Health insurance is required for F&M students. All students are charged a Health Services fee with their tuition. The health fees do not include health insurance for illness, accidents, or athletic injuries. The college provides a student insurance policy that is required for students without other adequate insurance. This policy is also recommended for students intending to participate in varsity, club, or intramural sports or as a primary supplementary policy for those with managed care insurance whose away-from-home benefits provide insufficient coverage.

Enrollment forms and waivers are sent to each student over the summer. The college sponsored plan may be waived if proof of adequate away-from-home coverage is provided. By waiving out of the plan, however, the basic athletic accident coverage is also waived.

Students should know basic information about their insurance coverage and have an insurance card to present if the need for emergency or outpatient care arises. A copy of both sides of the card should be provided to AHS and updated every semester. Those who have waived the supplementary policy and are insured by managed care or an HMO should know the approval process required if services not available on campus are needed. It has been our experience that some students have been forced to return home to receive non-emergency outpatient care. Others have needed to identify a primary care physician in Lancaster. Some managed care companies participate only with specific laboratories or outpatient facilities. The need to investigate coverage requirements at a time when the doctor recommends outpatient procedures often results in unfortunate delays in treatment.

Additional information is available from the policy administrator Hulse/QM, phone number: (800) 766-7090 or (800) 287-0285.   For enrollment/waiver questions,  call (800) 433-2042 extension 2.

  • Revised April 2014 

Costs and Fees

Students are not charged for office visits at Appel Health Services.  There are a few services which have a small cost. The students can charge their school account, pay with cash or check. We know that vaccines can be expensive so we charge what we pay for vaccines. This applies for durable medical equipment (aircasts, splints, etc.) too. Here is a list of frequently used tests, medicine, and equipment:

  • Tdap vaccine - $40
  • Td - $30
  • Meningitis vaccine (Menveo) - $110
  • Hepatitis B - $75
  • Hepatitis A - $85
  • Medications - $10
  • Rapid testing - $10
  • Prices subject to change
Student Health Insurance Plan Portal 


Hulse/QM manages health insurance plan for students enrolled in F&M's health insurance.  Select Franklin & Marshall from the Hulse/QM page to access.  

Access portal