Academic Year 2013-2014 Premium Benefit for Graduate Students:
Medical, Dental, and Pharmacy Coverage

These questions and answers are designed to be a quick summary of The UNL Healthy Option Student Plan. Students should refer to the health insurance brochure or the dental insurance brochure if they have specific questions about insurance benefit provisions. Or they can call the Health Center's student health insurance coordinator at 402-472-7436 or 402-472-7509.

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What does this plan cover?

  • Your plan will pay for covered medical expenses for accidents or illnesses up to a total of $500,000 in the policy year (August 14, 2013 to August 13, 2014).
  • The annual deductible is $400 per insured per policy year.
  • When the Health Center fee via UPFF fees has been paid, covered medical expenses incurred at the University Health Center will be payable at 100% with waiver of the deductible. For treatment received outside the Health Center, covered preferred provider expenses are paid at 80% of the negotiated charge for the first $9,750 of covered medical expenses; 100% thereafter. Covered non-preferred provider expenses are paid at 60% of the reasonable charge for the first $4,875 of covered medical expenses; 100% thereafter.
  • Co-Pay: In addition to the policy year deductible and co-insurance maximum, each insured person will be responsible for a $250 emergency room visit co-pay amount and a $250 per inpatient admission co-pay amount; however, the per inpatient admission co-pay will be waived if you are admitted directly from the Emergency Room. The co-pay amount normally does not apply to urgent care center charges.
  • A Well Baby benefit of $250 per policy year has been added when your child is covered by this policy. Medical evacuation and repatriation benefits are included in this policy without additional cost.

What is the cost to insure myself?

  • The total cost of the insurance premium is $1754. Graduate assistants will contribute about 21% ($368) of the total annual cost of $1754.
  • The total premium cost for the first semester (August 14 to December 31) is $678; of that amount, the graduate assistant cost is $142 and the university-paid portion is $536. The total premium cost for the second semester and summer (January 1 to August 13) is $1076; of that amount, the graduate assistant cost is $226 and the university-paid portion is $850.
  • The student's cost for individual coverage will be posted to their student account. We encourage all students to participate in the program, because similar policies from other insurers are more costly plus covered medical expenses incurred at the University Health Center are fully paid with waiver of the policy year deductible. Your cost averages to about $0.93 a day and provides peace of mind allowing you to complete your coursework rather than jeopardize your academic career dealing with unexpected medical bills.

Can I insure my dependents?

  • Yes, dependents may be insured as long as the student's coverage remains in force. The annual premium cost for each child is $2962; the annual premium for a spouse or eligible domestic partner is $6034.
  • If you wish to insure dependents, you may sign up by stopping in at the University Health Center, Room 102.1. Enrollment is per fall semester and spring/summer semester. Premium may be paid with a U.S. check, money order, VISA or MasterCard.

What is the deadline to obtain insurance?

  • Enrollment completed prior to September 14, 2013, will be effective from August 14, 2013. Coverage for students who sign up at the Health Center after September 14, 2013, will be effective on the date the enrollment form is completed at the University Health Center. Please note that a graduate assistant who is hired late may not be eligible for either a tuition waiver benefit or the university-paid portion of the insurance benefit for the semester for the late start.

How do I get an enrollment form?

  • Enrollment forms are available at the University Health Center. However, graduate assistants or international students (F1 or J1 visa holders) should not fill out the enrollment form or sign up on your MyRED account to obtain the individual basic coverage. Dependents of students; however, will need to complete an Enrollment Form. Graduate Assistants and international students will be automatically enrolled.
  • Please note that it is not mandatory for U.S. domestic students to participate in the student health insurance program however, F1 or J1 Visa holding international students must participate unless they provide proof of comparable insurance and complete a waiver each semester by the published deadline. See Waiver Policy.

Who is eligible to buy this insurance?

  • All students enrolled in three or more credit hours at UNL and who have paid the University Health Center facility fee are eligible to purchase this plan.
  • Students who are enrolled for 7 or more credits during an academic semester will have paid the University Health Center fee as part of the Program and Facilities Fee (UPFF fees).
  • Students who are enrolled for fewer than 7 hours (including those who are certified as full-time) must pay the University Health Center fee (because it is not part of the University Program and Facilities Fee at the lower enrollment level) in order to use the University Health Center and file an Aetna Student Insurance claim.

What if I don't want the benefit?

  • To opt out of the plan requires completion of the Student Health Insurance Waiver Request Form by 09/06/2013 (Fall) or 01/24/2014 (Spring/Summer) otherwise a graduate assistant will be automatically enrolled in the plan and their student account will be charged.
  • To complete the waiver process, go to the UHC webpage and follow waiver instructions. The form must be filled out EACH semester by the published deadline.

Will I get an identification card to use?

  • Identification cards will not be mailed. You may print your identification card by going to Aetna Student Health any time after October 1. Access Aetna Navigator on the Nebraska page and follow the instructions for registering. Once registered, your identification card may be printed and you may also view your claims processing. Dental identification cards will be mailed to you by Ameritas, the dental insurance underwriter.

Where can an insured person receive medical care?

  • Students must receive a referral from the University Health Center before receiving outpatient services. Without a referral, such medical services are excluded from coverage. Dependents are not seen at the University Health Center so therefore dependents do not require a referral. In order to maximize savings and reduce out of pocket expense, dependents should choose an outpatient provider from the Preferred Provider listing available from Aetna and the University Health Center.

Is dental care covered?

  • Yes, dental care is a covered service. A Preventive/Basic policy package Underwritten by Ameritas has been added, covering up to $500 per year, with preventive treatment covered 100% with $0 deductible for treatment at the University Health Center and $40 deductible for basic services. Basic Services are paid per plan schedule.
  • Dental treatments received by providers other than University Health Center are subject to $75 deductible for all treatments and a lower plan schedule payment. You will receive the maximum benefit from your Dental coverage if you utilize the preferred providers located at the University Health Center Dental Office.
  • For more information about your dental coverage call Sue Heng at 402-472-7402.

Are prescriptions covered?

  • Yes, prescription drugs are covered by the Aetna Student Health Insurance Policy.  There is a $10 co-pay for a 30-day supply for generics and a $25 co-pay for a 30-day supply for brand-names.

What about vision care?

  • Insured persons are eligible for certain discounts under the Vision One program. Aetna's listing of services and providers is available online or by calling 1-800-927-0812.