Please read the information below to learn more about the Student Health Insurance Policy and whether it is a good choice for you.

All students enrolled at UNO have access to Student Health Services, regardless of whether or not they have insurance of any kind. However, we only provide primary care. In order to provide access to specialist care and emergency room services, Student Health Services arranges for an optional low-cost sickness and accident insurance policy. A copy of the plan and an enrollment form is mailed to every student before the beginning of the Fall semester. If you do not want it, simply disregard the mailing. Otherwise these forms are also available in Student Health Services (HPC 109), or on-line at www.uhcsr.com. Below are some frequently asked questions regarding the policy. It is the responsibility of the student to become familiar with the policy and use it properly should he/she decide to purchase it. UNO does not adjudicate claims nor does it intercede in claim disputes. Questions regarding claims should be addressed to the insurance company (address below). Please read the policy carefully and call the agent or insurance company with any questions!

It is very important to keep the insurance company (and UNO) abreast of any changes in address. Relevant contact information is listed below.

Policy number: 2009-701-76

NOTE: Some hard copy brochures mistakenly list a co-pay for the pharmacy benefit. For the 2009-2010 year, there are NO co-pays in the pharmacy benefit.

Do I have to buy the insurance in order to come to UNO Student Health Services?
No! Any UNO student, except IELP, may access Student Health Services at any time, regardless of insurance status.

How do I enroll in the student insurance plan?
Voluntary enrollments can be done by using our simple online enrollment process, available at www.UHCSR.com, College Students tab. This is an easy seven-step process:

Successful enrollees also receive a confirmation of coverage via e-mail immediately after enrollment. Online enrollments are added to our eligibility system at the end of each business day. Premiums may be pro-rated.
Enrollment forms are also available in Student Health Services (HPC 109) or the Office of International Students and Scholars (BA 159).

Can I get a refund?
As a general rule, refunds are limited to those conditions where the student enters the Armed Forces or where the student has not met certain eligibility requirements per the policy. Beyond these standard rules, special exceptions are submitted to the Premium Review Board for final determination. The Premium Review Board is comprised of the COO, VP of Compliance, Director of Network Operations and the VP of Support Services.

Will there be a break in my coverage if my payment is a few days late?
Generally, a student in a voluntary program enrolls and submits payment at the same time. If you had the previous year’s insurance, your coverage will be continuous. The enrollment period is the first 30 days of classes.

When I graduate, does my coverage expire?
When a student graduates, he/she remains covered until the end of the coverage period which they enrolled.
If the student requests to be insured beyond that date, we are able to create a continuation plan identical to the plan he/she is currently enrolled. This plan is designed to meet the insurance needs of those students and dependents who no longer meet the eligibility requirements of the University. The continuation plan premiums are typically 50% higher than the plan of enrolled students.

How can I tell if I am covered or have a problem?
If the student has enrolled in the program and has any doubt whether they are covered, he/she should contact our Customer Service department, toll free, at 800-767-0700. Callers are able to access information pertaining to their Effective dates of Eligibility, Claim Status, Claim History, Claim Detail, Address information and FAQs. Another option is to send an e-mail to: customerservice@uhcsr.com.

What will I receive to prove I have coverage?
Students who enroll in the student health insurance will receive an ID card as proof of coverage.

Will I get a copy of my insurance policy?
Yes, each insured student will receive a policy brochure that will have the same language as their master insurance policy. Additionally, you may access these brochures electronically via our website, www.uhcsr.com.

Does the insurance use a PPO?
Yes it does. It is very important to use in order to access all the available benefits.

Are there any deductibles?
Yes, there is one; it is $100.

What is the pharmacy benefit?
It is $750 per year, available by reimbursement.

How do I get a new ID card if I can’t find mine?
The company website allows you to request an additional ID card to be mailed to you when needed. In addition, you can access the web to generate a PDF of your ID card to print out and be used immediately. www.uhcsr.com

If I am ill or have an accident, what should I do?
If the student is ill, they should first contact/visit the student health center. If there is a medical emergency, the student should make his/her way to the emergency room and contact our United Medical Resources (UMR) department via the number printed on their ID Card.

Do I have to use the student health service at my school?
The student health service at the school is designed to provide health services to the student at little or no cost to the student. It serves as your primary care provider, and will refer patients to specialists as needed.

What should I do if my student health center is closed or I am away from the college?
If the student health center is closed or the student is away from the college/university, and he/she is not posed with a medical emergency, the student should contact out customer service department, or access the “My Account” function on www.uhcsr.com to find a provider closest to the student.

How do I know if my particular illness or injury is covered?
Customer service representatives are accessible through toll-free telephone numbers. You may access information about coverage, the status of a claim, or discuss the manner in which a claim was adjudicated. Our customer service representatives have immediate access to the data base in the on-line system as well as access to physical claim copies.

Call to speak to a CSR during business hours M-F 7:00 AM to 7:00 PM CST at 1-800-767-0700.

Additionally, the school’s plan documents are available for the insured by access the My Account function at www.uhcsr.com.

What if I’m a UNO athlete?
This insurance excludes injuries sustained from intercollegiate sports.

UNO athletes are provided with their own health and accident insurance. For details, please contact UNO Athletics and/or your coach.

International students who are also athletes do not need to carry both insurances; they may have this insurance deleted from their fee bill.

FOR INTERNATIONAL STUDENTS, J-1 SCHOLARS, AND ESL STUDENTS ONLY:
All international/visa students must have health insurance by law. The UNO health insurance policy is automatically included in your tuition and fees by semester and meets the standards required by federal law. You may have the charge removed if you show proof of similar coverage from another insurance company or from your home country. This paperwork must be done by the end of the first week of the semester, preferably before you pay your tuition and fees. To accomplish this simply take the relevant documents to the Office of International Students and Scholars (BA 159, 280-6222 or 280-6021). By law, all international students must have insurance while they are in the country. If you will be in the U.S. prior to the insurance being in effect, you may purchase the insurance based on a daily rate up until the date the insurance becomes effective; simply contact our local agent. The insurance may also be purchased for optional practical training (OPT).

International student athletes will be provided with insurance through UNO Athletics.

They do not need to have both insurances and may have this one deleted from your fee bill.

Important contact information:
The plan is underwritten by
United HealthCare Insurance Company

Submit all claims or inquiries to:
United Healthcare Student Resources
P.O. Box 809025
Dallas, Texas 75380-9025
1-800-767-7000
customerservice@uhcsr.com
claims@uhcsr.com

Please read your policy carefully!