Student health insurance enrollment for the spring and summer semesters is now open. The University of Nebraska offers UnitedHealthcare StudentResources as its health insurance plan.
Enrollment for student health insurance began Dec. 1 and will remain open until Feb. 4, 2018. Students who enroll in the UnitedHealthcare StudentResources plan will have coverage from Jan. 1, 2018, through July 31, 2018.
Students who are enrolled in six credit hours or more in any degree-seeking program are eligible for the UnitedHealthcare StudentResources plan.
Graduate students who are graduate assistants, degree-seeking master’s and doctoral students who are enrolled in one or two credits to complete their thesis or dissertation, as well as approved visiting scholars do not need to meet the credit hour minimum.
International students do not need to meet the credit hour minimum and are automatically enrolled in UnitedHealthcare StudentResources.
For the spring and summer semesters, the UnitedHealthcare StudentResources plan only costs $1,365.71 for students. The cost of health insurance is billed to the student’s Student Account and can be paid for with financial aid.
The UnitedHealthcare StudentResources plan comes with a $500 deductible and a total of $2,200 for out-of-pocket costs. The plan includes unlimited medical coverage, $1,000 of dental coverage, prescription coverage with copays starting at $5 and an eye exam up to $50.
The health insurance plan can be used anywhere in the United States that accepts United Healthcare.
“We like to encourage students to use the Health Center to maximize their benefits,” Cindy Pickinpaugh, UnitedHealthcare StudentResources student advocate, said.
The University Health Center waives the $500 deductible for students who are enrolled in the student health insurance. They also receive all labs, immunizations, X-rays, medical procedures, counseling services and physical therapy 100 percent covered through UHC, according to Pickinpaugh.
The Affordable Care Act created disadvantages for those without health insurance. They are taxed $695 or 2.5 percent of their annual income, according to Carmen Barth, UHC medical receptionist and billing and insurance specialist.
“It’s important to have health insurance in case something major comes up,” Barth said. “Sometimes you don’t expect for something to happen, like if you break your leg or you’re in an accident, health insurance is there to help you pay for those sorts of things.”
UHC will host a Student Insurance 101 event for students on Jan. 16 from noon to 1:30 p.m. and on Jan. 17 from 5:30-6:30 p.m. The events will be held in the conference room on the lower level of the Health Center.
Students who attend Student Insurance 101 will learn about the importance of having health insurance. They will also be informed about insurance terminology and the specifics of what the UnitedHealthcare StudentResources plan offers to students, according to UHC marketing strategist Aimee Grindstaff.
Students who are eligible for student health insurance can sign up through their MyRed account. Once logged into MyRed, students can select the profile tab and click on health insurance to sign up.
“Students don’t need the financial burden of medical expenses on top of having to study,” Pickinpaugh said. “Nobody plans to get sick. Nobody plans to have an accident. We want students to not have to worry about medical bills while they are here on campus.”