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:
- Go to Ameritas
- Select "Print ID Card"
2013-2014 Medical, Pharmacy and Dental Coverage
Spring/Summer 2014 Enrollment Update:Enrollment for the UNL Healthy Option Student Plan for the Spring/Summer 2014 enrollment period is available online now. Log onto your MyRED account and look for "Health Insurance" under "Additional Services." If you need to enroll a spouse or dependent(s) on the plan, stop by the University Health Center's Insurance Coordinator's office.
The University of Nebraska–Lincoln works with Aetna Student Health and Ameritas Group Dental, a division of Ameritas Life Insurance Corp., to offer a medical, prescription and dental insurance plan available for students who attend UNL. 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 does not:
- Cover services provided at the UHC because it is out of network
- Provide coverage because of a decrease in credit hours
- Provide coverage because of age restrictions
- Provide adequate benefits
Why the Healthy Option Student Plan?
- Provides health, prescription and dental insurance under one plan and one premium
- Covered University Health Center (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 coverage
- Includes two healthy mouth check-ups at the UHC Dental Office
|Aetna Medical Plan Highlights|
|Aggregate Maximum||$500,000 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.|
80% of the Negotiated Charge for the first $9,750 of Covered Medical Expenses; 100% thereafter.
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.|
|Aetna Pharmacy Coverage Highlights||Prescription Drug - $500,000 per Policy Year maximum||In-Network Care
100% of Negotiated Charge after a $10 per 30-day supply Generic Drug fill and $25 per 30-day Brand Name Drug fill.
100% of Reasonable Charge after a $10 per 30-day supply Generic Drug fill and $25 per 30-day Brand Name Drug fill.
|Mail Order – up to 90 day supply - 2.5 Copayments|
|Contraceptive coverage at 100% except for when filling Brand Name drugs that have a Generic equivalent. Please Note: You are required to pay in full at the time of service for all prescriptions dispensed at an out-of-network pharmacy.|
|The UHC Pharmacy is an in-network pharmacy with Aetna and offers you the best and most convenient prescription services. The UHC Pharmacy is located inside the Health Center at 1500 U Street.|
|Ameritas 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 benefits with this insurance plan. 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|
(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)|
UNL Healthy Option Student Plan Enrollment - Getting StartedWho 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, pharmacy and dental 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) 472-7435 or emailing firstname.lastname@example.org.
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.
|Fall (8/14/13 - 12/31/13)||Spring/Summer (1/1/14 - 8/13/14)|
|Graduate Assistant Portion||$142||$226|
Insurance Waiver Deadlines
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.
Please Note: Waiver applications will be available beginning on December 1, 2013.
Questions? - How to Reach Us
Aetna Student Health
UHC Medical Insurance Contact:
UNL Healthy Option (email@example.com)
Ameritas Group Dental
UNL Dental Insurance Contact:
Sue Heng (firstname.lastname@example.org)
402-472-5000 (medical clinic appts)
402-472-7495 (dental appts)
UNL Pharmacy Program Contact: