Printing Medical Insurance Card:

  • Go to Aetna Student Health
  • Type University of Nebraska-Lincoln in the "Find Your School" box
  • Select "Print ID Card"

Printing Dental Insurance Card:

Medical, Dental and UHC Pharmacy Coverage


The University of Nebraska-Lincoln partners with Aetna Student Health and Ameritas Group Dental, a division of Ameritas Life Insurance Corp., to offer medical and dental insurance plans as well as a pharmacy program available for students who attend the University of Nebraska-Lincoln. Coverage is also available for dependents. You may want to consider the student insurance policy if you have no insurance or if your current insurance policy will not:

  1. cover services provided at the UHC because it is out of network
  2. provide coverage because of a decrease in credit hours
  3. provide coverage because of age restrictions

Why the Healthy Option Student Plan?

  • Covered UHC services paid at 100% - including most laboratory; physical therapy; radiology; specialty; counseling and psychological services; and annual exam expenses
  • Eliminate worries about HMO or out of network coverages
  • Includes two healthy mouth check-ups at the UHC Dental Office
  • Exclusive pharmacy program for the UHC Pharmacy

What are the benefits of the Healthy Option Student Plan?

The following charts show how the UNL "Healthy Option" student plan pays for benefits for the major types of expenses. You can see the difference in your cost when you use preferred providers. Plan year is from August 14, 2012 to August 13, 2013.
Medical Plan Highlights
Aggregate Maximum $250,000 per Policy Year
Deductible $400 per insured per Policy Year; Covered medical expenses incurred at the UHC will be payable at 100% with waiver of the Policy Year Deductible.
Coinsurance Preferred Care
80% of the Negotiated Charge for the first $9,750 of Covered Medical Expenses; 100% thereafter.		 Non-Preferred Care
60% of the Reasonable Charge for the first $4,875 of Covered Medical Expenses, 100% thereafter.*
Please Note: The coinsurance reimbursement levels indicated above apply to treatment received outside the UHC and are not payable until the $400 Policy Year Deductible has been satisfied.
Coinsurance Maximum - $1,950 per insured, per Policy Year. (This coinsurance maximum does not include the $400 Policy Year Deductible.) *Your total out-of-pocket expenses may exceed the Coinsurance Maximum (plus Deductible) if you receive care from non-preferred providers.
Co-Pay - In addition to the Policy Year Deductible and Coinsurance Maximum, each insured person will be responsible for a $250 per emergency room visit co-pay amount and a $250 per inpatient admission co-pay amount. The co-pay normally does not apply to urgent care center charges.


Dental Plan Highlights
*When receiving a Preventive Procedure outside the University Health Center Dental Office, the coinsurance is 80% of the Maximum Allowable Benefit. The Maximum Allowable Benefit is the amount that University Health Center dentists have agreed to charge plan members for services. The $75 deductible is also applied to preventative care outside UHC.
**Basic procedures done outside the UHC are paid on a reduced payment schedule
NOTE: UHC Dental Office offers you the best service with this insurance plan. However, the UHC Dental Office does not offer pediatric dentistry services.
Coinsurance (Plan Pays) UHC Dental Office All Other Providers
Preventative Procedures 100% 80% *
Basic Procedures Payment Schedule** Payment Schedule
Deductible Amounts
Preventative Procedures $0
Basic Procedures
(Each Plan Year)		 $40 of allowable insurance payment
Preventative and Basic Procedures (Each Plan Year) $75
Maximum Plan Year Benefits
Preventative and Basic Procedures (Per Person) $500 $500
("Payment Schedule" means the Pre-Determined Allowance for each Covered Procedure)

Pharmacy Coverage

The Pharmacy Program has a $300 cap per enrollment period and is only available at the UHC Pharmacy. The UHC Pharmacy offers limited pediatric medications.
Patient Co-pay
Up to 30 day supply - generic $10
Up to 30 day supply - brand name $25
Up to 30 day supply - compounds $25
Oral Inhaler 1 co-pay per container
Nasal Sprays 1 co-pay per container
Topical Preparations 1 co-pay per container
Ear, rectal, vaginal and eye preparations 1 co-pay per container
Medication Coverage
Serotonin 5HT, receptor agonists limit 2 boxes per 30 days
Insulin, Humalog, Lantus, Novolog covered
Diabetic Supplies (syringes, lancets, test strips, etc.) covered by medical plan
Diabetic Devices (pumps, glucometers) covered by covered by medical plan

These are not covered by the program:

  • Cosmetic Enhancement (Propecia, Accutane)
  • Infertility
  • Erectile Dysfunction
  • Growth Stimulation
  • Immunization (Typhoid, Lariam, Aralen, Malarone, vaccinations)
  • Injectable Medications (other than insulin)
  • Smoking Cessation
  • Weight Loss
  • Over-the-counter medications
  • Prescriptions paid by other programs
  • Brand name when generic is available
  • Other drugs as determed by the pharmacy program


UNL Healthy Option Student Plan Enrollment - Getting Started

Who is Eligible for Coverage?

Your method of enrollment in the UNL "Healthy Option" student plan will depend on your course load and class status. PLEASE NOTE: All students enrolled for three or more credit hours at UNL and who have paid the Health Center Student Facility Fee, are eligible to purchase the plan. Unless a medical condition prohibits, students must actively attend class for at least the first 31 days after the date for which coverage is purchased. The three or more credit hour requirement does not apply to international students, graduate assistants, and masters and doctoral students enrolled in 1 or 2 credit hours for the purposes of completing thesis or dissertation graduation requirements.

How to Enroll

You can enroll online by going to your MyRED account.

Medical, dental and pharmacy coverage cannot be purchased separately.

It will not be necessary for Graduate Assistants or International Students (F1 and J1 Visa) to complete the enrollment process - the University will automatically enroll these students. Students who enroll in the plan may also insure their eligible dependents. Students who wish to enroll their eligible dependents must contact the UNL Student Insurance Coordinator by calling (402) 472-7507 or emailing bheiserman1@unl.edu.

Enrollment Forms are available if necessary at the University Health Center, 1500 U Street.

Please note: It is the student's responsibility to renew the insurance coverage and to verify their effective and termination dates on each policy anniversary.

You must re-enroll for each coverage period.

Premium Rates
Fall (8/14/12 - 12/31/12) Spring/Summer (1/1/13 - 8/13/13)
Student $642 $992
Spouse/Domestic Partner $2,073 $3,324
Each Child $1,045 $1,651
Graduate Assistant Portion $135 $208


Insurance Waiver Deadlines
International Students

This coverage is mandatory for International Students unless proof of comparable insurance coverage is presented, and a waiver is filed by the 14th day of classes. In the absence of a waiver, the insurance premium will be automatically placed on your Student Account Statement.

Graduate Assistants

Student insurance is provided as part of the University Graduate Assistant employment package. Non-participation in this program will require a completed waiver within 14 days of employment.

Questions? - How to Reach Us

Medical Insurance
Aetna Student Health
800-927-0812
www.aetnastudenthealth.com

UNL Medical Insurance Contact:
UNL Healthy Option
402-472-7507
Dental Insurance
Ameritas Group Dental
877-640-9494
www.ameritasgroup.com/students/

UNL Dental Insurance Contact:
Sue Heng
402-472-7402
University Health Center
402-472-5000 (medical clinic appts)
402-472-7495 (dental appts)


UNL Pharmacy Program Contact:
UHC Pharmacy
402-472-7457