2009-2010

Student Insurance

Each student who enrolls at the Institution is required to carry medical and life/disability insurance through the Institution's carrier. You need to complete the online enrollment to enroll. Students who can prove they have medical insurance coverage through another insurance company, may be waived by completing a online waiver, and providing a copy of your insurance card (front and back) to the Office of Admissions and Student Services.  Dental and vision insurances are voluntary.

Medical Insurance - Policy #2009-2297-1

The medical insurance plan with UnitedHealthcare Student Resources has a lifetime maximum of $500,000 per insured. The medical insurance annual premium for the 2009/10 academic year is $1,698/student (coverage period from 7/1/09-6/30/10); $1,414 for first-year students' (coverage from 8/31/09-6/30/10). You must enroll new dependent children within 30 days after the birth by completing the dependent form.

Student medical insurance information is available through the Office of Student Services.  You may print or view the insurance information (medical, dental, and vision) and the links are provided for the Preferred Provider Network, UnitedHealthcare Network Pharmacy (Medco) and the Guardian Life Insurance Company. Students can also access their claims information by creating My Account on the United Healthcare website.

The Institution's health plan through UnitedHealthcare Student Resources covers expenses incurred from injury or sickness.  The preferred provider (in network) has a $250 deductible per person/$500 deductible per family per policy year; after the deductible is met the insurance company pays 90% of the preferred allowance; when a non-network provider is used the insurance pays 70% unless noted otherwise in the benefit summary.  Please refer to the medical benefits summary for more coverages. The exclusions and limitations are listed on pgs 11-13.

The other of pocket maximum in network is $1,250 per individual or $2,500 per family.  The out of network out of pocket maximum is $1,500 per individual or $3,000 per family.

A complete listing of UnitedHealthcare providers is available at www.uhc.com/findaphysician.htm.

If a student is covered by another medical plan and that plan expires while the student is enrolled, the student is required to enroll in the Institution's plan for the remainder of the year.  If your coverage will expire during the academic year, you may still waive the Institution's plan initially (during the standard registration period).  Then, at least 30 days before your current coverage is scheduled to expire, please email Jan Divoky for instructions about enrolling in the school's medical insurance.  Further information about pro-rating will be provided at that time.  

Refunds of premiums are allowed only upon entry into the armed forces.

Claim Procedures

Medical claims are processed by UnitedHealthcare Student Resources and should be submitted to PO Box 809025, Dallas, Texas, 75380-9025. Preferred providers should file claims within 30 days of injury or first treatment of a sickness. Bills should be received by the Company within 90 days of service. Bills submitted after one year will not be considered for payment except in the absence of legal capacity. Inquiries made to 1-800-767-0700 or email at info@uhcsr.com. 

Prescription Plan

Prescription benefits are available for outpatient prescription drugs on the prescription drug list (PDL) when dispensed by a UnitedHealthcare Network Pharmacy. Benefits are subject to supply limits (up to 31 days) and copayments that vary depending on which tier of the PDL the outpatient drug is listed. You are responsible for paying the applicable copayments. Your copayment is determined by the tier to which the prescription drug is assigned on the PDL. Please access www.uhcsr.com or call 1-800-767-0700 or the customer service number on your ID card fo rthe most up-to-date tier status.

$10 per prescription order or refill for a Tier 1 Prescription Drug
$20 per prescription order or refill for a Tier 2 Prescription Drug
$40 per prescription order or refill for a Tier 3 Prescription Drug

Please present your ID card to the network pharmacy when the prescription is filled. If you do not use a network pharmacy, you will be responsible for paying the full cost for the prescription. If you do not present the card, you will need to pay the prescription and then submit a reimbursement form for prescirption filled at a network pharmacy along with the paid receipt in order to be reimbursed.

The annual maximum benefit for prescriptions is $3,500.

For a complete list of UnitedHealthcare Network Pharmacies go to: 

https://host1.medcohealth.com/medco/consumer/mybenefits/pl.jsp?emtype=ERS.

Dental Plan - Policy #349933

Basic dental coverage through the Guardian has an annual premium (coverage period from 7/1/09-6/30/10) of $113.64/student per year, $224.04/student & spouse, $438.84/student & family; for first-year students' (coverage period from 08/31/09-6/30/10) the premium is $95.40/student, $187.30/student & spouse, $366.88/student & family, that includes two preventive care visits per year (preventive care includes cleaning, x-ray and consultation). For preventive care visits there is no deductible or copay for services in the Guardian Network. Discounts are available for basic care (basic care includes fillings, amalgam, silicate and acrylic, root canals, pulp capping and oral surgery) and major services (major services include crown, inlays, dentures and bridgework) from Guardian network providers.

Vision Plan - Policy #349933

Basic vision coverage through Guardian's affiliate Vision Service Plan (VSP) has an annual premium (coverage period from 7/1/09-6/30/10) of $24.36/student per year, $51.96/student & family; for first-year students' (coverage period from 8/31/08-6/30/09) $20.37/student, $43.44/student & family, that provides one eye examination each 12 months with a $10.00 co-payment and a 20% discount on frames and lenses. Coverage does not include discounts on contact lenses. Eye examinations performed by non-VSP providers are subject to a $10.00 co-payment and reimbursement of not more than $34.00 for the eye examination. There are no discounts for frames or lenses or fitting of contact lenses from non-VSP providers.

The Guardian and VSP providers are located throughout Ohio and other states. A complete listing of the national Guardian and VSP providers is available at www.guardianlife.com.

Life and Disability Insurance

All students are required to carry the Institution's Life and Disability insurance through The Guardian of New York. First year students are required to complete the Guardian enrollment form and submit to Student Services. The yearly premium is $80.00 per student; first-year students' premium from 8/31/09-6/30/09 is $66.792.  See link below for details of the benefits.

Premium Payment

The Accounting Office will bill students for medical, dental, vision, life and disability insurance. For fall semester you will be billed for 1/2 of the annual premium for medical and the entire annual premium for dental, vision, life and disability. For spring semeter you will be billed for the other 1/2 of the annual premium for medical insurance. For those students who enroll mid-semester, the Accounting Office will bill your student account and send you an email indicating the amount and due date of the premium.

Insurance forms (online or PDF) may be accessed below:

Medical Online Enrollment

Medical Online Waiver

Dental, Vision, Term Life and Disability Insurance Form

• Medical Benefit and Cost Summary
• Dental Benefit and Cost Summary
• Vision Benefit and Cost Summary
• Basic Life Insurance Benefit and Cost Summary
• Long Term Disability Benefit and Cost Summary

Summary of Coverage Periods and Premiums