Student Insurance Details

Student Health Insurance by UnitedHealthcare StudentResources

Academic Year 2017-2018 Premium Benefit

The University of Nebraska has partnered with UnitedHealthcare to offer UnitedHealthcare StudentResources: An affordable, convenient medical, mental health, dental and prescription insurance plan for students.

Complete Coverage Details How to Accept or Waive Coverage (graduate assistants and international students only) Health Insurance Cards Questions

Enrollment

Student insurance enrollment for the spring semester opens Dec. 1, 2017, and closes Feb. 4, 2018, at midnight.

  • International students and graduate assistants are automatically enrolled. Once the student insurance charges appear on your MyRed account, you must accept or waive the insurance. For more information, click here.
  • To enroll dependents, click here.
  • Domestic students can voluntarily enroll by:
    1. Logging into MyRed
    2. Selecting the Profile tab
    3. Clicking on Health Insurance

Basic Info

DESCRIPTION:

An ACA-compliant student insurance plan

ELIGIBILITY:

  • All students enrolled in six or more credit hours in a degree-seeking program
  • All degree-seeking international students, regardless of credit hour level. International students will be auto-enrolled, unless they provide proof of other coverage and sign a waiver.
  • The credit hour limit listed above will not apply to:
    1. Graduate assistants
    2. Degree-seeking master’s level graduate students enrolled in one or two credit hours for the purpose of completing their thesis
    3. Doctoral students enrolled in one or two credit hours for the purpose of completing their dissertation
    4. All visiting scholars if approved by the University
    5. All Intensive English Program students
    6. New degree-seeking student who starts in the summer will have a three-hour minimum credit hour requirement

PLAN ADMINISTRATION:

UnitedHealthcare StudentResources

COVERAGE:

Medical, Mental Health, Pharmacy and Dental

In-Network Deductibles, Coinsurance and Maximums

ANNUAL DEDUCTIBLE:

$500 per insured person per policy year
$1,000 for all insured in family

COINSURANCE:

80%/20%

ANNUAL OUT-OF-POCKET MAXIMUM:

$2,200 per person per policy year
$4,400 for all insured in family

ANNUAL AGGREGATE MAXIMUM BENEFIT:

Unlimited

In-Network Dental – Coinsurance and Maximums

COINSURANCE:

Diagnostic services (e.g., periodic oral evaluation): 100 percent coverage
Preventive services (e.g., prophylaxis/cleaning, preventive fluoride treatment): 100 percent coverage
Basic services (e.g., simple extractions, periodontics): 80/20
Major services (e.g., inlays/onlays/crowns): 30/70

MAXIMUM:

$1,000 per person per calendar year

Pharmacy Copays

NEBRASKA MEDICINE – UNIVERSITY HEALTH CENTER PHARMACY

Tier 1: $5
Tier 2: $30
Tier 3: $80

OTHER IN-NETWORK PHARMACIES

Tier 1: $10
Tier 2: $40
Tier 3: $80

For an explanation of tiers, please view the 2017-18 UnitedHealthcare StudentResources schedule of benefit summaries.

What's Covered

NEBRASKA MEDICINE – UNIVERSITY HEALTH CENTER SERVICES:

Most Medically necessary services are covered at 100 percent with no deductible or coinsurance

NON-HEALTH CENTER SERVICES:

Covered, subject to deductible and coinsurance

ROUTINE VISION EXAMS:

Covered at 100 percent at Nebraska Medicine – University Health Center and up to $50 for non-University Health Center providers; no coverage for contacts or glasses

ANNUAL DENTAL BENEFITS:

  • Two healthy mouth cleanings
  • Two exams
  • Two sets of bite wing X-rays per year

MEDICAL EVACUATION AND REPATRIATION COVERAGE:

Yes

Premiums

TOTAL ANNUAL STUDENT PREMIUM:

Fall: $986.05*; Spring/Summer: $1,365.71*
*School admin fee is $10 per covered person per enrollment period.

DEPENDENT COVERAGE:

Spouse – Fall: $972.46*; Spring/Summer: $1,346.90*
One Child – Fall: $979.65*; Spring/Summer: $1,356.86*
Two Or More Children – Fall: $1,885.75*; Spring/Summer: $2,611.10*
Spouse And Two or More Children – Fall: $2,862.20*; Spring/Summer: $3,964.21*
*School admin fee is $10 per covered person per enrollment period.

PREMIUM PAYMENT FREQUENCY:

Per semester

CAN STUDENTS USE RESIDUAL FINANCIAL AID TO PAY FOR THE PREMIUM BEFORE GETTING A FINANCIAL AID REFUND CHECK?

Yes

Dates and Enrollment

PLAN IMPLEMENTATION DATE:

Aug. 1, 2017

OPEN ENROLLMENT PERIOD FOR SPRING:

Dec. 1, 2017, through Feb. 4, 2017 at midnight

ENROLLMENT METHOD:

Graduate assistants and international students are automatically enrolled but must accept their coverage; other eligible undergraduate and graduate students enroll through MyRED

DATES OF COVERAGE:

Fall: Aug. 1 thru Dec. 31, 2017
Spring/Summer: Jan. 1 thru July 31, 2018

Student Insurance FAQs

Questions? Contact the UnitedHealthcare StudentResources campus representative:

CALL: 866.351.4262 or 866.416.2623
EMAIL: unebraskaadvocates@uhcsr.com