FAQ

Degree-seeking students registered for 6 or more undergraduate credit hours or 3 or more graduate credit hours and students participating in a co-op program are eligible to enroll in this insurance plan. Credit hours can be a combination of on-line and attending classes on campus, with a minimum of 1 credit hour on campus.  The student must actively attend classes for at least the first 31 days after the date for which coverage is purchased to fulfill eligibility.  Students who are online only are not eligible to enroll.

Please reference the plan certificates for full details. Below is a list of Exclusions and Limitations to the Accident and Sickness policy.

For students in between enrollment periods, or recent graduates, you may be eligible for enrollment through the Marketplace. To get more information or to enroll click here.

If not eligible for enrollment in the Student Health Insurance or through the Marketplace, short term insurance may be an option. To get more information or to enroll click here. If you have any questions about this coverage, you may call UnitedHealth One at 800-273-8115.

Fall 2024 and Annual 2024-25 Enrollment. The deadline for purchasing this coverage is September 20, 2024.  All payments and enrollment forms must be received in our office or post-marked by this date.

Spring 2025 Enrollment. The deadline for purchasing this coverage is January 31, 2025. All payments and enrollment forms must be received in our office or post-marked by this date.

Summer 2025 Enrollment. The deadline for purchasing this coverage is May 31, 2025.

In the case of a qualifying event such as loss of coverage due to an employment change, being dropped from your parent's coverage at age 26, having a baby or a change in your marital status please contact our office within 30 days of the event for possible mid-term enrollment.

Payment is required in full with your enrollment. Unfortunately, we do not have a payment plan at this time. Please note: credit or debit card payments are subject to an additional 2.5% processing fee. The processing fee can be avoided by mailing an enrollment form with a personal check or money order. It is also possible to pay by E-check on the enrollment form, subject to an additional 0.75% processing fee.  Click here to enroll via DocuSign using E-check.

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, online or by mail/fax. We cannot accept payment or renewal information by phone. 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.

ID Cards will not be automatically mailed but will be available online once your enrollment has been processed.  Click here to create an online account by entering your 7-digit Insurance ID number or the email address listed on your enrollment form. Through My Account you can view or print a copy of your ID Card, download it to a mobile device, or request a card by mail. 

UnitedHealthcare StudentResources Insureds have online access to claims status, EOBs, ID Cards, network providers, correspondence and coverage information by logging in to My Account at www.uhcsr.com/myaccount. Insured students who don’t already have an online account may simply select the “create My Account Now” link. Follow the simple, onscreen directions to establish an online account in minutes using your 7-digit Insurance ID number or the email address on file.

You may call UnitedHealthcare StudentResources at 888-799-7716 and ask to be directed to their United Behavioral Health Division or you can search for mental or behavioral health providers and facilities by clicking here. 

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.

Enrollments received 14 days prior to the period effective date may experience processing times longer than 7 days.

No, the plan does not include a pre-existing condition exclusion or limitation.    

Students must actively attend classes for at least the first 31 days, counting from the first day of class, at the time of insurance enrollment. The minimum eligibility requirements during this time are 6 undergraduate or 3 graduate credit hours for degree-seeking students, with a minimum of one credit hour on campus. If the insurance company discovers the eligibility requirements have not been met, its only obligation is to refund premium.

Health insurance coverage can be purchased for students and their spouses 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.

Domestic partners may be added as a dependent at the spouse rate. Students must enroll in the coverage before a domestic partner may be added as a dependent, and if the student's coverage is terminated for any reason the dependent coverage will also terminate.

Domestic partner means a person who is neither married nor related by blood or marriage to the Named Insured but who is:  1) the Named Insured’s sole spousal equivalent; 2) lives together with the Named Insured in the same residence and intends to do so indefinitely; and 3) is responsible with the Named Insured for each other’s welfare. A domestic partner relationship may be demonstrated by any three of the following types of documentation: 1) a joint mortgage or lease; 2) designation of the domestic partner as beneficiary for life insurance; 3) designation of the domestic partner as primary beneficiary in the Named Insured’s will; 4) domestic partnership agreement; 5) powers of attorney for property and/or health care; and 6) joint ownership of either a motor vehicle, checking account or credit account.

No. Dental or vision coverage can be purchased ONLY on an annual basis during Annual open enrollment. Coverage can be purchased along with the student health insurance or separately. The coverage is available to dependents as long as the student is enrolled in the coverage. 

Pediatric vision is included in the student health insurance plan for insureds and dependents under age 19.

A separate Vision plan is available for purchase on an Annual basis during Fall open enrollment only. Coverage is also available to dependents as long as the student is enrolled.  Click here to view the vision benefit summary. 

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 also need to contact your doctor's office to release records in some cases.

You may call 888-799-7716 or log in to your account at uhcsr.com to provide most information.

In many cases a copy of your current transcript or enrollment verification certificate from the National Student Clearinghouse will be accepted as proof of student status. If your enrollment couldn't be verified using this information, UHCSR will send a letter through the Message Center in your account at uhcsr.com. This letter will need to be completed by an authorized school official. Click below to be directed to your campus' records office for assistance.

UT Chattanooga

UT Knoxville

UT Martin

If you receive an unexpected medical bill, do not ignore it! Check your account at www.uhcsr.com to view the Explanation of Benefits (EOB) to verify the insurance company processed the claim correctly or if additional information is required from you to process it.  If everything looks correct, but you need help paying the balance, you should reach out to the billing department for assistance or see the below resources provided by the University.

UTK’s Emergency Fund link: https://studentlife.utk.edu/dos/emergency-fund/

UTC’s: https://www.utc.edu/enrollment-management-and-student-affairs/student-outreach-and-support/student-emergency-fund

UTM’s: https://www.utm.edu/offices-and-services/division-of-student-affairs/student-affairs-emergency-fund.php

Enrollment should happen automatically through your department at UTK if you have an assistantship. Check with them to confirm that your information has been sent and is correct. We receive enrollment lists from the UT Knoxville Student Health Center, and these determine your start and end dates for the health insurance. However, if you would like to add dependents or any dental coverage, you will need to submit an enrollment form by mail, or to submit electronically you may enroll online using a credit card or via DocuSign using E-check.

DO NOT rely on coverage dates provided by the insurance company. These, along with dates verified through our office, are subject to change without advance notice. Final coverage dates are determined by your department at UTK, and we receive updates throughout the year regarding insurance enrollment. If you are graduating or ending your employment at UTK, it is imperative that you check with your department regarding your coverage. Dependent coverage may also be affected. If you do not have a 12 month assistantship and would like to self-enroll for the remainder of the plan year, please contact our office at 865-691-4652 or studenthealth@hildrethins.com.

All international students are required to purchase this insurance plan unless proof of comparable coverage is furnished. Students will be automatically charged for the insurance at the time of enrollment, and payment must be made to the University Bursar’s Office. Coverage for Knoxville international students who have an assistantship as a GA/GTA/GRA will be paid by the student's department for the period of their appointment only.

Dependent coverage for registered students may be purchased online here with credit card payment, via DocuSign with eCheck payment, or by submitting an enrollment form. Dependent coverage must be purchased by September 20, 2023, for the Annual and Fall terms, and by January 31, 2024, for the Spring/Summer term. Students enrolling for the first time in Summer Term should enroll their dependents as soon as they arrive. Students whose assistantships are ending before they graduate should contact Student Health Services immediately to arrange for continued coverage if needed.

International scholars, and F-1 and J-1 students who have been approved for Practical Training or Academic Training, may purchase insurance through the Center for International Education. A more detailed breakdown of monthly costs is available in the Center for International Education. 

Enrollment links:

Print an Enrollment Form

Enroll Online through Docusign

Students attending classes at the Nashville campus who are enrolled in the College of Social work can enroll in coverage if they meet eligibility requirements indicated in the policy brochure.  See FAQ 1 "Who is eligible for the student plan?" for details.  Since the program is affiliated with UT Knoxville you will enroll as a Knoxville student, but you are ineligible for services at the Knoxville Student Health Center. Please contact the Hildreth Agency directly and inform us that you are enrolled in the UT Nashville College of Social Work.

If you are a degree seeking undergraduate student enrolled in 6 or more undergrad credit hours through the UTHSC campus but are attending classes at UT Knoxville, you may enroll in the Knoxville plan on a voluntary basis.

Due to contracting agreements, UT Memphis students are not eligible for the UT Knoxville health insurance plan with the exception of the undergraduate students mentioned above.  Please click here or contact UTHSC at 901-448-5630 for information regarding your school sponsored insurance.