The University of Utah student health insurance plan is operated by United Healthcare Student Services, and includes all new, returning or transferred international students. However, you should be aware that the plan may not cover some procedures such as major surgery and that some providers have very high deductibles.
In addition to being covered by United Health Care, the University Student Health insurance plans are provided by a variety of organizations such as Salt Lake Medical Group, Church Health Services, and Utah Behavioral Health. These organizations provide competitive rates for all types of coverage and services. Many of the insurance companies also offer student discounts on their services.
Student Health insurance covers a variety of basic and preventative health care services. Basic coverage includes basic medications, physicals, x-rays and lab work, as well as routine preventative screenings for common conditions such as high blood pressure and diabetes. If your family’s annual income is at or below 200% of the Federal poverty level, the University will pay the first six hundred dollars of your medical costs. There are also plans that can be obtained through the Utah Health Care Program (WHCP) which will pay up to seventy-five percent of your medical bills for the first year of enrollment.
You may find that there is no medical care covered under the University’s plan. This is because these policies are designed for people who are not eligible to obtain health insurance coverage through their employer. It is important, however, that you check with your health insurance company or agents to see if they offer any coverage for the university.
The university also offers a wide range of plans from which to choose from when it comes to health insurance. Plans offered include family health, individual health, and supplemental health. Each plan comes with varying deductibles and co-pay amounts. Some of the plans also have prescription drug coverage that comes with a higher premium than individual plans.
Your doctor may provide prescription drug coverage on top of your basic health plan. This can help you to afford the high costs of prescription drugs without having to rely on government programs that provide free or subsidized drugs. Some employers will even cover part or all of your prescription drug expenses during an open enrollment period.
A student health insurance plan may include prescription drug coverage on top of the benefits provided by your health insurance. A plan may cover a percentage of your dental and vision benefits for the same cost as the basic health plan. Plans may also provide coverage for a specific type of health concern.
Another benefit offered by the University of Utah student health insurance program is a plan that pays for certain medical tests, procedures and tests if you meet certain criteria, such as a current student, non-student or spouse. You may qualify for a plan that provides coverage for some types of laboratory tests, x-rays, emergency room visits and outpatient prescriptions. Other plans may also provide coverage for prescription drugs.
Students enrolled in the university’s health insurance program may also receive benefits in the event of accidental injuries or illnesses while at school. Under this plan, students may be covered for costs related to hospitalization, rehabilitation and specialized treatments. Coverage may also include emergency room visits, prescription drugs and outpatient prescriptions.
Students enrolled in the student health insurance plan are also offered protection against financial hardships such as losing a job. If you become unable to work due to injury or illness, the university will cover your medical expenses until you become able to work again. This includes the cost of long-term care insurance.
By continuing to maintain the health insurance program, students enrolled in the student health insurance plan are able to keep their dependents covered under their family plan. This prevents the cost of premiums from being passed on to your children or spouse.
In order to determine which university provides the best health insurance coverage, it is important to review and understand the plans and options available. Contact your health insurance agent or company to see if they offer any types of student health insurance plans. If you do not have a health insurance plan already, you should contact a student health insurance broker to learn about any available student health insurance plans in Utah.