STUDENT HEALTH INSURANCE
Frequently Asked Questions

Q. Am I eligible for coverage?

A. Full-time, co-op, and part-time students taking six or more credit hours are all eligible for coverage and will be automatically charged unless they have previously waived coverage during the current academic year. Graduate students registered for less than six (6) credit hours are eligible to enroll for coverage as long as they are registered for one (1) graduate credit hour each term they desire coverage (the graduate credit hour must be toward their degree and they must be matriculated into a program). The graduate student must submit an enrollment form by the third Friday deadline of the term they desire coverage.

Q. Am I covered by UC Student Health Insurance year-round? 

A. To prevent a lapse in summer coverage, the University divides the annual premium into three term or two semester (law students only) payments. Premiums are paid fall term, winter term, and spring term. The spring coverage extends through summer, with no additional premium required.

Q. What if I am currently covered by my parents', or spouses', health insurance?
A. If you are currently enrolled in a health insurance plan that is equal to, or better than UC Student Health Insurance, you may waive UC Student Health Insurance by submitting an on-line waiver by the deadline. All request for exclusion for the term/semester involved must be received by the third Friday of that term/semester. CHECK YOUR COVERAGE with your parent or partner, and take a moment to review your coverage. Listed below are some examples of situations in which you may find that you are not covered.

• If you are not a full time student;
  
• If you are an out-of-area student covered by an HMO or other managed care program, you may have limited benefits in Cincinnati;
  
• If you reach a maximum age limit (21 or 23) or are married, you often are not covered as a dependent under a parent's health insurance plan;
  
• If you declare financial independence to gain eligibility for financial aid programs, you may be ineligible for coverage as a dependent under a parent's plan- regardless of your age.
  

Q. Does the UC Student Health Insurance Plan provide Mental Health & Substance Abuse services? 

A. Patients who are in need of Inpatient care would receive Provider services and room and board (maximum $250 per day) up to a maximum benefit of $15,000 per Plan Year. Outpatient therapy for substance abuse at Central Clinic will be provided at $75 maximum per week up to a maximum benefit of $800 per Plan Year; there is a special coinsurance requirement of 25% for group therapy and 50% for individual therapy. All other outpatient care would be provided with a $48.00 (In-Network) maximum per visit up to a maximum benefit of $1800 per Plan Year.

Q. What are the services offered with the UC Student Health Insurance? 

A. Outpatient Services include:

• Diagnostic services
  
• Physical and occupational therapy treatment in an outpatient emergency department of a hospital or other facility for a medical emergency
  

Inpatient hospital and medical services include:

• Room and board (semi-private) 
  
• Ancillary services including operating and recovery room, anesthesia, prescribed drugs, medical and surgical supplies, diagnostic and therapy services 
  
• Physician and consulting physician services 
  
• Constant care in an intensive care unit when approved 

Maternity service benefits are provided for pregnancy and miscarriage on the same basis as any other temporary sickness. This Plan fully complies with Title IX of the Educational Amendment of 1972, as amended by the Civil Rights Restoration Act of 1987.