Student Insurance FAQs
MANDATORY REQUIREMENT AND PLAN ELIGIBILITY
What's new about the Health Insurance Plan for Students (“UD Plan”) process and procedures this year that all students should know?
Beginning with the 2013-2014 policy year, depending on the student’s status, they may either: (1) be required to buy the UD Plan or complete a waiver form; or (2) be able to buy the UD Plan on a voluntary basis. All matriculated students and all post docs are eligible to purchase the UD Plan.
Insurance coverage is a mandatory requirement for the following matriculated students. These students must either purchase the UD Plan or complete an online Waiver Form providing detail about their other comparable insurance.
- Undergraduate students registered for 12+ credits
- Contracted graduate students
- Non-contracted graduate students registered for 9+ credits
- Registered international students on F1 or J1 visas
Students listed above will be charged for the UD Plan in two installments ($676 in Fall 2013 and $797 in Spring 2014) and automatically enrolled in the UD Plan after the waiver deadline with coverage going back to August 15, 2013.
Many students are covered under their parents’ plans or have individual policies and, additionally, do not want the UD Plan as a supplement. If this is the case, then a Waiver Form must be completed by the student or parent online by September 10, 2013, to opt out of the UD Plan and avoid unnecessary charges on their UD bill.
Any Mandatory Student who has not completed a Waiver Form by the deadline and still has a status listed above for the Spring 2014 semester will remain enrolled in the UD Plan from August 15, 2013, through August 14, 2014, and will be held responsible for the associated premium charges on their UD bills.
Voluntary Students and Post Docs
Part-time domestic undergraduate students, part-time non-contracted graduate students, and all post-doctoral fellows may purchase coverage on a voluntary basis at specific times during the year. See the brochure for details on applicable enrollment periods, deadlines and coverage dates.
What is the Waiver Deadline?
The deadline for Fall 2013 Mandatory Students to complete the Waiver Form is September 10, 2013. Please be aware that this is a very strict deadline.
How do I find the Waiver Form or the Enrollment Forms?
Go to www.universityhealthplans.com/intro/UDel.html, select the category that applies, and the Waiver and/or Enrollment Form links will appear on the left side of the next page.
I keep seeing references to “Mandatory” or “Voluntary” students. What does this mean?
Beginning with the 2013-2014 policy year, all matriculated students are divided into two categories with respect to the UD Plan.
Mandatory Students are undergraduate students registered for 12+ credits, all contracted graduate students, non-contracted graduate students registered for 9+ credits, and all registered F1 or J1 visa holders.
Voluntary Students are domestic or non-F1/J1 students that are undergraduates taking less than 12 credits or non-contracted graduate students taking less than 9 credits.
WAIVER AND ENROLLMENT
What if my insurance card only lists my parent's name?
You should upload a copy of that card with your waiver form, as long as you are covered by the policy for which the card represents.
What is the Waiver Deadline?
The deadline for Mandatory Students to confirm they have other Insurance Coverage by completing the Waiver Form is by the drop/add period. September 10, 2013. Please be aware that this is a very strict deadline. Once you submit the waiver in Fall you are automatically waived for the Spring 2014 semester.
The deadline for Mandatory Students for Spring 2014 admits to confirm they have Insurance Coverage by completing the Waiver Form is by the Spring drop/add period. February 24, 2014. Please be aware that this is a very strict deadline.
How do I find the Waiver Form or the Enrollment Forms?
Go to www.universityhealthplans.com/intro/UDel.html, select the category that you fit, and the Waiver and/or Enrollment Form links will appear on the left side of the next page.
I’m a Mandatory Student. What if I have insurance but do not fill out a Waiver Form?
Fall 2013 Mandatory Students:
If you do not submit a Waiver Form by September 10, 2013 you are responsible for the premium charges on your fall and spring UD bills. You will have been enrolled into the UD Plan with coverage from August 15, 2013-August 14, 2014.
New Admits/Mandatory Students in Spring 2014:
If you do not submit a Waiver Form by February 24, 2014 you are responsible for the premium charges on your spring UD bill. You will have been enrolled into the UD Plan with coverage February 1, 2014-August 14, 2014.
How do I know if my coverage is comparable to the Health Insurance Plan for Students?
Please visit the University Health Plans website and read the waiver requirements. In determining if your plan is comparable and accessible in the UD area, you may need to contact your insurance plan provider to ask questions about your coverage including whether there are any changes to your benefits that you should know about while you’re at school.
Why should I complete the Mandatory Student Enrollment Form if I’m being automatically enrolled?
After the waiver deadline of September 10, 2013, UD will supply enrollment data to University Health Plans (UHP) for all students required to have coverage who have not completed a Waiver Form or Enrollment Form. Their coverage will be backdated to 8/15/13 and their cards will start arriving in late-September or early-October. Before their information is processed in the insurance plan systems in September, they will appear to have no coverage should a doctor’s office or hospital try to contact University Health Plans or Consolidated Health Plans (CHP) for confirmation of benefits.
To expedite the enrollment process, students are given the opportunity to complete an online Enrollment Form prior to the waiver deadline. Students who complete the Enrollment Form will be added to UHP and CHPs systems earlier than those students who do not complete either form. This will help the student to more easily access their insurance coverage, avoid eligibility issues at doctor’s appointments, access prescription benefits at the UD Dispensary without complication, and receive an early insurance card.
I’m a Voluntary Student or Post-Doctoral Fellow. Can I buy the UD Plan even though I’m not required to or being automatically enrolled?
Yes. Part-time undergraduate students, part-time non-contracted graduate students, and all post-doctoral fellows may purchase coverage on a voluntary basis at specific times during the year. See the brochure for details on applicable enrollment periods, deadlines and coverage dates.
I just submitted an online Enrollment Form. How soon will I be in the system and when will I receive my card?
UHP will begin to process Enrollment Forms at the end of July 2013. The first batch of cards will start arriving to students around 8/15/13.
After that, once you complete an Enrollment Form online, your data will show up in CHP’s system about 5-7 business days. Your card will arrive about 10 business days after you submit the online Enrollment Form.
I am a Voluntary Student or Post-Doc Fellow and need to pay UHP directly. Can I pay by check or money order?
Yes. There is a paper version of the Voluntary Student, Post-Doctoral Fellows, and Dependent Enrollment Forms available on UHP’s website year round so these enrollment requests can be submitted with a check or money order. Please note that though the form may be available year round, the enrollment periods are not open year round. Please refer to the brochure for details on when you can enroll. Should you have questions, please contact UHP.
I am enrolling in or am already enrolled in the UD Plan. Can I add my dependents?
All students who are enrolling in the UD plan may also add their eligible dependents at the start of that plan year by completing the Dependent Enrollment Form during appropriate enrollment periods. Please refer to the brochure for details on those enrollment periods. The Dependent Enrollment Form is a separate from the Student Enrollment Form. The Dependent Enrollment Form and required payment can be submitted online (with a credit card) or through the mail (with a check or money order). The Dependent Enrollment Form can be found on UHP’s website.
Post Docs enroll and pay for themselves and their dependents as part of one Post Doc Enrollment Form.
Students and Post Docs who are already enrolled in the UD plan and need to add a dependent due to a qualifying event (birth, adoption, marriage, entry into U.S., or loss of other coverage) must contact UHP immediately as there is a limited amount of time after the event to submit the enrollment request.
UHP will determine if the dependent is eligible to be added to the plan and, if so, will give you instructions regarding what you need to send in, how much the premium will be, when the coverage will start, and how long you have to enroll. Because late enrollments cannot be accepted, it is imperative that you contact UHP as soon as you know about your dependent’s qualifying event date.
I am not currently enrolled in the UD Plan and have lost my other coverage. Can I enroll in the UD plan now?
If you discover that you have lost your other coverage or know that you will be losing your other coverage, you must contact UHP immediately.
You have a limited amount of time after your other insurance plan ends to possibly enroll in the UD plan. UHP will need to know the exact date that your coverage ended or will be ending and you’ll need to submit proof of that date as part of your enrollment packet. As such, you may need to contact your insurance company to ask for this information and that they send you supporting documentation that you can use when applying for the UD plan.
UHP will determine if you are eligible to enroll due to your loss of coverage and, if so, will give you instructions regarding what you need to send in, how much the premium will be, when your coverage will start, and how long you have to enroll. Because late enrollments cannot be accepted, it is imperative that you contact UHP as soon as you find out about your loss of other coverage.
I was enrolled as a Mandatory Student in the Fall 2013 semester but switched to Voluntary Student status for the Spring 2014. Can I still be insured for the Spring semester?
Yes. If you have a status change between the Fall and Spring semesters, contact UHP to get instructions for completing a Status Change Form. The deadline for completing that form will be February 28, 2014.
The UD Plan doesn’t cover dental or vision services. Are there a dental or vision plan available to purchase?
Yes, there is a Delta Dental PPO Dental Plan and a VSP Vision Care Plan available. They must be purchased on a voluntary basis during open enrollment periods. Enrollment in the UD Plan is not required to purchase either the dental or vision plan. Please see UHP’s website for more details.
I will become a Mandatory Student in the Spring semester but am going to take a class during the Winter session. Can I add coverage for the month of January 2014 to my plan?
You may be able to add coverage for the month of January 2014. Please contact the UD Office of Risk Management for details.
I will be a new Mandatory Student in Fall 2014 but will be taking a class during Summer 2014. Can I buy coverage for the summer prior to when my Mandatory Student plan is expected to begin?
Yes, if you are will be a new Fall 2014 student and will be taking a class during the preceding summer, you can purchase the Summer 2014 coverage as a Voluntary Student. Please note that contracted graduate students will not pay a subsidized premium for summer coverage. Refer to the brochure on UHP’s website for details on coverage dates and applicable deadlines.
When does the Health Insurance Plan for Students coverage start and end?
Mandatory Students: Coverage for all insured students enrolled for the Fall Semester, will become effective at 12:01 a.m. on August 15, 2013, and will terminate at 12:01 a.m. on August 15, 2014, except for students who become ineligible for the spring semester. If a student becomes ineligible to be enrolled as a Mandatory Student for the spring semester, their plan will terminate at 12:01 a.m. on February 1, 2014, as will their dependents’ coverage (if applicable). Should that happen, UHP will provide a refund check to the student for the spring dependent premium unless they have switched to Voluntary Student status and submitted payment for the Spring Student premium through a Status Change Form.
New Spring Semester Mandatory Students: Coverage for all insured students enrolled for the Spring Semester, will become effective at 12:01 a.m. on February 1, 2014, and will terminate at 12:01 a.m. on August 15, 2014.
Voluntary Students and Post-Doctoral Fellows: There are various open enrollment periods available for these students and post docs throughout the year. These students and post docs will be enrolled through 12:01 a.m. on August 15, 2014. However, the effective date for each person’s plan is dependent upon which coverage period is selected and when the Enrollment Form and premium are received by UHP. Please refer to the brochure for details.
Insured Dependents: The dependent enrollment information is located here. Dependents are not automatically enrolled; they are enrolled voluntarily through the University Health Plans website. Coverage will become effective on the same date the insured student’s coverage becomes effective as long as payment is received by UHP as described by the enrollment guidelines. Coverage for insured dependents terminates when the covered student’s plan terminates.
Early Start Students: New Fall 2014 students who are taking a course during the Summer of 2014 can purchase Summer coverage as a Voluntary Student. There are two summer enrollment periods (two different effective dates). These students will be enrolled through 12:01 a.m. on August 15, 2014. Please refer to the June and July enrollment information in the Voluntary Students section of the brochure for more details.
I enrolled in the UD Plan but took a Medical Leave of Absence shortly thereafter. What will happen to my UD Plan? Can I keep or extend my coverage?
The answer depends on when your UD Plan became effective and when you started your official Medical Leave of Absence. Please contact UHP immediately to discuss your situation as there may be strict deadlines that apply.
COVERAGE AND CLAIMS
What companies are involved in the University of Delaware Health Insurance Plan for Students?
• The insurance company is Nationwide Life Insurance Company.
• The claims administrator is Consolidated Health Plans.
• The broker/ plan manager is University Health Plans.
• The network of preferred providers used by the plan is Multiplan.
When speaking with a medical provider, please let them know that your plan uses Multiplan as its network of preferred providers and bills should be sent to Consolidated Health Plans, 2077 Roosevelt Ave., Springfield, MA 01104. Multiplan is the only name your medical provider will recognize if they participate with the network.
What is the difference between University Health Plans and Consolidated Health Plans?
Consolidated Health Plans (CHP) is the claims administrator for our health insurance plan. CHP is responsible for answering questions about insurance benefits, claims and providing replacement ID cards. If you have any questions for CHP, please email email@example.com or call 800-633-7867.
University Health Plans (UHP) is the broker/plan manager who handles the enrollment process and collection of waiver forms for the school health insurance plan. Please email UHP at firstname.lastname@example.org or call 800-437-6448 if you have any questions about your enrollment or if you experience customer service issues with CHP.
What does the Health Insurance Plan for Students cover?
Last year there was a Blue Plan and a Blue & Gold Plan option with different maximum benefits. What happened to those?
Beginning with the 2013-2014 policy year, there is no longer a Blue Plan or Blue & Gold Plan. Starting August 15, 2013, the UD Plan has only one plan with a maximum of $2 million per policy year (all conditions combined).
Do I need to get a referral before receiving treatment?No, the UD Plan does not require any referrals.
Do I have to seek treatment within a specific network?No. The plan allows you to receive treatment from any doctor or hospital regardless of their network affiliation as the UD Plan pays a percentage of the Usual and Customary charges for covered services. However, providers that are outside of the Multiplan network have no obligation to charge only what is Usual and Customary. This means your out of pocket costs for services received outside of the Multiplan network may be more. Additionally, providers who do not participate in your plan’s network may not be willing to submit bills to CHP for you which means you could have to pay out of pocket and submit to CHP for processing and possible reimbursement (according to the plan benefits, limitations and exclusions).
Can I look up Multiplan providers online?Yes, you can search the network by going to UHP’s website. Once you get to the page for your category (Mandatory Student, Voluntary Student, or Post Doc), click on the “Find a Provider” link on the left side. The logo associated with your plan is the Multiplan logo which can be selected in the “Front of Card” section of the provider search website.
Where can I find more information on the University of Delaware Health Insurance Plan for Students?UD contracts with a third-party vendor, University Health Plans, Inc., to provide this plan. Visit University Health Plans UD page for detailed information about the plan.
Is the health care provided by the University of Delaware enough?
UD Plan meets the Affordable Care Act (ACA) requirement for 2013-2014 student plans. However, other ACA-compliant plans will be required to have no annual dollar limit starting January 1, 2014, while the UD Plan (being a student plan) will be allowed to have a $2 million dollar annual limit through the end of the policy year (August 14, 2013). Please refer to the Health Insurance Plan for Students Pamphlet for a more detailed explanation.
Please understand that not all “ACA-compliant” plans are the same. There is no requirement that applies to how high a copay deductible can be; how low the coinsurance can be; what coverage can be accessed outside of certain home areas (such as with many HMO plans); or if there is a limit to your out-of-pocket expenses.
Deciding if the UD Plan or another comparable plan (click here for details on what is comparable) is “enough” is a personal decision. When making an insurance decision, please consider more than the initial premium cost, such as the potential for out of pocket costs should a minor or major condition need treatment.
I have a doctor’s appointment and but don’t have a card. What do I do?
Prior to the waiver deadline, the only Mandatory Students that will show as “active” in the insurance plan systems are those who have already completed the online Enrollment Form. All Mandatory Student enrollment is expected to be submitted to UHP by the end of month in which the waiver deadline falls. Additionally Voluntary Students, Post Docs, and Dependents must submit all enrollment requests and payments to UHP.
Once UHP receives any type of enrollment (online, by mail, or from UD), please allow about 5-7 business days to show in CHP’s system and about 7-10 business days to receive a card.
When active coverage shows in CHP’s system, the member can go to CHP’s website to print a temporary card. Once on that page, scroll to the bottom , submit the “Student No.” (i.e. UDel ID number) and the student or post doc’s date of birth, and click “Request ID Card”. On the next page, look for “Click here for a printable version of your ID Card.” By clicking on that link, you will be given a one page PDF with a front and back copy of your card.
If you completed your enrollment form but are not yet in CHP’s system, you can:
- See if the provider would still be willing to send the bills to your insurance . They can use your UDel ID as a temporary medical ID number and can send the bill with the group number or group name (S204197 or University of Delaware) to Consolidated Health Plans, 2077 Roosevelt Ave., Springfield, MA 01104. At first the claim may be denied because you will not be in the system but, once you’re in the system again, you can ask that CHP reprocess the claim.
- See if the provider will set you up as “self-pay” so the bill is mailed to your home, which will buy you some time to get into CHP’s system. Then call the provider with your insurance information once you’re in CHP’s system so the bill can be sent through your insurance plan instead.
- If your provider is not willing to do either of those, you may have to pay out of pocket and then submit for reimbursement once you’re active in CHP’s system.
If you believe it’s been over 7 business days since UHP received your enrollment information and you still cannot print a temporary card from CHP’s website, please contact UHP.
What do I do if I need to pick up a prescription drug but don’t have my card or am not in CHP’s system yet?
With one exception*, all prescriptions must be paid for out of pocket at the time of pick up and submitted to CHP for reimbursement, therefore it doesn’t matter if you have a card or are showing as active at that moment in CHP’s system. If you will be covered by the UD Plan on the day you fill your prescription, you can submit those claims to CHP for processing and possible reimbursement (according to plan benefits, limitations and exclusions).
* Students who have a prescription written by a SHS physician and are able to fill it at the UD Dispensary do not need to submit for reimbursement to CHP if they are showing as active in, at least, UHP’s system. The UD Dispensary staff simply confirms the active coverage and charges the student for the 20% patient responsibility. There is no applicable deductible in this case.
What is the process to submit a claim form to CHP for my condition?
Claims for the University of Delaware Health Insurance Plan for Students are processed by Consolidated Health Plans, the claims administrator. One Claim Form is required for each condition being treated each policy year.
• You may file your claim electronically here.
Your Consolidated Health Plans login information can be found on the letter that comes with your insurance card. If you need a new login, contact Consolidated Health Plans Customer Service at (800) 633-7867 or email at email@example.com.
• You may also file a paper claim using this form.
I paid for a prescription and need to submit for reimbursement. How do I do that?
Print and complete a claim form with information related to the prescription. Submit that claim form along with a copy of the detailed receipt (that is usually attached to the prescription bag) to CHP. The receipt must indicate the drug name, dosage, quantity, prescribing doctor, member’s name and amount paid.
I have an old medical bill or prescription reimbursement to submit to CHP. How much time do I have?
CHP must receive all necessary documents to process your claim within 15 months of the date of service or prescription fill date.
It’s been over 10 business days since UHP received my enrollment info and I still don’t have my card, or I received my card but lost it. How can I get another card?
You can request a new card by submitting a request on CHP’s website at https://consolidatedhealthplan.com/about/contact_information. You can also call CHP at 800-633-78-67 or UHP at 800-437-6448.
How will I know my waiver has been processed?
The University will allow students/families to submit waivers in June of each year, approximately 1 month prior to the first billing of the Fall semester (second week of July). If you have successfully submitted your waiver you will see the following on your first billing of each semester:
Mandatory Medical Insurance 2013 Fall $676.00
Waiver-Mandatory Medical Ins 2013 Fall ($676.00)
Mandatory Medical Insurance 2014 Spring $797.00
Waiver-Mandatory Medical Ins 2014 Fall ($797.00)
All waivers submitted prior to July 10th will be reflected. Please allow up to 4 business days for waivers to be reflected if submitted after the first billing cycle.
How is this new Health Insurance charge related to the Student Health fee that appears on my bill?
These are separate fees that full-time students are assessed separately. Only the Health Insurance Plan for Students is eligible to have a waiver submitted. The Health Service Fee is not eligible to be waived.
The Health Service Fee is a mandatory fee charged to all full-time (9+ credits for graduate and 12+ credits for undergraduate) students entitling those students to use UD’s on-campus physical and mental health services. Student Health Services, located in Laurel Hall on the South Green, is an ambulatory care center that provides a full range of primary care, treatment, and referral services, as well as related health education programs. Most of the medical, mental health and health education services provided by SHS, the Center for Counseling and Student Development and the Student Wellness & Health Promotion Department are paid for by the semester or winter session health fee. This includes outpatient walk-in visits and appointments, some routine laboratory work, some immunizations, minor surgery and related non-operative orthopedics, inpatient (bed patient) care, gynecology services, psychiatric/counseling services, substance abuse counseling services, and health education programs.
The Health Insurance Plan for Students is a traditional health insurance plan intended to complement the Health Service fee. Most students already have insurance through their parent or have an individual plan and can waive the plan as explained throughout this website. Find details on enrollment and levels of coverage here.
I am a Mandatory Student. How will my UD Plan premium be paid?
Fall 2013 Mandatory Students:
All mandatory students will be assessed a charge of $676 for the Fall 2013 semester covering August 15, 2013-January 31, 2014 on their fall semester bill. Those who confirm coverage or fail to submit a Waiver Form* by the September 10, 2013 will be responsible for the charge. The remaining annual coverage from February 1, 2014-August 14, 2014 will be automatically charged $797 on the spring semester bill. Please be aware that there will not be an option to submit a Spring Waiver Form.
Spring 2014 Mandatory Students (Students admitted in Spring or whose status now makes them “Mandatory”):
The coverage from February 1, 2014-August 14, 2014 will be automatically charged ($797) on your spring semester bill Those who confirm coverage or fail to submit a Waiver Form* by the February 24, 2013 will be responsible for the charge.
*Any students whose waiver is accepted by the deadline will have a “Mandatory Medical Waiver” Credit reflected on their statement to offset the charge and not be enrolled in the plan.
Is it possible for contracted GRADUATE STUDENTS to have the cost for the plan deducted from their stipend?
Is it possible to pay for the UD plan in installments?
For all mandatory students, the University bills the annual fee in two semesters (Fall/Spring). In addition, the University offers an installment plan that allows you to divide all costs into 4 installments for a $50.00 fee per semester. You will automatically be presented this option when paying your student account. Refer to “How will my UD Plan premium be paid?” Please note the premium for Voluntary or dependent students must be paid directly to UHP through the UHP website.
What if I think the charge on my UD Bill is incorrect?
Please contact Student Financial Services at 302-831-2126 or firstname.lastname@example.org.