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 preventive cleanings at the UHC Dental Office
• Exclusive pharmacy program for the UHC Pharmacy
• NEW! A well Baby benefit of $250 added for 2009-10

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, 2009 to August 13, 2010.

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)	$50 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.

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 WAM 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, 15th and U Streets.

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 (8/14/09 - 12/31/09)	Spring/Summer (1/1/10 - 8/13/10)
Student	$536	$827
Spouse/Domestic Partner	$1,723	$2,759
Each Child	$870	$1,373
Graduate Assistant Portion	$113	$174

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 (September 11, 2009 for Fall Semester 2009). 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.

Waiver deadline for the Spring Semester has passed. Check back later for the next waiver form dates.

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