Domestic Students Dental Insurance
Dependents Need Help
International Students Insurance Cards
International Students/OPT/Scholars Graduating Seniors
TA/GA/RA 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 2014-2015 Medical Evacuation and Repatriation
Travel Benefits Heath Care Reform/ Marketplace
Getting the Most from Your Plan  


Domestic students can waive the University sponsored insurance via CaneLink, under the Other Important Links option. 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. Insurance waivers entered via CaneLink by 5:00 PM EST will be processed the next day. Those entered between 5:00 PM EST and  12:00 Midnight will take an additional day to process.

Domestic Students
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 CaneLink. 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 CaneLink .

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.

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 CaneLink, 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.

Dependents

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.
Enrollments for dependents for 2014-2015 will be done via Wells Fargo Insurance Services. Before requesting insurance for a dependent the student must be financially enrolled and have paid for their own insurance, the student must include their United Healthcare subscriber number on their dependent application  which can be obtained by calling (800) 436-7709. Please refer to group # 709872 when calling to obtain your subscriber number.

  1. 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).
  2. Alternatively, you can complete the appropriate enrollment form (payment options credit card, check, or money order)  and mail or fax to:
    10940 White Rock Road, 2nd Floor
    Rancho Cordova, CA 95670
    Fax: (877) 612-7966
  3. Once your request is processed (approximately 3 weeks after sending the form), you will receive the insurance card in the mail. Once payment is accepted and enrollment has been completed, you will be able to print a temporary card at www.myuhc.com .Wells Fargo Insurance Services will notify you only if there is an issue with the enrollment form or if you are denied by sending you a cancellation letter and payment will be returned.


International Students
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.



International Students / Optional Practical Training / Scholars

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.

  1. Complete the appropriate enrollment form and mail or fax to:
    10940 White Rock Road, 2nd Floor
    Rancho Cordova, CA 95670
    Fax: (877) 612-7966
  2. Enrollments can also be taken by phone by calling Wells Fargo Insurance Services at (800) 853-5899.  Customer care representatives are available Monday – Friday, 8am-5pm (PST).
  3. Once your request is processed (approximately 3 weeks after sending the form), you will receive the insurance card in the mail. Once payment is accepted and enrollment has been competed, you will be able to print a temporary card at www.myuhc.com . 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.
  4. Wells Fargo Insurance Services will verify  your eligibility with the Office of International Students and Scholar Services, and if unable to verify will return any paid  premium. (requires employment authorization document (EAD) from U.S. Citizenship and Immigration Services for F-1 and J-1, Form I-20 Form for F-1 and  Form DS-2919 for J-1 students.
  5. Wells Fargo Insurance Services will notify you only if there is an issue with the form or if you are denied by sending you a cancellation letter and payment will be   returned


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 studenthealth@miami.edu for additional information.

TA/GA/RA Insurance
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, DMA and MFA programs. To take advantage of the credit you must choose the payroll deduction option as described above.

TA/GA/RA Health Insurance Credit Instructions

Phd Students on the Medical Campus (UMSOM)

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 MyUM 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 MyUM 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 MyUM is October 1st. Phd students on the Medical Campus should contact Maria Zayas at (305) 243-6406 or mzayas@miami.edu 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

Miller School of Medicine MD and MD/MPH Domestic 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. Domestic students with adequate alternative coverage may request cancellation of the insurance fee via CaneLink. 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 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)853-58933.  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.


Insurance Plan 2014 - 2015

The Health Insurance Plan for 2014-2015 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 continues at  $1,000,000 annual, $2,000,000 lifetime.

The plan highlights are as follows:

$400 Annual Deductible.

$4,000 Out of Pocket Maximum.

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). 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.

Travel Benefits/ Medical Evacuation and Repatriation
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
Please keep in mind, should you need medical care while abroad, payment may be required at the time of service. Please keep all invoices and receipts to allow you to submit for reimbursement of any eligible expenses upon your return. You may also wish to purchase additional travel insurance for services not provided by this plan.

Students with other adequate insurance coverage who need the additional benefits of medical evacuation and repatriation coverage can purchase this coverage separately. To do so:

Complete the Medical evacuation and Repatriation enrollment form and mail or fax to:
10940 White Rock Road, 2nd Floor
Rancho Cordova, CA 95670
Fax: (877) 612-7966

Enrollments can also be taken by phone by calling Wells Fargo Insurance Services at (800) 853-5899. Customer care representatives are available Monday – Friday, 8am-5pm (PST).

Getting the Most from Your Insurance Plan

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.

Uhealth specialist appointments can be scheduled at 305-243-4000.   Out of area UnitedHealthCare providers can be located at myuhc.com by choosing Find Physician, Lab or Facility and then selecting UnitedHealthcare Choice Plus Plan, and entering the type of specialty and zip-code, according to these instructions.

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

Dental Insurance
The Student Health Service does not endorse or sponsor any dental plan. Dental plans are available at http://www.dentalplans.com Please direct all inquiries to DP brokers at 800-281-3205.

Need Help
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

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]

Effective Dates:
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 customerservice@myuhc.com or call (800) 436-7709.

Sample Card:



Graduating Seniors
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.

Mental Health and Substance Abuse Benefits
Mental Health and Substance Abuse benefits are provided by United Behavioral Health. Prior authorization must be obtained for both in-network and out-of-network benefits. United Behavioral Health can be reached at 1-800-552-9951.

Insurance Rates 2014-2015
2014-2015 Annual Rates
  Undergraduate, Graduate and International Students $2,306
  MS1 MD $2,115
  MS2-4 and MS1 MD/MPH $2,306
 
2015 Spring/Summer Rates
  Undergraduate, Graduate and International Students $1,345
  Medical Student MS1, MS2-4,MD/MPH Semi-Annual Rate $1,146

brochure.

Insurance Forms / Brochure

Dependent Enrollment Forms: see above

International Scholars, Observers and OPT/ Academic Training Enrollment Forms: see above

Medical Evacuation and Repatriation Form:see above

Reinstatement Form:
Health Insurance Fee Exception:
Unitedhealthcare Authorization Form
Insurance Cards:
Insurance Brochures

Heath Care Reform/ Marketplace

Health Care Reform/ Marketplace FAQ's