Student Health

Health Insurance

It has been brought to our attention that there is some confusion about enrolling and/or waiving the student insurance plan for the upcoming spring 2021 semester. I hope this will help clarify those concerns.

December Graduates

If you were enrolled in the student medical insurance plan (SMIP) during the fall 2020 semester and you want to terminate (December 31, 2020) your policy, please complete the Change Request Form and return it to by January 31, 2021, by 11:59 pm. If the Graduate School covered your insurance premium; you would be responsible for the remaining $2089.00 (January – July).

Fall 2020 Matriculants

Students who matriculated the fall 2020 semester but did not enroll in SMIP and would like to enroll with a January 1, 2021, effective date should complete the Change Request Form and return it to by January 31, 2021, by 11:59 pm.

Spring 2021 Matriculants

Spring 2021 matriculants should enroll or waive in SMIP via their Duke Hub account. Failure to complete the enrollment or waive process will result in being enrolled by default.

We have received several calls and emails already, and I want to assure you that we are working on every one of them handily. Our apologies for any inconvenience.

Open Enrollment for Spring 20-21

Spring open enrollment for 2020-21 benefit year will begin November 15! Spring matriculates, please log in to your Duke Hub account to enter your decision to waive or enroll in the plan.

A prorated charge for the student insurance plan has been placed on your tuition bill/Bursar account. This charge and coverage by the plan may be waived if you provide adequate proof of coverage under another health insurance plan. The waiver criteria are listed below. Please note that by paying the insurance charge on your Bursar account, it does not automatically enroll you in the plan at that time. Please confirm enrollment through your Duke Hub account.

Health Insurance Requirement
All students are required to maintain adequate medical insurance during their enrollment at Duke University. You must complete either the enrollment or waiver process within the open enrollment period (see below). Failure to do so will result in a delay in coverage or a charge for insurance you do not need.

Duke offers a Student Medical Insurance Plan (SMIP) designed to meet the needs of students who have no insurance or who have inadequate insurance coverage in the Durham, NC area. Please review your coverage. While it may be acceptable for a waiver, it may not provide the kind of security and coverage provided by our student plan, which is tailored to a Duke students specific needs.

If you are an international student holding an F1 or J1 visa, enrollment in the SMIP is mandatory.

The 2020-21 Duke SMIP is underwritten by Blue Cross Blue Shield (BCBS) of North Carolina. Student insurance plans with BCBS are identified as Student Blue.

Open Enrollment/Waiver Period
If you do not enter your decision by January 31, 2021 you will be automatically enrolled in the SMIP for the period from January 1, 2020 until July 31, 2021. If you are enrolled by default, the insurance charge will remain on your Bursar account, but you will not receive your enrollment ID cards until after February 1, 2021. If you do not enter your decision and are automatically enrolled, you WILL NOT be able to waive.


Intend to Enroll?
Please complete the enrollment process through your DukeHub account.

If you do not have a U.S. mailing address (required for mailing of the insurance ID card), please use the address noted under U.S. Mailing Address.


Intend to Waive?
Please complete the waiver process through your DukeHub account

See Waiver Criteria & Review for the requirements to waive the SMIP.


Need to Change Your Decision?

Need to Change Your Decision? Did you enroll but intend to waive? Did you waive but intend to enroll? If you would like to change your decision, e-mail us at and we will send you the necessary information to update your insurance status. You must submit your request by 5:00 PM on September 15th, 2020.