Student Health Insurance Policy
All University System of Georgia institutions are required to participate in the Student Health Insurance program. Students in the categories listed below are required to have insurance that meets the minimum standards. Students who are not covered by a policy held by a parent, spouse, company or organization on the approved waiver list (Organizations and Agencies Approved Waivers) or if the policy does not meet the minimum standards must purchase the USG SHIP policy.
Based on new federal guidelines United Healthcare is no longer offering age-banded premiums. The premiums listed below are for all students.
|Fall 2014||08/01/2014 - 12/31/2014||$752|
|Spring/Summer 2015||01/01/2015 - 07/31/2015||$1,043|
The University System of Georgia (USG) implemented a new requirement in Fall 2006 that requires all graduate students receiving a tuition reduction as part of their graduate assistantship award to have health insurance, which meets certain minimum requirements.The University System of Georgia requires all students in the above categories to have reasonable, comparable, creditable coverage to the current system-wide student health insurance plan provided. The following benefits must be included in your plan to be considered for a waiver.
• Both accident and sickness coverage
• Minimum benefit $500,000 per accident or sickness*
• Coverage for all pre-existing conditions
• A deductible not to exceed $3,000 per accident or illness
• In-patient and outpatient, mental and nervous disorder benefits
• Substance and alcohol abuse treatment coverage
• Prescription Drug Coverage
• Pay benefits worldwide
• Medical evacuation and family reunification of not less than $10,000*
• Provision for repatriation of not less than $7,500*
• All Georgia mandated requirements
(*Federal Standards for International Students.)
For the 2012-2013 academic year, the USG has contracted United Healthcare to provide this insurance, which will automatically be charged to your UWG account. There is also a Voluntary Plan for graduate students who are not receiving a tuition reduction and would like to acquire health insurance. For more information about the rates for Mandatory and Voluntary Plans, please see: www.studentcenter.uhcsr.com/westga. If a student is enrolled in the Voluntary Plan, s/he must be eligible for the insurance at the time of purchase.
The Waiver Process
If you have group insurance, you may be able to avoid this cost. If you have insurance that you believe meets the minimum standards, you must submit a waiver request to United HealthCare, who will decide if you are exempt from purchasing the policy through United HealthCare. You will need to have your insurance policy information readily available when you start the waiver process.
• Log on to www.studentcenter.uhcsr.com/westga. Click on the 'Waiver Form' link on the bottom of the page. Fill out the form(s) set up for your institution.
• The USG’s current provider will receive your request for a waiver and you will receive an email and a confirmation number verifying that you have successfully submitted your waiver. If you do not receive this email, resubmit your waiver request.
• Your request is then sent for verification.
• Your insurance plan will be verified that it meets the current requirements using the University System of Georgia approved minimum requirement guidelines.
• Once your request is reviewed, an email is sent either stating your plan has been approved or has been denied. If approved, the school will remove the charge from your tuition bill. If denied, the email will state the reason(s) why your plan is not approved.
Enrolling in the Insurance Plan
The insurance charge will automatically be charged to students' accounts. Although students are automatically charged for the insurance, you will need to enroll online to activate coverage. To enroll, students will go online to: www.studentcenter.uhcsr.com/westga.
If you do not obtain the insurance OR do not receive a waiver from United Healthcare, your classes will be dropped. We assure you this is not something we want to have happen. You have until fee payment deadline each semester to receive an approved waiver or pay the fee and enroll.
The policy requires that students first visit UWG Health Services (except in cases of emergencies, when Health Services is closed, when treatment is received 30 miles from campus, or you require treatment for maternity or psychotherapy). The purpose of this requirement is to help save you time and money. The Department of Health Services provides a wide range of services, including free or low cost prescriptions for many medications, and is open 8 a.m. to 6 p.m., Monday through Thursday, and 8 a.m. to 5 p.m. on Friday, during the regular academic year. You can visit Health Services without an appointment. For more information about the Department of Health Services, please visit online at http://www.westga.edu/~health/ or call 678-839-6452.
If you have questions, you can consult the USG website: http://www.usg.edu/student_affairs/students/admissions_enrollment/frequently_asked_questions.
United Healthcare Contact Information:
United Healthcare Student Resources
2301 West Plano Parkway, Suite 300
Plano, TX 75075
Mail your claims to:
United Healthcare Student Resources
P.O. Box 809025
Dallas, TX 75380-9025
Customer Service - 1-800-767-0700