University of Delaware Student Health Insurance
STUDENT HEALTH INSURANCE PLAN OVERVIEW
The University believes student wellness is essential to academic progress and wants to ensure all students have health insurance coverage. Therefore, the University sponsors a Student Health Insurance Plan (UD Plan) that offers benefits for covered medical expenses at a relatively low cost for single students. Coverage is also available for a student's spouse, civil union spouse, and/or dependent children at an additional charge.
The UD Plan covers medical expenses not provided by the required Student Health Services Fee. Both are automatic charges that are intended to complement each other, but the UD Plan may be waived with a form as explained in the following section, "Mandatory Student Health Insurance Coverage."
Depending on the student’s status, he/she may either: (1) be required to buy the UD Plan or complete a waiver form (i.e. Mandatory Students); or (2) be able to buy the UD Plan on a voluntary basis (i.e. Voluntary Students and Post-Doctoral Fellows.)
The University’s 2014-2015 student health insurance provider is Highmark Blue Cross Blue Shield of Delaware, and the plan is administered by University Health Plans (UHP). Students may visit the plan website at www.universityhealthplans.com to view a full plan description, plan benefits, exclusions, limitations, and terms of coverage.
MANDATORY STUDENT HEALTH INSURANCE COVERAGE
The following students are required to have health insurance coverage. Students listed below are termed "mandatory."
- Undergraduate students registered for 12+ credits
- Contracted graduate students
- Non-contracted graduate students registered for 9+ credits
- International students on F1 or J1 visas
The University requires every mandatory student to review his/her current health insurance to ensure it meets University requirements. Mandatory students with plans that meet University requirements may waive the UD plan or purchase the UD plan as supplementary coverage.
If a student has no health insurance, or health insurance that does not meet University requirements, by the fall semester deadline, he/she is required to enroll into the UD plan and will be unable to waive. If a new spring student does not have health insurance or health insurance that does not meet University requirements by the spring semester deadline, he/she is required to enroll in the UD plan and will be unable to waive. In both cases, the applicable charge(s) will be placed on the student's account.
If a student plans to enroll in the UD Plan, he/she should complete an enrollment form at UHP's website: www.universityhealthplans.com. This way he/she will receive the insurance card and policy information much sooner than if he/she did not complete a form and was automatically enrolled.
If a student takes no action, (i.e. completes neither a waiver nor enrollment form), the student will be automatically enrolled in the plan and responsible for the charge(s) on his/her student account. The student will also receive his/her insurance card much later than if he/she were to complete an enrollment form.
Students can enroll into or waive out of the plan at www.universityhealthplans.com.
VOLUNTARY HEALTH INSURANCE
(PART-TIME STUDENTS AND POST DOCTORAL FELLOWS)
Matriculated part-time students and all post-doctoral fellows who do not fall into the mandatory student coverage requirements may still purchase coverage on a voluntary basis at specific times during the year for themselves and dependents. Visit the University Health Plans website at www.universityhealthplans.com for details on applicable enrollment periods, deadlines and coverage dates.
To access enrollment forms for optional coverage, visit www.universityhealthplans.com.