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Grad Student Health Plan

The Trust Fund does not administer or manage the UMass Student Health Plan.

But we do want to point you in the direction of where to learn more!

Important Information About Your Plan

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Understanding the Difference:
The Student Health Plan vs. Your Trust Fund Benefits

UMass Student Health Plan

  • Plan year is 8/1-7/31 annually

  • This is your medical insurance plan, also referred to as health insurance, providing coverage to see doctors, behavioral health providers,  hospital visits, etc.

  • If you are taking 5 or more class credits, you are automatically enrolled. If you are taking less than 5 credits, or are on continuous enrollment, you need to submit the enrollment form to UHS each semester

  • Questions about this plan? Visit UHS Patient Services or or Still need help? Send an email to or call (413) 577-5192.

Note: the paper application is only for those taking less than 5 credits, family plans, or those on continuous enrollment.

Trust Fund Benefits (Dental & Vision)

  • Plan year is 9/1-8/31 annually

  • These plans supplement your health plan and provide coverage to see dentists and vision providers

  • You must reapply for these benefits each academic year. There is no automatic enrollment.

  • Questions about this plan? Connect with us.

UMass Student Health Plan Costs in Brief

This chart is stripped down to provide the most basic and direct answer to the question: “If I am GEO-eligible, what will I pay?”


While UMass provides the student health plan by virtue of your student status, your union (GEO/UAW 2322) negotiates the deferment of fees for that plan.

Frequently Asked Questions

How do I print an ID Card for the Student Health Plan?

First, go to the Wellfleet Student website. Enter your school as UMass Amherst, go to the three bars in the top right corner of the screen, choose "My Account," and then select, "Create a New Account." Once you have an account, ID card is also an option under the three bars in the top right corner.

Also on Wellfleet’s site, you can:

  • View what’s covered by the plan by clicking on Discover your Benefits

  • Find a doctor by clicking on Find Health Professionals


How do I find a doctor?

Go to the Wellfleet Student website, enter your school as "UMass Amherst," and click on "Find Health Professionals."

Outside of MA? Search in the zip code where you're located.

Outside the country? Please consult the Travel Guard brochure. 

How can I apply if I'm taking less than 5 credits, or I'm on Continuous Enrollment?

Is there coverage while traveling?

Yes! Learn more about Travel Guard.

I need help deciphering my Bursar bill...

Understand that your fees may not yet be deferred (removed from your bill). This process takes some time after your contract is processed. 


You can expedite the process by going into SPIRE and selecting “I would like to be covered under the University Student Health Insurance Plan and have the costs deferred.” Once fees are deferred, your bill will look like this (this is a single plan example):

Or like this (family plan example, in which one fee, “student health plan,” has not yet been deferred):

Questions? Connect with us.
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