Graduate Subsidized Health Insurance Q&A
Q1. What health insurance is available for University of Utah graduate students?
A1. All eligible University of Utah students, graduate and undergraduate, can enroll in a student health insurance plan serviced by United HealthCare StudentResources. A brochure describing the existing plan is available at the U of U Student Health Center website or on-line at www.uhcsr.com/utah. Students may also enroll in a private plan not offered through the University, although international students who purchase a private plan will be required to complete a waiver process and the coverage purchased must fulfill certain requirements in order for the waiver to be approved – contact Kerry Hill at the Student Health Center for more information.
Q2. Who is eligible to participate in the SHIBP?
A2. Full-time graduate TAs, full-time graduate RAs, or graduate students with a full-time TA/RA combination appointment are eligible to receive the health insurance subsidy.
Q3. What are the requirements for qualifying for the SHIBP?
A3. The health insurance requirements match the graduate student tuition benefit plan (TBP) requirements for a full or 100% tuition benefit: (a) be a matriculated graduate student, (b) receive at least $7000 (2015-16 levels) in University funding for each semester, (c) be registered for at least nine credit hours (but no more than 16); and (d) be in good standing (cumulative GPA of 3.0, Law School, 2.0). The semester assignment must be 100% TA or 100% RA or 100% TA/RA mix. Tuition benefit time limits also apply to the health insurance benefit.
Q4. Is it mandatory to participate in the subsidized health insurance benefit plan?
A4. No. You may choose not to enroll in the subsidized plan, however international students are automatically enrolled in the student health plan unless they have waived coverage through the Student Health Center, see A1 above.
Q5. How can I participate in the SHIBP?
A5. At the start of Fall and Spring semesters, communicate to your departmental TBP coordinator that you wish to elect coverage under the subsidized health insurance benefit plan. After verifying your eligibility (see A3 above), your TBP coordinator will enter your data on the departmental TBP web page and check the health insurance box indicating your desire to participate. The signature sheet for the TBP has a column indicating whether or not you are enrolling. If your name is not entered on the TBP web page for that semester, you cannot participate in the subsidized health insurance plan for that semester.
Q6. What if I am left off the TBP/SHIBP web list?
A6. It is your responsibility to verify with your department’s tuition benefit coordinator before the 15th day of classes that you have been entered on the departmental list. After the 15th day of classes each semester, no additional changes can be made to subsidized insurance enrollment. No retroactive benefits are available for the TBP, and none will be available for the SHIBP.
Q7. What if I enroll in the SHIBP but fail to satisfy the requirements?
A7. You will be responsible for the full amount of the premium.
Q8. What is the maximum benefit and covered services?
A8. Per the Patient Protection and Affordable Care Act, the student insurance plan has no overall maximum dollar limit (per insured person, per policy year). Covered services are described in the plan booklet and on-line at www.uhcsr.com/utah.
Q9. Is maternity care available with the SHIBP?
A9. Yes. All student health insurance plans are required to include maternity benefits.
Q10. Are prescription drugs covered under the SHIBP?
A10. Yes. The benefit for Prescription Drugs reimburses the students for 50% of the cost of prescriptions.” Contraceptives and Generic prescription drugs are reimbursed at 100% at any pharmacy and both Brand and Generic are covered at 100% when filled at Madsen Pharmacy.
Q11. What is the cost of the insurance?
A11. If you are part of the subsidized plan, the University pays 80% of your annual premium and you pay 20% of the annual premium. For the 2015-16 academic year, the cost to the student per semester is 20% of $952, which comes out to $190.40. You will be billed $190.40 by Income Accounting at the start of Fall semester and again at the start of Spring semester, if you choose to enroll for Spring. You are responsible for the full additional premium if you add a spouse and/or children.
Q12. If my department is willing to pay my 20% part of the premium, how do they pay that amount?
A12. The department may pay the fee through the University’s Scholarship Administration system.
Q13. If I have a spouse and/or dependent children, can they be added to my SHIBP coverage?
A13. If you wish to add coverage for spouse and/or children, you must enroll them online and pay the appropriate premium at your expense. Click “Request Dependent Coverage” at www.uhcsr.com/utah during the open enrollment period to reserve coverage for your dependents. The premium amounts for adding spouse or children for the subsidized plan are available at the beginning of the brochure found at www.uhcsr.com/utah.
Q14. If the department is willing to pay for adding dependents, how do they pay?
A14. The department may pay by check to United HealthCare StudentResources for individuals or groups of students in their department.
Q15. What are the dates of SHIBP coverage?
A15. Coverage for the subsidized plan only is divided into biannual coverage periods: 8/16 – 2/14 (Fall enrollment), and 2/15 – 8/15 (Spring enrollment) each year. Note that this is different from coverage periods for the regular student plan (not subsidized), which coincide with semester dates: August 16 through December 31 for Fall semester, January 1 through May 15 for spring Semester, and May 16 through August 15 for Summer semester.
Q16. If I am covered by the SHIBP for both Fall and Spring semesters, who pays for Summer semester?
A16. When a graduate student participates in SHIBP for both Fall and Spring semesters, Summer semester is automatically included for the full 12-month coverage. See coverage periods in A15 above.
Q17. If I am qualified on the SHIBP for just a single semester (Fall or Spring) during the academic year, what happens to my insurance coverage for the next term and for the summer?
A17. If you are supported for a single semester on the TBP, you are encouraged to enroll in the voluntary plan for the subsequent semester(s) to keep continuous health insurance coverage. Please contact Jolyn Schleiffarth in the Graduate School to avoid coverage gaps.
Q18. I am a Graduate Fellow (GF) or a Graduate Assistant (GA), categories that are not provided a Graduate School health insurance subsidy, but my department wishes to provide me with a health insurance plan. What must be done?
A18. Check with your department to find out how they would like to handle payment. The department could pay United HealthCare directly by check for your insurance, or they may ask you to pay up front and be reimbursed. If they ask you to enroll first, you can do so at www.uhcsr.com/utah.
Q19. How do I obtain a description of the United HealthCare insurance policy?
A19. The general policy, including coverage, is available on-line at www.uhcsr.com/utah.