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INSURANCE

Student Health Insurance – In addition to payment of Fund B (as described below), UNMC requires that full-time students have inpatient (hospitalization) insurance. Full-time students who wish to waive/decline UNMC’s endorsed student health insurance program may do so by providing proof of coverage through their parents, spouse, employer or their own personal plan. If the student wishes to waive/decline the United Healthcare Student Insurance, they must fill out an electronic waiver form that can be found on their UNMC MyRecords account.

The waiver can be completed 14 - 21 days prior to the beginning of the student’s semester and up until 14 days after classes begin. Failure to complete the waiver will result in an automatic payment for insurance from the student’s tuition bill.  The student cost per month for the 2017-18 academic year is $190.36, which includes medicine, dental, and prescription coverage. 

Note that all Ph.D. students, regardless of enrollment status, must either accept the fee or file the paperwork to formally waive the charging of the insurance fee. 

Part-time students may also enroll in the health insurance program by contacting the Counseling and Student Development Center Office at 402-559-7276 during the first two weeks of the student’s semester. In order to participate in the student insurance plan, the part-time student must also pay the Fund B fee ($99.75 per semester) which entitles the student to use the outpatient Student Health Clinic facilities located on the third level of the Durham Outpatient Center. It is the responsibility of the part-time student to make arrangements each semester with the Student Counseling and Development Office in order to be billed for the United Healthcare Student Health Insurance and Fund B. 

Questions concerning the student insurance plan, procedures for filing claims and/or problems with the claims process may be directed to Patricia Oberlander, 402-559-7276, Bennett Hall, Room 6001. 

Dependent Insurance: The United Healthcare Plan does offer dependent insurance. If the student is interested in purchasing an insurance plan for their dependents, they may go ahead and enroll on the insurance Ascension Insurance Company website:  https://myaccount.ascensionins.com/StudentPortal?PolicyId=27875.  
 
Students who waive the University’s endorsed student health insurance plan through United Healthcare will not have their own personal insurance deductible waived since the University has no agreement with other companies. 

Emergency Room Services with United Healthcare:   
Students covered by the United Healthcare Student Insurance Plan are encouraged to use the Nebraska Medical Center Emergency Department (but only for an “Emergency Medical Condition”, otherwise United reserves the right to deny payment of the student’s bills). In order for United to waive the $500 deductible, students must call the UNMC Student Health Office within 48 hours to report their Emergency Room visit and to receive a referral. Students who use the Emergency Department on campus will be covered at 80% of Eligible Expenses; if an outside emergency room is used, the coverage will be at 80% if it is an in-network provider.  

Please Note:   students who use an emergency department other than the Nebraska Medical Center will be charged the $500 deductible before United will pay any of the student’s emergency room charges.  Students may file a claim form on the United website, https://www.uhcsr.com/unmc, or contact the Counseling & Student Development Center at 402-559-7276 for a claim form.

Please Note:  Follow-up emergency department care must be done in the Student Health Clinic if the student has their insurance plan through the United Healthcare Student Resources Plan.