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HEALTH INSURANCE
Understanding Student Health Insurance
Kimberly Dalluge, Department Manager, Student Health Insurance
The university requires all students on campus be covered
by health insurance. To ensure this, one of the fees assessed
to students is enrollment in the Student Health Insurance Plan. The university recommends all students remain enrolled under the Student Health Insurance Plan during their years at the university. This plan is designed to meet the needs of full and part-time students. A brief outline is listed below:
1. Students can go to any doctor, any hospital, anywhere in the world. Most benefits are 80/20, paid at 80% of Usual and Customary charges. If the student chooses to go to
a UnitedHealthcare Options PPO network provider, they can receive discounts in addition to their 80%.
2. There are deductibles per insured person per plan
year for outpatient, inpatient and emergency room visits. For current rates please go to our website: si.illinois.edu.
3. Prescription drugs are covered when dispensed at most pharmacies (see UnitedHealthcare website for details (include URL) or at McKinley Health Center. Copays or coinsurance may vary based on the medication obtained.
If the student believes that their private medical plan is equivalent to the Student Health Insurance Plan, they may file to opt out of the University Plan. This can only be done during the Enrollment/Change Period. Check the Student Health Insurance website for dates and waiver application requirements. Waivers cover the semester during which they were submitted and are in effect continually through the end of that academic year. Below are questions students should consider before opting out for the waiver:
1. Is there a full-time student status requirement for coverage under your current health insurance? Many students may need to leave school for a time due to injury, illness, or another reason. With our plan, coverage is available for part-time or non-registered students who meet the Extension requirements.
2. Is the Urbana-Champaign area included within your health insurance carrier benefit coverage area? The Student Health Insurance Plan has worldwide coverage.
3. Does your current health insurance carrier provide out-of-area coverage only in case of emergency care? If so, how do they define an emergency?
4. To what age limit can students be covered under your
current health insurance plan? The Student Health Insurance Plan has no age limit.
Reinstatement: Ifastudenthaspreviouslywaivedthe Student Health Insurance plan, they do have the option to reinstate into the plan. There are typically two types of reinstatement and with either, approval is not guaranteed.
Change of Status Reinstatements
Students who wish to be reinstated to the plan must provide proof of loss of other health insurance coverage within 63 days of their loss of the insurance. The student must also be registered in a manner in which they are able to be assessed the Student Health Insurance Fee.
Limited Enrollment Reinstatement
Students who have not lost their other insurance, or if it has been more than 63 days from loss of health insurance coverage, can only apply during the Enrollment/Change Period for the semester in which the reinstatement is requested. The student must also be registered in a manner in which they are able to be assessed the Student Health Insurance fee.
Extension of coverage: Students who are not registered during a semester may elect to extend their coverage, provided they were registered and enrolled in the plan the previous semester and are returning the following semester. This can only be done during the Enrollment/Change Period.
It is the duty of the Student Health Insurance Office to ensure all students have the insurance coverage they need and to understand how it functions. Acting as liaison between the student body and the plan’s underwriter, UnitedHealthcare, our office is here to assist students through all insurance related processes.
Student Health Insurance Office McKinley Health Center
1109 S. Lincoln Ave.
Urbana, IL 61801-3620 217-333-0165
Email: insure@illinois.edu Website: si.illinois.edu
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union.illinois.edu/PFPO
union.illinois.edu/PFP O