|Domestic Students||Dental Insurance|
|International Students||Insurance Cards|
|International Students/OPT/Scholars||Graduating Seniors|
|Graduate Assistant Insurance||Mental Health Benefits|
|PhD Students on the Medical Campus||Insurance Rates|
|Miller School of Medicine MD and MD/MPH||Insurance Forms / Brochure|
|Insurance Plan 2015-2016||Medical Evacuation and Repatriation|
|Travel Benefits||Heath Care Reform/ Marketplace|
|Getting the Most from Your Plan||Enrollment after Deadline/ Qualifying Events|
International students who are no longer enrolled at the University but remain in the United States to engage in post-completion F-1 Optional Practical Training (OPT) or post-completion J-1 Academic Training may still be insured under the Student Insurance policy if they originally purchased a plan that continues beyond the completion of their studies. To verify the termination date of your insurance plan, please call (800) 436-7709 or log on to www.myuhc.com. If your insurance is no longer in effect, you may enroll for continued insurance.
Enrollments for OPT/ Academic training students for 2014-2015 will be done via Wells Fargo Insurance Services.
Although insurance coverage can continue during OPT or Academic Training, access to the Student Health Service is limited to enrolled students. Expenses incurred off-campus will be subject to deductibles, co-payments and co-insurance. Please review the United Healthcare schedule of benefits for information on benefits, exclusions and limitations of coverage or contact the Student Health Service at firstname.lastname@example.org for additional information.
Graduate Students are required to obtain adequate health insurance according to the guidelines described above for other Domestic and International students. Graduate Students with an active Graduate Assistantship job assignment in Workday (Graduate Assistant: Teaching, Research or Administrative) and who are eligible for the Graduate School subsidy can pay for the remaining portion of the insurance via payroll deduction by requesting the subsidy on the Student tab in Canelink. If the Graduate Health Insurance Subsidy does not appear on your CaneLink screen, please contact your academic department. Only your academic department can grant eligibility for the subsidy. For your insurance to become effective, you must either pay the insurance charge and all other charges on your account, or elect the subsidy and pay other remaining charges.
If you are eligible for the subsidy and will be graduating in the Fall semester, you will be responsible for the Spring Summer premium and must notify the Student Health Service at email@example.com when you are leaving the University. If you do not make arrangements for payment, the remaining charge will be added to you student account.
Instructions to elect the Graduate Assistant: Teaching, Research or Administrative Health Insurance subsidy .
PhD students on the Medical Campus (UMSOM) who are admitted to the graduate programs listed below* AND who are in good academic standing are eligible for an 80% credit towards the annual cost of the Student Health insurance plan, as long as they have a payroll assignment. To take advantage of the credit students must follow sign up for payroll deduction and NOT waive the University Student Health insurance according to these instructions.
The payroll deduction option will not appear on your CaneLink screen until your student assignment has been processed by your department and entered by the Office of Student Employment. If the payroll deduction option does not appear on your CaneLink screen, please contact your department to verify the status of your assignment. Although insurance waiver requests must be submitted by July 25th, the deadline to select the payroll deduction via CaneLink is October 1st. Phd students on the Medical Campus should contact Maria Zayas at (305) 243-6406 or firstname.lastname@example.org for further assistance.
*Biochemistry and Molecular Biology, Cancer Biology, Microbiology and Immunology, Molecular Cell and Developmental Biology, Human Genetics and Genomics, Molecular and Cellular Pharmacology, Neuroscience, and Physiology and Biophysics, the Programs in Biomedical Sciences (PIBS).
Miller School of Medicine MD and MD/MPH students enrolled in six or more credit hours per semester are required to obtain adequate health insurance. The annual premium for the health insurance plan offered through the Student Health Service is automatically added to the student's Canelink account. Medical students with adequate alternative coverage may request cancellation of the insurance fee via CaneLink. Medical students with limited out of area coverage or otherwise inadequate coverage are urged to carefully review their options before waiving the University sponsored insurance plan.
Deadlines for Medical Students to waive the insurance are: July 25th for MS2-4 and MS1 MD/MPH classes, and August 31 for MS1 MD class.
Insurance cancellation requests must be renewed each academic year via CaneLink .
Insurance rates are update each May for the upcoming academic year.
Medical students who previously waived the insurance charge can reinstate the insurance prior to the Spring semester by completing the reinstatement request form and checklist. Coverage can also be reinitiated at the start of the Fall semester by choosing not to re-waive the charge, or at other times during the academic year, if within 30 days of termination of other similar coverage, by completing the Medical Student Reinstatement Request Form and Checklist . Documentation of termination may be requested.
The deadline for reinstatement of insurance is January 25th for the Spring semester. Please do not consider your reinstatement complete until reinstatement has been verified via CaneLink, the charge has been posted to your student account and all charges on your account have been paid.
Medical students turning 26 during the academic year:
Medical students turning 26 during the academic year must request reinstatement directly with Wells Fargo. The preferred method of enrollment is via phone (payment options credit card, Mastercard, VISA) by calling Wells Fargo Insurance Services at (800)853-5899. Customer care representatives are available Monday- Friday, 8am-5pm(PST).
Please review the information about the current year insurance plan, the insurance brochure, and insurance rates for more information.
Medical Students on LOA
Medical students on approved LOA who would like to purchase the health insurance plan offered through the University must enroll directly through Wells Fargo Insurance Services. The preferred method of enrollment is via phone (payment options credit card, MasterCard, VISA) by calling Wells Fargo
Customer care representatives are available Monday-Friday, 8am-5pm.
The Health Insurance Plan for 2015-2016 is offered by United Healthcare. This plan is designed to be used in conjunction with the services of the Student Health Service and Counseling Center. To obtain greatest benefits, you will need to utilize the Student Health Service first, where treatment will be administered or referral issued, except in the case of medical emergency, maternity, when away from campus or when the Student Health Service is closed.
There are no co-payments for clinical and diagnostic services provided at the Student Health Service or Counseling Center. Co-payments and coinsurance may apply to services received elsewhere. Higher out of pocket costs apply when using out-of-network versus in-network providers. Coinsurance for in-patient care is lowest at University of Miami Hospital, prescription drug copays are lowest at the Student Health Service Pharmacy. All students including those with limited out of state coverage, and otherwise inadequate coverage are encouraged to review their options carefully before choosing to waive the insurance charge.
The plan highlights are as follows:
$400 Annual Deductible.
$4,000 Out of Pocket Maximum which includes the deductible, copays, coinsurance and covered prescription drug copays.
No annual or lifetime maximum benefit limits.
Lower co-insurance for inpatient services and outpatient surgery at University of Miami Hospital, Bascom Palmer Eye Institute and Sylvester Comprehensive Cancer Center (10% co-insurance at these UM facilities versus 30% co-insurance at other in-network facilities).
Four tier prescription drug benefit. Lowest pharmacy co-payments are available at the Student Health Service Pharmacy.
Hormonal contraception is available according to the United Healthcare formulary, including zero co-pay options at the Student Health Service and at other participating pharmacies.
Smoking cessation medications are available at the Student Health Service Pharmacy.
Dental and vision coverage for enrollees under age 19 as required under health care reform.
For other students, routine eye exams are covered for students (one per year, subject to co-payment, eyewear is not covered) from a United Healthcare participating optometrist, search for provider at myuhc.com .
No limitation of number of days/visits for Mental Health coverage.
Read the Health Insurance Brochure review the Student Health Service website.
Understand basic coverage, co-payments and deductibles, policy limits, exclusions, and pre-existing condition limits. Please understand that certain medical costs may not be covered by the policy, and that verification of insurance does not constitute a promise to pay non-covered charges. Contact the insurance company with any questions.
Visit the Health Center for primary care services.
Services provided at the Health Center will usually be more affordable than those provided elsewhere. If you are referred to a specialist, consider returning to the Health Center to have necessary lab tests and basic X-rays. These services and other follow up care are likely to be more affordable at the Health Center.
Arrange specialty care at UnitedHealthare providers.
Insurance cards are distributed early each semester, but will not be available until you have financially registered and paid your insurance charge, and all other fees. Although insurance information is transmitted frequently to United Healthcare, there may be a delay of 2-3 working days between financial registration and processing of your information in the United Healthcare system. IMPORTANT: Please update your LOCAL address on CaneLink to assure that the card is mailed to the correct address.
Temporary cards may also be available at www.myuhc.com after you have completed financial registration. You will need your United Healthcare member ID/ policy number which can be obtained at mystudenthealth.miami.edu (click on insurance icon) or by calling (800) 436-7709. Please refer to group # 709872 when calling to obtain your subscriber number. If you have not received your card by September 30th for the Fall Semester, January 30th for the Spring Semester, or June 30th for the Summer Session, please contact United Healthcare.
How to print a temporary ID card or request a permanent or replacement ID card (PDF) or get the Health4Me App [PDF Brochure]
Annual Aug 15th – Aug 14th of following year
Fall Only Aug 15th – Jan 9th (graduating seniors only, requires documentation of pending graduation)
Spring/ Summer May 10th – August 14th
Policy # Same as Member ID
Group # 709872
Member ID: UnitedHealthcare assigned number, see above.
Please direct any additional concerns or comments to email@example.com or call (800) 436-7709.
see exceptions). Annual policies terminate August 14th.
|2015-2016 Annual Rates|
|Undergraduate, Graduate and International Students||$2,466|
|MS2-4 and MS1 MD/MPH||$2,466|
|2016 Spring/Summer Rates|
|Undergraduate, Graduate and International Students||$1,439|
|Medical Student MS1, MS2-4,MD/MPH Semi-Annual Rate||$1,235|
Students who waived the insurance can reinstate according to the instructions below.
If the insurance fee was waived the prior academic year and you want the insurance for the new academic year, do NOT waive the insurance fee for the current year.
If the insurance fee was waived for the current academic year and you want to reinstate the annual coverage prior to October 14th , complete a reinstatement form and scan and email to firstname.lastname@example.org
If the insurance fee was waived for current academic year and you want to reinstate the annual coverage on or after October 14th it can only be done for a qualifying event* and must be requested within 30 days of the qualifying event. Contact Wells Fargo Services at 1-800-853-5899
If the insurance fee was waived for current academic year and you want to reinstate the Spring/Summer coverage prior to March 9th , complete a reinstatement form and scan and email to email@example.com
If the insurance fee was waived for current academic year and you want to reinstate the Spring/Summer coverage on or after March 9th it can only be done for a qualifying event* and must be requested within 30 days of the qualifying event. Please contact Wells Fargo Services at 1-800-853-5899
Can only be done for a qualifying event* and must be requested within 30 days of the qualifying event. Contact Wells Fargo Services at 1-800-853-5899
Change in marital status
Change in employment status
Loss of coverage due to limiting age (typically age 26)
Other loss of coverage for student