Insurance Information
Domestic students can waive the University sponsored insurance via MyUM, under the "Life at UM" tab. Alternatively, parents can sign up for delegate access to myUM and waive the insurance and perform other delegate myUM functions. Waivers must be renewed each Fall semester.
Domestic students enrolled in six or more credit hours per semester (or considered full time, including graduate students enrolled in a 700/800 level class) are required to obtain adequate health insurance (see exceptions). The annual premium for the health insurance plan offered through the Student Health Service is added to each student's fees. Domestic students with adequate alternative coverage may request cancellation of the insurance fee via MyUM. Students with limited out of area coverage or otherwise inadequate coverage are urged to carefully review their options before waiving the Student Health Service sponsored insurance plan. Deadlines to waive the insurance are July 25th for the Fall semester, January 25th for the Spring semester, April 25th for Summer I and June 25th for Summer II.
Insurance cancellation requests must be renewed each academic year via MyUM .
Insurance Rates for the upcoming academic year are generally available by June 1st. Part-time students and others not routinely eligible for care at the Health Center who choose to be insured will be charged the Health and Counseling Centers fee in addition to the annual premium for health insurance coverage.
Optional coverage for dependents can be requested at the time the student is first able to enroll in the plan (within 14 days of the start of the semester) or within 30 days of termination of other similar coverage, or because of any of the following events; birth, legal adoption, placement for adoption, marriage, legal guardianship, or court or administrative order. Renewal of dependent coverage is the responsibility of the student / dependent and must be requested prior to the termination of the current policy in order to prevent a lapse in coverage. Late requests for renewal must be received within 14 days of the start of the semester. Charges are paid directly to the Student Health Service, payment by credit card or debit card. For more information, contact the Student Health Service at studenthealth@miami.edu.
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 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 MyUM, the charge has been posted to your student account and all charges on your account have been paid.
Students scheduled to graduate at the end of the Fall semester can request to be charged for the Fall semester only by completing an insurance exception form by September 1st. Students who request to be charged for the Fall only, and remain enrolled, will be subject to the Spring/Summer insurance fee.
All international students are required to enroll in the University sponsored health insurance program. The annual premium for this coverage is added to each student's fees. Optional coverage for dependents can be requested at the time the student is first able to enroll in the plan (within 14 days of the start of the semester) or within 30 days of termination of other similar coverage, or because of any of the following events; birth, legal adoption, placement for adoption, marriage, legal guardianship, or court or administrative order. Renewal of dependent coverage is the responsibility of the student / dependent and must be requested prior to the termination of the current policy in order to prevent a lapse in coverage. Late requests for renewal must be received within 14 days of the start of the semester. Charges are paid directly to the Student Health Service, payment by credit card is preferred. For more information, contact the Student Health Service at studenthealth@miami.edu or (305) 284-1652.
International students who are no longer enrolled at the University but remain in the United States completing Optional Practical 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. Although insurance coverage may continue during OPT 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 studenthealth@miami.edu for additional information.
TA/GA/RA's are required to obtain adequate health insurance according to the guidelines described above for other Domestic and International students. TA/GA/RA's with an active assignment can pay for their insurance via payroll deduction by requesting this option under the employment tab at MyUM. If the payroll deduction option does not appear on your MyUM screen, please contact your department to verify the status of your assignment. The payroll deduction option will not appear on your MyUM screen until your student assignment has been processed by your department and entered by the Office of Student Employment. Although insurance waiver requests must be submitted by July 25th, the deadline to select the payroll deduction via MyUM is October 1st. A health insurance credit is available for Coral Gables TA/GA/RA's, Fellows and Trainees enrolled in PhD and DMA programs. To take advantage of the credit you must choose the payroll deduction option as described above.
TA/GA/RA Health Insurance Credit Instructions
Graduate Medical Students who are admitted to the graduate programs in Biochemistry and Molecular Biology, Cancer Biology, Microbiology and Immunology, Molecular Cell and Developmental Biology, Molecular, Human Genetics and Genomics and Cellular Pharmacology, Neuroscience and Physiology and Biophysics or Interdisciplinary Biomedical Studies (IBS) and who are in good academic standing are supported financially throughout the Department of Graduate Studies. Support includes 80% of the University of Miami student health insurance premium per student. Graduate students on the Medical Campus should contact Maria Zayas (305) 243-6406 or mzayas@miami.edu or review information at http://chroma.med.miami.edu/grad/current-financial.html.
The Health Insurance Plan for 2012-2013 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. The updated brochure will be available by the end of the spring semester. 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 maximum benefit has been increased to $1,000,000 annual, $2,000,000 lifetime.
The following changes instituted in previous years continue:
• Referrals are required in order to obtain the best benefits and coverage (out-of-network coverage does not require referral)
• $400.00 Annual Deductible.
• $4,000 Out of Pocket Maximum.
• 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.
• Low cost generic medications are available for a $4.00 co-payment for a 30 day supply or $12.00 for a 90 day supply at the Student Health Service Pharmacy.
• Hormonal Contraception is at available any participating retail pharmacy including the Student Health Service Pharmacy.
• Smoking cessation medications are available at the Student Health Service Pharmacy.
• $50.00 per semester surcharge for smokers. Those who confirm that they smoke, and those who fail to provide the smoker designation information will be charged the $50.00 surcharge per semester.
• The HPV vaccine is covered with a 50% co-payment, if administered at the Student Health Service.
• Routine eye exams are covered for students (one per year, subject to co-payment, eyewear is not covered). Students who are financially registered may call Dr. Lloyd Schneider, D.O. at (305) 662-9300 to schedule an appointment after the start of the semester.
• No limitation of number of days/visits for Mental Health coverage.
Through participation in the UnitedHealthcare's Student Plan, you are eligible for global emergency assistance services when traveling abroad. Services are provided by Worldwide Assistance Services, Inc. (800) 898-3344.
Coverage limits under the Premium Plan include:
- Medical Evacuation: Covered up to $100,000.
- Medical Repatriation: Covered up to $25,000.
- Non-Medical Repatriation: Covered up to $5,000
- Return of Remains: Covered up to $10,000
- Transportation to visit a hospitalized student: Covered up to $5,000
- Transportation to return companion: Covered up to $5,000
- Transportation to return minor children: Covered up to $5,000
- Hospital admission guarantee: $5,000
- 24 hr AD&D: Covered up to $10,000
Read the Health Insurance Brochure and the Health Center Fact Sheet
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, or the Health Center 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.
Use the Health Center pharmacy whenever possible, and encourage your physician or other provider to prescribe generic, or other affordable medications. Call the Health Center as soon as possible after any emergency room visit or hospitalization.
Follow-up care can often be obtained from Health Center staff.
Save copies of all bills, checks, credit card receipts, E.O.B's (explanation of benefits forms) and any other written documentation.
Determine your share of all charges, and pay promptly to avoid penalties or referral to collection agencies.
Encourage your physician, hospital or other provider to promptly submit bills, and to respond to requests for clarification or additional information.
Promptly respond to requests for additional information.
Seek assistance for any claims issues or disputes from United Healthcare.
If these efforts are unsuccessful, contact the Health Center at (305) 284-1652, or studenthealth@miami.edu
The Student Health Center does not endorse or sponsor any dental plan. A plan available to you is provided by DP.Brokers at 800-281-3205. Please direct all inquiries to 800-281-3205 or visit www.dpbrokers.com/10555.dp
Questions About Coverage and Benefits:
Please refer to the insurance brochure or call UHC at (800) 436-7709
Claims Issues:
You may view your claims at www.myuhc.com or call UHC at (800) 436-7709
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. Please update your local address at MyUM to assure that the card is mailed to your preferred location. Temporary cards may also be available at www.myuhc.com after you have completed financial registration. You will need your United Healthcare subscriber number which can be obtained 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.
Please direct any additional concerns or comments to customerservice@myuhc.com or call (800) 436-7709.
Graduating seniors, and others leaving the University, are encouraged to seek alternative coverage well before the termination of their current plan. Student Health insurance is only available for those enrolled in six or more credit hours (or considered full time) ( see exceptions). Annual policies terminate August 14th.
Under new healthcare regulations, many graduating students will be able to obtain coverage under their parent's insurance plan, more information about this option and other alternatives is available at healthcare.gov.
Information on short term coverage is available from www.ehealthinsurance.com, www.assuranthealth.com, www.personal-plans.com/promo/umaa_stm/ or from UnitedHealthcare by calling 1-866-306-5063.
For 2011-2012 there were two rate tiers (undergraduate and graduate) and effective 2012-2013 there will be a single rate tier for all students. .
| 2012-2013 Annual Rates | ||
| Undergraduate, Graduate and International Students | $2,192 | |
| 2013 Spring/Summer Rates | ||
| Undergraduate, Graduate and International Students | TBA | |
In addition to the above charges, there is a $50.00 per semester surcharge for smokers who are enrolled in the University sponsored health insurance plan. Enrolled students are required to complete a smoker designation form through myUM (under the Life at UM tab) indicating whether they smoke or not. Those who confirm that they smoke, and those who fail to provide the smoker designation information will be charged the $50.00 surcharge per semester.
Dependent Rates are as listed in the brochure.
Reinstatement:
2011-2012 Dependent/ Scholar/ WJH and Additional Coverage Enrollment:
- Dependents of Domestic Undergraduate & International Students Enrollment Form
- Dependents of Domestic Graduate & International Students Enrollment Form
- International Scholars and Observers Insurance Enrollment Form
- WJH Training Program for Latin America Enrollment Form
- Medical Evacuation and Repatriation Enrollment Form
Health Insurance Fee Exception:
Unitedhealthcare Authorization Form
Insurance Cards:
Insurance Brochures