A FEW important details of the 2009-2010 PLAN:
Please also see the full benefit summary and master policy available on the Brochures and Forms page.
REFERRALSAll UT Knoxville students must use the resources of the Student Health Center first where treatment will be administered or referral issued. Expenses incurred for medical treatment rendered outside of the Student Health Center for which no prior approval or referral is obtained are excluded from coverage.
Please note previously submitted referalls from the Student Health Center expired 7/31/09, and new referrals are required for the 2009-2010 policy year. See the brochure or our referral guide for further details.
SERVICING AND CLAIMS
Servicing for the Student Health Plan is provided by UnitedHealthcare StudentResources (UHCSR). Please inform your providers of the new service line: 1-800-767-0700 and the new claims address: UnitedHealthcare StudentResources, PO Box 809025, Dallas, TX 75380-9025. UHCSR information will not be accessible through the standard UnitedHealthcare channels. New ID cards will be issued for the 2009-2010 policy year, and previous ID numbers are subject to change.
OPTIONAL MAJOR MEDICAL
A new selection this year, the Major Medical option increases the Maximum Benefit Paid as specified in the policy from $100,000 to $500,000. The rate for this increase is $340 per member, and student enrollment is required before dependent coverage can be added.
PRE-EXISTING CONDITIONS
The policy includes a pre-existing condition exclusion. Anyone on the Student Plan from 8/1/08 through 7/31/09 will be exempt from the pre-existing condition clause. Students new to the plan may be exempt if prior comparable coverage for a 12-month period exists.
INJECTIONS & LAB PROCEDURES
If injection claims (such as for allergies) or lab procedures are provided without a corresponding physician office visit, the bill amount will be subject to the policy deductible and coinsurance. When in conjunction with a physician’s office visit, these claims can be paid under physician co-pay benefits as specified in the policy.
FREQUENTLY ASKED QUESTIONS
Am I eligible for the student plan?
Degree seeking students registered for six or more undergraduate credit hours or three or more graduate credit hours and student participating in a co-op program or practice teaching are eligible to enroll in this insurance plan.
For students who are no longer eligible for the student plan, in between enrollment periods, or recent graduates you may apply for Short Term Medical coverage. To get more information or to enroll click here. If you have any questions about this coverage, you may call Assurant Health at 800-800-5453, or their local representatives at 865-599-9110 or 800-467-8460.
When can I enroll?
Enrollments for the 2009 Fall or Annual insurance and dental plans are closed. The deadline for purchasing this coverage was September 30, 2009. All payments and enrollment forms must have been received in our office or post-marked by that date. Please view the enrollment form for future enrollment periods. Online enrollment is also available for future enrollment periods. Pro-rated enrollment may be purchased in some cases if a qualifying event has occurred. Please call our office for details.
When do I pay the insurance premiums?
Payment is required in full with your enrollment. Unfortunately, we do not have a payment plan at this time. Please note credit card payments are subject to an additional 2.5% processing fee. This would also apply to debit cards. The processing fee can be avoided by paying with a personal check or money order. Do I have to enroll in the insurance each year?
Each Fall (August 1), the insurance plan renews with a new policy contract. Enrollment is not automatic, so you do have to enroll each time. You may also need to renew each semester depending on what you initially purchased. Please note that premiums, benefits, claims addresses, ID numbers, and contact information may change with each renewal. Please review the brochure or contact our office with any questions. Will I receive new health or dental ID cards this year?
New health insurance ID cards will be issued with enrollment in the new plan. If purchasing dental coverage, a separate ID for this will also be issued. If cards are not received within approximately two weeks from the time your enrollment is processed, please contact our office or StudentResources at 800-767-0700 to confirm your address or to order a duplicate card.
Please note, duplicate ID cards have been issued to students that received ID cards prior to August 20th, 2009. Referral wording has been added, however, the group, ID numbers, etc. have not changed.
What information can I access online?
Once your enrollment is processed and your coverage is active in the UnitedHealthcare StudentResources system, you may create an online account at www.uhcsr.com by entering your Name, Date of Birth, and SR ID (you may call our office or StudentResources for this). Your online account will allow you to: - Review claim status, correspondence and Explanations of Benefits (EOBs)
- Print your ID card or request a replacement ID card
- Locate a UnitedHealthcare Choice Plus network provider
- Enter accident details online
- Enter additional insurance information online
How soon can I use my health insurance or prescription card after enrolling?
Once enrollments are received in our office or completed online, there is a processing time of approximately 7 business days. During this time physicians and pharmacies will not have access to your information. If you do have to use your insurance before processing is complete, keep track of any medical bills or prescription receipts. These can be reprocessed once you are in the system or submitted to the insurance company along with a claim form. Please call our office with any questions.
Does the plan have a pre-existing condition clause?
Pre-existing conditions are excluded from the plan except for individuals who have been continuously insured under the school’s Student Insurance policy for at least 12 consecutive months. Or, the pre-existing condition exclusionary period will be reduced by the total number of months that the insured provides documentation of continuous coverage under a prior health insurance policy which provided benefits similar to this policy.
Can I keep the insurance if I drop a class or withdraw from school?
Students must actively attend classes for at least the first 45 days, counting from the first day of class, at the time of insurance enrollment. The minimum eligibility requirements during this time are six undergraduate or three graduate credit hours for degree seeking students. If the insurance company discovers the eligibility requirements have not been met, its only obligation is to refund premium.
Can I add health insurance for my dependents?
Health insurance coverage can be purchased for students and their spouse or children during the enrollment periods. Students must enroll in the coverage before any dependents can be added. If the student’s coverage is terminated for any reason, the dependent coverage will also terminate.
Can I add the optional Major Medical for my dependents but not myself?
Students must select the Major Medical option for themselves before dependents can also select the option. However, enrollment for all family members (dependents) is not required.
Can I add the optional Major Medical at anytime?
Enrollment in the Major Medical is only available during posted enrollment periods and is subject to all enrollment deadlines. These premiums cannot be pro-rated.
Can I add the optional dental coverage at anytime?
Dental coverage can be purchased until September 30, 2009. After the deadline, it cannot be added. Dental coverage can be purchased along with the student health insurance or separately. The coverage is annual and available to dependents as long as the student is enrolled in the dental plan.
I’ve received requests for information from the insurance company. What do I need to do?
After receiving a claim, the insurance company will often request information from you such as accident details, inquiries into other insurance that you or a family member may have or had previously, or proof of your status as a student. Claims can be delayed or initially denied if requested information is not received. You may call 800-767-0700 or log in to your account at uhcsr.com to provide most information. For student status letters you may contact the UT Registrar’s office or go to their website for instructions on requesting a student verification letter. In most cases, the letters can be forwarded on your behalf in a few days. See below for some helpful links.
A Note for Appointed Graduate Teaching Assistants:
Enrollment should happen automatically through your department at UT if you have an assistantship. Check with them to confirm that your information has been sent and is correct. We receive enrollment lists from UT Student Health Services, and these determine your start and end dates for the health insurance. However, if you would like to add dependents or any optional coverage, you will need to submit an enrollment form.
Coverage dates are determined by your department at UT, and we receive updates throughout the year regarding insurance enrollment. All coverage dates verified through our office or UnitedHealthcare StudentResources are subject to change without advance notice. If graduating or ending your employment at UT, it is imperative that you check with your department regarding your coverage. Dependent coverage may also be affected.