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University Health Services

Bloodborne Pathogen Exposure Insurance

2012/13 Bloodborne Pathogen Exposure Insurance

The University of Cincinnati has an insurance policy available for students who may be exposed to human bloodborne pathogens related to the students’ academic activities.  It will cover students who volunteer at free clinics. This policy covers all related medical expenses for the first 30 days after an exposure, anywhere in the world, without any co-payment or deductible up to a maximum of $10,000.  This policy covers HIV prophylaxis and hepatitis C testing, which are not covered by many health insurance policies (note: the UC Student Health Insurance (SHI) Plan includes these benefits).  This policy does not cover bloodborne pathogen exposures that occur while being a paid employee.  It does not cover expenses related to activities that are not related to school activities such as sexual contact.  It does not cover exposures from legal or illegal drug usage.

The cost of the policy is $37 per policy year.  The effective dates are 8/12/2013 until 8/11/2014.  The premium will not be pro-rated regardless of an class registration date beginning any time after 8/12/2013.  There is no premium refund if students drop out of school or if students purchase the UC SHI in a subsequent term.   

This policy is available for any program within UC that wishes to mandate the BPEI for all students enrolled in that specific program.  Once a UC program has decided to offer, and has requested the assessment of, the Bloodborne Pathogen Exposure Insurance (BPEI), the premium is automatically assessed to the tuition bill.  This assessment will occur in the first term of every policy year for which the student is enrolled in a program with the BPEI requirement, regardless of the time of year. Any student who has UC SHI is not charged for the BPEI unless that student loses eligibility under UC SHI within that same academic year. Once a student remains enrolled in a program with the BPEI requirement, there will be no refund of the 37.00 premium.

Program Directors wishing to add this coverage for a specific program must contact Ken Wolterman (phone: 556-4348) to arrange for the programming change.

Following an exposure, a student should report to the East Campus University Health Services (UHS) located on the first floor of the Holmes building which is at 200 Albert Sabin Way (corner of Eden Avenue and Albert Sabin Way), Cincinnati, Ohio  45267.  Hours of operation are 8:00-4:15 on Mondays, Tuesdays, Thursdays and Fridays and 10:00-4:15 on Wednesdays.  If it is not feasible to go to the East Campus UHS, the student may go to any hospital emergency room.  Follow-up after an exposure by calling 513-584-4457.  Claim forms are available on line at http://www.klais.com or at the east and west campus University Health Services clinics.  Claims should be filed with HealthSmart, 1867 West Market Street, Akron, OH 44313.  Claim status may be checked on line at http://www.klais.com or by calling 1-800-331-1096.  Contact the UC SHI Office at 556-6868 for any questions.