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ID Card Instructions:
  • Please visit the Wellfleet website to download your insurance ID card, view your eligibility, claims history and track your deductibles and out of pocket maximums.
  • Click here and follow the instructions to obtain your ID card.
  • If you have any questions about your coverage or you need assistance retrieving your insurance ID number, please contact Wellfleet at 1-877- 657-5030 or by email at customerservice@wellfleetinsurance.com.
  • To help you better understand basic insurance terms in the United States, we created an Insurance 101 document for you.

Need to enroll in Insurance?

Complete the online enrollment form to purchase the plan for yourself and your dependents.

Enroll

My Benefits and Plan Information

University of Wisconsin - La Crosse Frequently Asked Questions

 

2025-2026 UW La Crosse Brochure


Claims Company

Who is my Claims Company?

Wellfleet is responsible for processing your claims. Their dedicated claims analysts and customer service representatives can address any questions you have on an outstanding claim or on how a claim has been paid.

 

Providers will bill the claims company directly. In the event that you paid for services and need to be reimbursed, mail the original invoice (keep a copy), proof of payment, and a copy of insurance ID card to Wellfleet. Medical claim forms are not required. Please retain a copy of all mailed documentation for your records. Approximately 30 business days are required to process a reimbursement for a medical claim.

How do I contact Wellfleet?

Wellfleet
2077 Roosevelt Avenue
Springfield, MA 01104
Phone: 800-633-7867

Email: customerservice@wellfleetinsurance.com

Register for Online Claims Look-Up here.


Find a Doctor

What is a Preferred Provider?

A Preferred Provider is a doctor, hospital or other health care provider that participates in the Cigna Preferred Provider Network.

 

The advantage to using a Preferred Provider is that these providers have agreed to accept a predetermined fee or Preferred Allowance as payment for their services. Out-of-Network providers have not agreed to any prearranged fee schedule, therefore any charges in excess of the insurance payment may be the student’s responsibility. Consequently, when insured students use Preferred Providers, out-of-pocket expenses will be less because any applicable cost sharing will be based on a Preferred Allowance.

 

The insured person should be aware that Preferred Provider hospitals may be staffed with Out-of-Network providers. Receiving services or care from a Out-of-Network provider at a Preferred Provider hospital does not guarantee that all charges will be paid at the Preferred Provider level of benefits.

 

How do I find a Preferred Provider?

 

Click here to locate a Cigna Preferred Provider.

 

Network participation is subject to change, so please verify with the provider that they are participating in the network when making an appointment or at the time of service.

 


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Complete the online enrollment form to purchase the plan for yourself and your dependents.



1 Please answer the following questions.

Do you want to buy coverage for your spouse or domestic partner?
Do you want to buy coverage for your spouse or domestic partner?
Do you want to buy coverage for your child(ren)?
Do you want to buy coverage for your child(ren)?

2 Choose the coverage period you're enrolling for.

Select from the coverage period(s) below:
Term: UW La Crosse Direct Pay 25-26

Coverage Dates

From

To

Deadline

08/04/2026

Term Rates Summary

Student
$5.36
Total
$5.36
per day
Select this term.

3 Important Enrollment Information

You must meet eligibility and attendance requirements set by your school to purchase or waive this insurance coverage. The insurance company maintains the right to investigate student (and dependent) status and attendance records to verify that the policy eligibility requirements have been met. If and whenever the Company discovers that the policy eligibility requirements have not been met, our only obligation is to refund premium payment, minus any claims paid. By enrolling in this plan you are agreeing to your insurance carrier’s binding arbitration policies listed in the plan brochure. It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purposes of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits. If your University is located in Washington State, the definition of Spouse includes Washington State Registered Domestic Partner.

*All refund requests must be sent to the University who will confirm nonstudent status with Gallagher Student Health, and submit the refund request on behalf of the student. The refund deadline is 45 days after the Insurance term start date. Only refunds submitted by the University before the refund deadline will be considered. Credit card refunds must be requested within 120 days of the date of purchase and before the refund deadline. No refunds will be considered after the refund deadline. All refunds will incur a $35 processing fee.