Student Insurance

How to Enroll in UMB’s Student Health Insurance Plan

All full-time students (Graduate Level – 9 credit hours or more, Undergraduate Level – 12 credit hours or more) are automatically billed for and enrolled in the Student Health Insurance Plan (SHIP). This does not include students enrolled in designated Online Only Programs. If students have comparable health insurance coverage they are able to waive the SHIP by completing the online waiver by the required waiver deadline, and the SHIP charge will be removed if the waiver is approved. 

If students are enrolled in online classes that are not part of a designated Online Only Program, they are subject to the health insurance requirement as noted above. 

Any students taking fewer than 9 credit hours for Graduate Programs and 12 credit hours for Undergraduate Programs will not be automatically billed for SHIP, but are eligible to enroll on a voluntary basis, excluding students enrolled in a designated Online Only Program. Students who want to enroll in the UMB SHIP will need to complete the Gallagher Decision Form prior to the waiver deadline.

Important Notices: 

  1. You must use your UMB email address as the user ID to log in and your UMB student ID as your password.  
  1. If you can't log in or don't have a UMB email address, please contact your school or Student Accounting at 410-706-2930. 
  1. Please allow FIVE business days from the waiver approval date for the waiver to reflect on your student account.


Go to

  1. Your user account has been created for you.
  2. Your user name is your UMB email address.
  3. Your temporary password is your Banner ID.

If your Banner ID is @00123456, enter 000123456 as the password. (You can get your Banner ID on the Welcome Page of SURFS, under the "Registration Status" link.)

  1. You will be prompted to reset your password the first time you log in. A secure link will be sent to your UMB email address to complete the process. Once the password is reset, you will not receive a prompt again.
  2. Follow the instructions to complete the form.
  3. Print or write down your reference number. Receipt of this number only confirms submission, not acceptance, of your waiver request.
  4. If you are waiving coverage, your waiver is subject to a waiver verification process. For information on the Health Insurance Waiver process, please visit the following link:

If you have any questions or would like to speak with a customer service representative, please contact Gallagher Student Health and Special Risk at 1-844-288-4916 or by going to our website and clicking on the Customer Service link.

Voluntary Dental Insurance

PLEASE NOTE: Students do NOT need to be enrolled in the Student Health Insurance Plan in order to purchase this Voluntary Dental Plan and self-pay for the insurance via the Gallagher enrollment website.

For additional information and enrollment, please visit the following link:

Student Health Services

To access information about the UMB Counseling Center location, hours, services provided, and specific information about birth control pills, immunizations and needle stick procedures follow the Student Health link:

Student Vision Insurance

All UMB students are eligible to enroll in vision insurance.  Enrollment and payment for the vision insurance is facilitated directly through United Healthcare Student Resources.

Please follow the following steps to enroll into the Student Vision Insurance Plan

  1. Go to
  2. Under Vision – Student Plan, click on “Explore Policy”
  3. Click “Enroll Now”
  4. Follow the instructions to complete the enrollment form and pay online.

Student Accident Insurance

All full-time registered students and MSHS-Physician Assistant Concentration students will be enrolled in and billed for the UMB Accident Only Insurance Plan. 

For additional information on the policy, please use the following links:  

Frequently Asked Questions

Schedule of Benefits