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Department of

UC Student Health Insurance

Policy Quick Reference for Single Student Coverage, 2016-17

Student Health Insurance 2016-17 Policy Quick Reference for Single Student Coverage (PDF)

Perks Associated with Coverage under Student Health Insurance (SHI)

University Health Services (UHS)

  • No charge for all primary care only
    for those covered under UC’s SHI Plan
  • Primary care extends beyond preventive services to include women’s
    health, lab work (medically necessary), etc.
  • No limit on primary care visits to UHS
  • UHS convenient; located in heart of campus
  • Staffed with pediatric, sports & family medicine doctors plus psychiatrists, psychologists & counselors
  • Conveniently located in heart of campus

Student Health Insurance (SHI)

  • Immediate access to SHI customer service located across from UHS
  • Assistance with all insurance paperwork
    at your pace via phone, email, in-person
  • Lowest premium & deductible compared to equivalent in individual market
  • Easy access to online claim status & explanations of benefits
  • Dental & vision stand-alone policies available for purchase

Policy Highlights

  • Major medical
  • Underwritten by United Healthcare Student Resources
  • In-network & out-of-network worldwide coverage
  • High metal-tier—gold (80% in-network)
  • Affordable Care Act-compliant
  • Huge nationwide provider network (Find a Doctor)
  • Effective through breaks; spring coverage includes summer, even graduates

 

COMMON SERVICES & COSTS ASSOCIATED WITH THE SINGLE STUDENT SHI PLAN

  • Premium: $1140/semester ($190/month if purchased both fall & spring semesters; no additional premium for summer)
  • Lifetime Maximum:  none

 Benefits / Services  Annual
(per plan year)
Cost per Visit ****  UHS***  Non-UHS
Services
****
In-Network
Non-UHS
Services
****
Out of Network
 Co-Insurance  -  -  - 20%*  ***   40%**
 Deductible  Yes  -  -  $500 $800 
 ER  (“medical emergency”) -  Yes  N/A  $150 + 20%  $150  + 20%
Mental Health  Yes 20%  20%*  ***   40%**
 Out-of-Pocket Maximum Yes   -  - $5000   $12,700
 Physician’s Office Visit/Physiotherapy -  Yes N/A   $35 + 20%*** 40%** 
 Prescription  Yes  $15, $30, $60 20%*   20%*
 Preventive Care - N/A   no charge no charge   not covered
 Urgent Care  -  Yes  N/A 20%*  *** 40%** 
 Non-UHS Services  - Yes   - 20%*  ***  40%** 

*           after $500 deductible has been met
**         after $800 deductible has been met
***        with UHS referral
****      until out-of-pocket has been met (excluding “not covered”, “no charge”)

 Notes:
1- even if insured visits in-network facility/provider, without a referral coverage is 40%
2- if approval from UHS doctor is obtained prior to entering ER, $150 is reduced to $50; N/A if admitted
3- no referral necessary when the insured:
     is 50(+) miles from main campus, is out-of-network, receives ob/gyn or maternity care

Key
SHI - Student Health Insurance
UHS - University Health Services

Health Information

UC Student Health Insurance

Lindner Center, Suite 334
studins@ucmail.uc.edu

Phone (513) 556-6868
Fax (513) 556-6655

Office hours: 8:30 a.m. - 4:30 p.m.