and cleanings to root canals, crowns, and orthodontia (braces). Actual costs and savings vary by provider and geographical area. No claims to file.

To find a dentist who participates in the Vital Savings Discount Program, a student should use the “Find a Doctor” tool located on the Aetna Student Health website.

Student Health maintains a list of off-campus health care resources. This page has information about local  health clinics, local reduced priced dental care, and reduced priced prescription drug programs.

When you go to a preferred care pharmacy, you will be asked to pay your co-pay only. To locate a preferred care pharmacy, use the Aetna Find a Doctor tool online.

Co-Pay Amounts:

  • $15 for Generic
  • $40 for Preferred Brand
  • $ 75 for Non-Preferred Brand

If you go to a non-preferred care pharmacy, you will be asked to pay for the prescription in full. After you pick up your prescription, you will submit a claim to Aetna.

For additional questions about prescriptions/pharmacy, please call Aetna Pharmacy Management (1-800-792-3862).

It is in your best interest to first seek treatment at Student Health Services (except in an emergency). By utilizing services provided by Mason, medical cost will be contained and it will help keep premiums at reasonable rates. It is free of charge to be seen by provider at Student Health.

You may go to any doctor or provider you wish, but it is recommended that you use a “preferred care” provider, because the insurance will cover 80% of the care cost. If you see a non-preferred care provider, only 60% will be covered. Do not forget the annual deductible.  The insurance company will start to reimburse you only after you have met your deductible.

The Aetna Find a Doctor tool will help you locate doctors, hospitals, after-hours urgent care facilities, dentists, specialists and pharmacies that are preferred care providers.

No. The Mason Student Health Insurance plan does not require a referral to see a specialist.

If you are experiencing an immediate or life threatening emergency call 911 or go to the nearest emergency facility.

If Student Health Services is closed and you have a health concern, you may contact our free after-hours nurse advice line (703-993-2831), your primary care provider, an urgent care facility, or an emergency facility.

An urgent care center may be a good resource for non-immediate or non-life threatening concerns when Student Health is closed. Remember to check the facility’s hours of operation. If you have health insurance, check with your insurance provider to find a facility that is “in-network” or a “preferred provider”.

Insurance Office

Hours: Monday – Thursday 8:30 – 4:30pm, Friday 12:30 – 4:30pm

Phone: (703) 993-2827 or (703) 993-7634


Fax: 703-993-3955

Address: Student Union Building (SUB) I, Rooms 2345 & 2349

4400 University Drive, MS 2D3, Fairfax VA, 22030