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!
The Student Health Plan renews each 8/1. If you're not seeing your coverage, here are some tips...
I'm not showing up as having the health plan. Why?​
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Grad students are automatically enrolled by UHS if you're taking a minimum number of academic credits. If you fall below that minimum or you're on continuous enrollment, you need to complete this form and submit it to UHS to be enrolled.
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You should be able to download a Wellfleet ID card if enrolled.​​​
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You can contact Wellfleet Customer Service at (877) 657-5030 or UHS Patient Services at (413) 577-5192.
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Understanding the Difference:
The Student Health Plan vs. Your Trust Fund Benefits
UMass Student Health Plan
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Plan year is 8/1-7/31 annually
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This is your medical insurance plan, also referred to as health insurance, providing coverage to see doctors, behavioral health providers, hospital visits, etc.
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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
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Questions about this plan? Visit UHS Patient Services or or Wellfleetstudent.com. Still need help? Send an email to patientservices@uhs.umass.edu or call (413) 577-5192.
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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)​​
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NEW in 2025-2026: the plan year is 8/1-7/31 annually
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These plans supplement your health plan and provide coverage to see dentists and vision providers
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You must reapply for these benefits each academic year. There is no automatic enrollment.
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Questions about this plan? Connect with us.
UMass Student Health Plan Costs in Brief
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. Eligible GEO members receive a reduction of 95% of the full cost of the plan.
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 after the fee reductions?”
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Frequently Asked Questions
How do I print an ID Card for the Student Health Plan?
First, go to the Wellfleet Student website. If you don't have an account, click on "Create a New Account" on the right side of the screen. Once you have an account, ID card is also an option under the three bars in the top right corner.
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Also on Wellfleet’s site, you can:
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View what’s covered by the plan by clicking on Discover your Benefits
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Find a doctor by clicking on Find Health Professionals
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Waive insurance only if you DO NOT WANT the INSURANCE BECAUSE YOU HAVE OTHER INSURANCE.
How do I find a doctor?
Go to the Wellfleet Student website, enter your school as "UMass Amherst," and click on "Find Health Professionals."
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Outside of MA? Search in the zip code where you're located.
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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):
