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Student & Scholar Health Insurance at USA

Student & Scholar Health insurance for the 2013/2014 school year is provided by UnitedHealthCare Student Resources (UHCSR).  Please read all of the information below before deciding whether to enroll.  You can also view the benefits summary of the plan by going to www.uhcsr.com/SouthAlabama

Undergraduate Students (domestic) and Non-GA Graduate Students
All full-time USA undergraduate students are eligible to purchase the student health insurance plan. Part-time, USA undergratuates enrolled in at least 6 credit hours per semester on campus (in a traditional classroom setting) and USA graduate students enrolled in at least 3 credit hours per semester on campus (in a traditional classroom setting) are eligible to purchase the student health insurance at the Part-time rate; students taking additional credit hours online for a total of 12 credit hours are eligible to purchase the plan at the full-time rate.

*Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased.  Home study, correspondence, Internet and television (TV) courses do not fulfill the Eligibility requirements that the student actively attend classes.  UHCSR maintains its right to investigate Eligibility or student status and attendance records to verify that the policy Eligibility requirements have been met.  If UHCSR discovers the eligibility requirements have not been met, its only obligation is to refund the premium and cancel coverage.

Students Majoring in Health Care Programs
College of Allied Health Students   (excluding Online Graduate Programs)
College of Nursing Students          (excluding Online Graduate Programs)
College of Medicine Medical Students
Physician Assistant Students
Are eligible and must purchase this plan, unless proof of comparable coverage is furnished.

Please Note:  ENROLLMENT FOR HEALTH INSURANCE COVERAGE FOR THOSE ELIGIBLE STUDENTS ENROLLED IN A HEALTH CARE PROGRAM MUST BE PURCHASED FROM THE USA STUDENT HEALTH CENTER AND ENROLLMENT INFORMATION SENT VIA A SCHOOL LIST. (STUDENTS CANNOT ENROLL ONLINE.)

*Call the Student Health Center at (251) 460-7151 if you have any questions about eligibility.

Insurance for Online Graduate Programs
If you are a Graduate student and all of your classes are online, please contact Golden Rule Insurance Company for insurance coverage via website:   www.goldenrule.com  or 1-800-980-7395.

International Degree Seeking, Exchange or ESL Students
All international students are automatically enrolled in this insurance plan upon registration.  For students whose insurance coverage is sponsored under a Government Scholarship Letter/Financial Guarantee Letter this documentation must be provided no later than the first day of classes along with a copy of the actual insurance card.  Again, this information must be RECEIVED PRIOR to the first day of classes for the enrolled semester and or subsequent terms or as requested. Scholarship /Financial Guarantee supported international students are responsible for all premiums and fees billed to their accounts if such documents are not received as requested.

Post Doctoral Trainees at USA
All USA Post Doctoral Trainees eligible for single coverage health insurance thru the department in which he/she will be working, “Must” complete the 2013/2014 Enrollment application and return it to your department for submission to the USA Student Health Center, Student Insurance Office.  International Post Doctoral trainees under the J EV Program are also subject to the US Dept of State Exchange Visitor regulations as outlined below.

*If you are unsure of whether or not you are eligible for insurance coverge please contact your department
where you will be working.

US Dept of State Exchange Visitor Program Scholars at USA
All exchange visitors (EV) AND their accompanying dependents (J-2) (J categories:  professors, research or short term scholar and student - degree and non degree) sponsored by the University of South Alabama must be enrolled in this plan with coverage effective first day of arrival/beginning of their program at USA.  Coverage must be maintained for the duration of their EV sponsorship by USA.  This plan meets all US DOS regulations for exchange visitor insurance coverage.  Any alternative coverage must be approved in advance prior to arrival/start of program and must provide coverge/benefits that is/are equal to or greater than this policy.  Verification of continuation of coverage during the program is mandatory.

BMS Graduate Students
All BMS Graduate Students eligible for single coverage health insurance thru the department in which he/she will be working, “Must” complete the 2013/2014 Enrollment application and return it to your department supervisor for submission to the USA Student Health Center, Student Insurance Office.

*If you are unsure of whether or not you are eligible for insurance coverge please contact your department where you will be working.

Dependent Insurance Coverage
Eligible students/scholars who do enroll may also insure their Dependents.  Eligible Dependents are the spouse and unmarried children 19 years of age or 23 years if a full-time student at an accredited institution of higher learning who are not self-supporting.  Dependent eligibility expires concurrently with that of the Insured student/scholar.

*Please contact the USA Student Health Center (251) 460-7151 for premium rates.

Each policy includes the following benefits, at not additional cost:

All insureds have access to their plan and claims information via MyAccount, a comprehensive self service area available from www.uhcsr.com/SouthAlabama . Create a MyAccountduring online enrollment; log in anytime to review your benefits, search for providers, check claim status, review your Explanations of Benefits (EOBs), print an ID card, update your personal information and more.  Not enrolling online?  You can create a MyAccount from www.uhcsr.com/SouthAlabama ; just select the Create an Account link and follow the simple on screen directions once you’ve received your permanent student health insurance ID card.

Questions about the student insurance plan?  Call UnitedHealthCare Student Resources at 1-800-767-0700, Monday through Friday, from 7 a.m. to 7 p.m., Central Standard Time.  You may also call the USA Student Health Center at 251-460-7151, Monday through Friday, from 9 a.m to 5 p.m., Central Standard Time.

2013-2014 Student & Scholar Health Insurance at USA
(Domestic and International) 

Student & Scholar Health Insurance for the 2013-2014 academic school year is provided by United HealthCare Student Resources (UHCSR).  You can view the benefits summary of the plan by going to www.uhcsr.com/SouthAlabama

What is the Health Insurance Plan all about?
Your school-endorsed Sickness & Injury insurance plan offers you:

Who is Eligible?
Please refer to the USA Student Health Center’s website: www.southalabama.edu/studenthealth/ Under “Student Health Insurance” you will find a complete Eligibility list.   For all other eligibilty questions, please contact the USA Student Health Center at 251-460-7151, Monday –Friday, from 9am to 5pm, Central Standard Time.

Insurance Rates:

Contact your School representative at 2514606022 or via email at rbaxter@southalabama.edu

Student Premium Rates

Full-time Student Rates: (Student Status Based on Minimum of 12 Credit Hours per Semester)

Spring Only                Spring/Summer                     Summer Only
01/01/14 -05/31/14          01/01/14 - 07/31/14             06/01/14 - 07/31/14

Student

$790.00

$1,109.00

$319.00

Spouse

$2,018.00

$2,833.00

$815.00

All Children

$1,321.00

$1,854.00

$533.00

Part-time Student Rates: (Student Status Based on Minimum of 6 Credit Hours per Semester)                                     

Spring Only                Spring/Summer                     Summer Only
01/01/14 -05/31/14          01/01/14 - 07/31/14             06/01/14 - 07/31/14

Student

$1,151.00

$1,616.00

$465.00

Spouse

$2,993.00

$4,202.00

$1,209.00

All Children

$1,947.00

$2,733.00

$786.00

Highlights of the Coverage and Services
Offered by UnitedHealthCare Student Resources are:

PRE-EXISTING CONDITION means: 1) the existence of symptoms, which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the 12 months immediately prior to the Insured'sEffective Date under the policy; or, 2) any condition which originates, is diagnosed, treated or recommended for treatment within the 12 months
immediately prior to the Insured's Effective Date under the policy.

Exclusions and Limitations
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:

1. Acne; acupuncture;

2. Congenital conditions, except as specifically provided for Newborn or adopted Infants;

3. Cosmetic procedures, except cosmetic surgery required to correct an Injury for which benefits are otherwise payable under this policy or for newborn or adopted children; removal of warts, non-malignant moles and lesions;

4. Dental treatment, except for accidental Injury to Sound, Natural Teeth;

5. Elective Surgery or Elective Treatment;

6. Eye examinations, eye refractions, eyeglasses, contact lenses, prescriptions or fitting of eyeglasses or contact lenses; except when due to a disease process;

7. Foot care including: flat foot conditions, supportive devices for the foot, subluxations of the foot, care of corns, bunions, calluses, toenails, fallen arches, weak feet, chronic foot strain, and symptomatic complaints of the feet;

8. Hearing examinations or hearing aids; or other treatment for hearing defects and problems. "Hearing defects" means any physical defect of the ear which does or can impair normal hearing, apart from the disease process;

9. Immunizations, except as specifically provided in the policy; preventive medicines or vaccines, except where required for
treatment of a covered Injury or as specifically provided in the policy;

10. Injury caused by, contributed to, or resulting from the use of intoxicants, illegal drugs, or any drugs or medicines that are not taken in the recommended dosage or for the purpose prescribed by the Insured Person's Physician;

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

12. Investigational services;

13. Organ transplants; including organ donation;

14. Participation in a riot or civil disorder; commission of or attempt to commit a felony;

15. Pre-existing Conditions, except for individuals who have been continuously insured under the school's student insurance policy for at least 9 consecutive months; The Pre-existing Condition exclusionary period will be reduced by the total number of months that the Insured provides documentation of continuous coverage under a prior health insurance policy which provided benefits similar to this policy; (This exclusion will not be applied to an Insured Person
who is under age 19.)

16. Prescription Drugs, services or supplies as follows:
a) Therapeutic devices or appliances, including: hypodermic
needles, syringes, support garments and other non-medical
substances, regardless of intended use;
b) Immunization agents, biological sera, blood or blood products administered on an outpatient basis;
c) Drugs labeled, "Caution -limited by federal law to investigational use" or experimental drugs;
d) Products used for cosmetic purposes;
e) Drugs used to treat or cure baldness; anabolic steroids used for body building;
f) Anorectics -drugs used for the purpose of weight control;
g) Fertility agents or sexual enhancement drugs, such as Parlodel, Pergonal, Clomid, Profasi, Metrodin, Serophene or Viagra;
h) Growth hormones; or
i) Refills in excess of the number specified or dispensed after (1) year of date of the prescription.

17. Reproductive/Infertility services including but not limited to: family planning; fertility tests; infertility (male or female), including any services or supplies rendered for the purpose or with the intent of inducing conception; premarital examinations; impotence, organic or otherwise; tubal ligation; vasectomy; sexual reassignment surgery;

18. Research or examinations relating to research studies, or any treatment for which the patient or the patient’s representative must sign an informed consent document identifying the treatment in which the patient is to participate as a research study or clinical research study;

19. Routine physical examinations and routine testing; preventive testing or treatment; screening exams or testing in the absence of Injury or Sickness; except as specifically provided in the policy;

20. Services provided normally without charge by the Health Service of the Policyholder; or services covered or provided by the student health fee;

21. Skeletal irregularities of one or both jaws, including orthognathia and mandibular retrognathia;  emporomandibular joint dysfunction; deviated nasal septum, including submucous resection and/or other surgical correction thereof; nasal and sinus surgery;

22. Skydiving, parachuting, hang gliding, glider flying, parasailing, sail planing, bungee jumping, or flight in any kind of aircraft, except while riding as a passenger on a regularly scheduled flight of a commercial airline;

23. Suicide or attempted suicide while sane or insane (including drug overdose); or intentionally self-inflicted Injury;

24. Supplies, except as specifically provided in the policy;

25. Surgical breast reduction, breast augmentation, breast implants or breast prosthetic devices, or gynecomastia; except as specifically provided in the policy;

26. Treatment in a Government hospital, unless there is a legal obligation for the Insured Person to pay for such treatment;

27. 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); and

28. Weight management, weight reduction, nutrition prog

*Please be advised that you may be eligible for coverage under a group health plan of a parent’s employer or under a parent’s individual health insurance policy if you are under the age of 26.  Contact the plan administrator of the parent’s indiviual health insurance issuer for more information.  

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