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UC Student Health Insurance Exclusions and Limitations

The exclusions and limitations sections describes items which are excluded from coverage and not considered to be Covered Medical Expenses. Please see the certificate of coverage for a complete list.

No benefits will be paid for: a) loss or expense caused by, contributed to, or resulting from; or b) treatment, services or supplies for, at, or related to any of the following:

1. Acupuncture.

2. Cosmetic procedures. Cosmetic procedures are primarily intended to preserve, change, or improve the Insured Person’s appearance, including surgery or treatments to change the size, shape, or appearance of facial or body features (such as the Insured’s skin, nose, eyes, ears, cheeks, chin, chest, or breasts).COL-17-OH (PY21) CERT P3 (202) 31 This exclusion does not apply to:

  • Benefits specifically provided in the Policy for Reconstructive Procedures. 
  • Myocardial infarction.
  • Pulmonary embolism.
  • Thrombophlebitis.
  • Exacerbations of co-morbid conditions.

3. Custodial Care.

  • Care provided in: rest homes, health resorts, homes for the aged, halfway houses, college infirmaries or places mainly for domiciliary or Custodial Care.
  • Extended care in treatment or substance abuse facilities for domiciliary or Custodial Care.

4. Any dental treatment not specifically provided for in the Policy.

5. Elective Surgery or Elective Treatment.

6. Elective abortion. This exclusion does not apply to therapeutic abortions as specified under Maternity Benefits.

7. Examinations related to research screenings.

8. Foot care for the following:

  • Flat foot conditions. 
  • Supportive devices for the foot.
  • Subluxations of the foot.
  • Fallen arches. 
  • Weak feet.
  • Chronic foot strain.
  • Routine foot care including the care, cutting and removal of corns, calluses, toenails, and bunions (except capsular or bone surgery).

9. Health spa or similar facilities. Strengthening programs.

10. Hearing aids or exams to prescribe or fit them.

11. Hypnosis.

12. Injury or Sickness for which benefits are paid or payable under any Workers' Compensation or Occupational Disease Law or Act, or similar legislation.

13. Injury sustained from playing, practicing, traveling to or from, participating in, or conditioning for any intercollegiate sport for which benefits are paid or payable under a sports accident policy issued to the Policyholder, or for which coverage is provided by the National Collegiate Athletic Association (NCAA), the National Association of Intercollegiate Athletics (NAIA), or any other sports association.

14. Investigational services.

15. Marital counseling.

16. Direct participation in a riot or civil disobedience, nuclear explosion or nuclear accident. Commission of or attempt to commit a felony.

17. Physical exams and immunizations required for enrollment in any insurance program, as a condition of employment, or for licensing.

18. Prescription Drugs, services or supplies as follows: 

  • Therapeutic devices or appliances, including: hypodermic needles, syringes, support garments and other non
  • Medical substances, regardless of intended use, not specifically provided for in the Policy.
  • Immunization agents, except as specifically provided under Preventive Care Services.
  • Drugs labeled, “Caution - limited by federal law to investigational use” or experimental drugs. 
  • Products used for cosmetic purposes. 
  • Drugs used to treat or cure baldness. Anabolic steroids used for body building.
  • Anorectics - drugs used for the purpose of weight control.
  • Fertility agents or sexual enhancement drugs, such as Parlodel, Pergonal, Clomid, Profasi, Metrodin, Serophene, or Viagra.
  • Growth hormones.
  • Refills in excess of the number specified or dispensed after one (1) year of date of the prescription.

19. Reconstructive procedures, except as specifically provided in the benefits for Reconstructive Procedures.

20. Reproductive services for the following:

  • Cryopreservation of reproductive materials. Storage of reproductive materials. 
  • Fertility tests.
  • Infertility treatment (male or female), including any services or supplies rendered for the purpose or with the intent of inducing conception.
  • Impotence, organic or otherwise.
  • Reversal of sterilization procedures.COL-17-OH (PY21) CERT P3 (202) 32

21. When the Policyholder has a Student Health Center, services provided by the Student Health Center for which the Insured Person has no legal obligation to pay.

22. Naturopathic services.

23. Surgical treatment of gynecomastia.

24. Services provided by any Governmental unit, unless otherwise required by law or regulation.

25. War or any act of war, declared or undeclared; or while in the armed forces of any country (a pro-rata premium will be refunded upon request for such period not covered).

26. Weight management. Weight reduction. Nutrition programs. Treatment for obesity. Surgery for removal of excess skin or fat. This exclusion does not apply to benefits specifically provided in benefits for Preventive Care Services or Weight Management/Dietician.

Contact Us

UC Student Health Insuranc

studins@ucmail.uc.edu
Phone (513) 556-6868