Insurance Information

All full time students are required by the University to maintain health insurance coverage.

Students may choose to be covered for accidents and illnesses through:

• a personal insurance policy,
• a plan carried by their parents, or
• the group policy sponsored by the University, which is sold and administered through Aetna Student Health.

The University-sponsored plan is described in the brochures linked below, and is designed to provide basic medical insurance protection at a very affordable rate. It is not intended to provide comprehensive coverage for all medical needs. We urge you to carefully read the brochure to be aware of the plan's coverage limits. (Coverage Highlights)

• University-Sponsored Health Insurance Policy and Coverage
• Health Insurance Coverage Information from the Health Services Director

Enrollment in the University-sponsored Insurance Plan

The University uses what is called a "hard waiver" system to assure student health coverage. This means that full-time* students will be AUTOMATICALLY enrolled in and billed for the University-sponsored plan. If you want coverage under the University-sponsored plan, do nothing; you are automatically enrolled. (Part-time students who wish to enroll in the student health plan should contact the Bailey Agency directly at 1-800-321-4449; if you do not carry a full-time credit load you will not be automatically enrolled.) Some certificate or degree-specific programs are excluded from automatic enrollment. A list of these programs can be found in the information from the Health Services Director.

* A full-time student is defined as an undergraduate enrolled for 12 or more credits or a graduate student enrolled for 9 or more credits. The following degree/certificate programs are exempt from automatic enrollment:

If you wish to decline the university plan, you must waive it via the Health Insurance Waiver in the PeopleSoft Financial system. Because employers may change the benefits/plans they offer their employees, you must complete a waiver at the start of each school year, even if you completed one the previous year. To waive, simply log into your PeopleSoft account, then navigate to SA Self Service > Learner Services > Finances > UC Health Insurance Waiver.

The on-line waiver is only available until September 15, 2008 for the 2008-09 Academic Year. Students for whom Spring 2009 will be their first semester at UConn must waive by February 5, 2009.

If you fail to complete the waiver in PeopleSoft, it will be assumed that you accept coverage offered under the University sponsored health insurance plan, and the charge for that coverage will remain on your fee bill.

Most primary care rendered at Student Health Services is done so at no charge because they are prepaid through your general University fee. There are additional charges for specific services including lab tests, x-rays, physical therapy, certain special procedures, annual gynecological exams, certain clinic services and pharmacy purchases.

Student Health Services is a participating provider with Anthem Blue Cross Blue Shield of Connecticut, (affiliated with Blue Cross Blue Shield organizations nationwide), HealthNet, Aetna Student Health. Student Health Services will bill directly to these plans for all chargeable services to members for whom insurance information is on file at time of service. The Student Health Services Pharmacy participates in a wide network of prescription medication billing programs. Your Insurance Card or coverage information must be presented each time prescriptions are filled. If an HMO or PPO presently covers you, your plan may not provide coverage outside the plan's area for other than Emergency Services, and you may be required to return home to be covered for primary care services. You should carefully review your current plan's coverage as it applies to students when they are away from the area serviced by the HMO/PPO. HMO and PPO plans frequently have coverage age limits which are waived or modified for full time students. Check with your plan to make sure they have your correct status. Students are responsible for the completion of claim forms and the submission of bills when covered by other private insurance carriers. All services other than those for which claims are filed with Blue Cross Blue Shield, HealthNet, Aetna Student Health and Tricare, or paid at time of service, are charged to students' fee bills.

Itemized bills and receipts are available at the time of service for all chargeable services.