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Health Insurance >
Duluth Campus >
AHC Student Health Benefit Plan |
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Health
Insurance - Duluth Campus |
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Academic Health Center (AHC) Student Health Benefit Plan |
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Not sure if you are an AHC student?
Find out here. |
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Advantages Of The Plan |
As of August 21, 2007,
routine exams, x-rays, and cleanings will be covered when you are seen at
the Boynton Health Service Dental Clinic.
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- $3,000,000 lifetime benefit
- World – wide coverage using the Blue Cross and Blue Shield
network
- No pre-existing condition exclusions
- Excellent preventive care benefits
- Unlimited medical evacuation and repatriation benefits
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Coverage Benefits |
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Blue Cross Blue Shield (BCBS) provider network |
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Services provided when accessing care in
this network are covered at 80 percent of eligible expenses. There is a
$3,000,000 lifetime maximum coverage benefit limit, with $2,000
out-of-pocket limit per year for students. The new plan will
offer the following: |
- Enhanced coverage for preventive care and immunizations
(formerly not covered), covered at a benefit level of 80 percent in
the BCBS network up to $500 per academic year.
- Blue Cross and Blue Shield of Minnesota formulary drug benefit
at any participating pharmacy (including Boynton) with:
- $25 co-payment for formulary generic drugs
- $35 co-payment for formulary brand name drugs
- No plan year benefit limit
- No out-of-pocket maximum
- Dental Benefit at Boynton
Health Service. Starting fall 2007, the University-sponsored AHC
Student Health Benefit Plan will include a new preventive dental
care benefit. As of August 21, routine exams, x-rays, and cleanings
will be covered when you're seen at Boynton Health Service Dental
Clinic.
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Cost of the Plan and Coverage Dates |
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For academic year 2007-2008: |
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Academic Health Center (AHC) Students |
Cost Per Semester |
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Student only |
$1,008.00 |
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Spouse |
$1,386.00 |
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Single child
only |
$1,163.00 |
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Two or more
children |
$1,446.00 |
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Frequently Asked Questions |
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new! 1. What if I lose my insurance
coverage during my active two year waiver request period? |
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You can enroll in the AHC-SHBP IF you request to enroll within 60 days of
your involuntary loss of coverage. Enrollment cannot be
accomplished through the online registration process if you have
requested and received a waiver.
How to enroll in the AHC - Student Health Benefit Plan:
1. Download a copy of the
Enrollment/Change form (PDF Format)*
or
2. Obtain a printed Enrollment/Change form from the Student
Health Benefits Office located in room N323
Boynton Health Service, 410 Church
St S.E., Minneapolis.
Your enrollment request must be received in our office with proof of
involuntary loss of coverage from your previous insurance company within
60 days of your loss of coverage. After we have verified and processed
your enrollment, you will be notified via e-mail. Our office will not
process any applications that are over sixty days old. |
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*You need Adobe
Reader to view these documents. If you do not have Adobe Reader,
click on the icon below to download the reader for free. |
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2. Why offer a special plan for AHC students?
AHC students have demonstrated a unique and serious need for enhanced
benefits to the existing University-sponsored Student Health Benefit
Plan (SHBP). You are often at locations other than on campus and your
out-of-classroom experience puts you at risk for infectious diseases
such as influenza, hepatitis B, HIV, and other occupational health
risks.
You often serve on the front lines of healthcare facilities, meeting
the needs of patients. The current SHBP is an excellent, affordable
health plan – but the needs of the AHC community exceed the rest of the
University community in many ways. |
3. Why have automatic enrollment?
Automatic enrollment allows all AHC students to become eligible for the
plan. Currently, the University of Minnesota requires that students
taking 6 or more credits (resulting in the assessment of
Student Service Fees) have health insurance.
Students without insurance are enrolled in the Student Health
Benefit Plan administered through Boynton Health Service. Some students,
however, do not qualify for the SHBP because they do not meet the
enrollment requirements.
- As an example, a nursing student taking web-based courses may
not qualify for SHBP. There are many other categories of students
who do not meet these requirements.
- In addition, recent surveys have indicated that in spite of the
risk, 25 percent of the graduate students at the University still do
not have hospitalization insurance.
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4. Why not let students get their own health insurance?
Affordable health insurance with reasonable coverage from a
non-employer-based plan is inaccessible to students. “Voluntary”
insurance plans are expensive and do not provide adequate coverage.
These plans often have low maximum limits, limits on aspects of care,
exclusions such as pre-existing conditions, limits on hospital expenses,
and other components designed to limit risk to the plan. |
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If you have other questions or concerns about the insurance
plan, please contact:
Student Health Benefit Plan Office
Boynton Health
Service
Minneapolis, MN 55455
e-mail:
studins@bhs.umn.edu
Phone: 612-624-0627 or toll-free 1800-232-9017
Fax:
612-626-5183 or or toll-free 1800-624-9881For
questions regarding covered services, please contact the
UMD Health Services. |
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