Today is Tuesday, May. 31, 2016

Department of

UC Student Health Insurance

Policy Quick Reference for Single Student Coverage, 2015-16

Perks Associated with Coverage under Student Health Insurance (SHI)

University Health Services (UHS)

  • No charge for all primary care services (which extends far beyond preventive services)
  • Primary care includes x-rays, lab work (medically necessary), dermatology (1 exception), gynecology
  • No limit on primary care visits to UHS
  • UHS convenient; located in heart of campus
  • UHS staffed with pediatric, sports & family medicine physicians plus psychiatrists, psychologists and counselors many of whom are also parents treating UC students as they treat their own

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
    Informational, money-saving free workshop
  • Lowest premium & deductible compared to equivalent in individual market
  • Easy access to online claim status & explanations of benefits
  • Dental stand-alone policy available for purchase 

Policy Description

  • Major medical
  • Underwritten by United Healthcare Student Resources
  • In-network & out-of-network worldwide coverage
  • Highest metal-tier—platinum (90% in-network)
  • Affordable Care Act-compliant
  • Huge nationwide provider network (Find a Doctor)
  • Effective through breaks; spring coverage includes summer even for students who graduate

 

Costs

  • Premium
    $193.50/month when purchased for both fall & spring semesters but billed $1161 fall semester & $1161 spring semester (summer included with spring; no credit hour requirement or premium due)

  • Deductible
    $400 in-network, met one (1) time per plan year; $800 out-of-network

  • Prescription Benefit
    $15, $30, $60 for prescriptions****
    20% co-insurance* for prescriptions filled at outside pharmacy

  • ER
    $150 copay reduced to $50 if UHS physician called for approval prior to ER
    arrival & reduced to $0 (zero) if admitted to hospital, then 90% coverage in-network,10% co-insurance *


  • Out-of-Pocket Max.
    $3,750 in-network, $12,700 out-of-network

  • Lifetime Max.
    unlimited

  • Mental Health
    $7 - $8.50 (excluding ADHD evaluation) for PsyD, MD, LPCC-S

  • Non-UHS Services
    90% coverage in-network, 10% co-insurance *, **
    60% coverage out-of-network, 40% co-insurance***

* after $400 deductible has been met
** in-network & with UHS referral (referral not required when 50(+) miles from main campus)
*** after $800 deductible or without referral even when insured visits with in-network provider (referral not required when 50(+) miles from main campus)
**** obtained (in-house) at UHS

Key

SHI -Student Health Insurance
UHS-University Health Services
Max.-maximum

Policy Quick Reference for Single Student Coverage, 2015-16 (PDF)
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.