Premier Plan Benefit Highlights

Student Health Insurance 2018 - 2019 Plan Year for Most Full-time Undergraduate and Graduate Students

Below are very brief injury and illness benefit highlights of the 2018-19 Premier Plan Summary. Refer to the Description of Benefits brochure for benefit details, specific exclusions, and limitations.

PLAN MAXIMUM:

Unlimited

STUDENT DEDUCTIBLE:

  • Prescriptions have a separate $150 Plan Year Deductible from the medical and mental health deductibles in Schedules 2, and 3.
  • Not applicable under Schedule 1. (The Student Health Center and Counseling and Psychiatric Service are Schedule 1 Providers.)
  • Students must pay the first $200 per Plan Year under Schedule 2 before the Plan pays for Medically Necessary Covered Expenses. (The UnitedHealthcare [UHC] Options PPO Network are Schedule 2 Providers.)
  • Students must pay the first $250 per Plan Year under Schedule 3 before the Plan pays for Medically Necessary Covered Expenses. Any Deductible met under Schedule 2 is applied to the Schedule 3 Deductible. (Non-PPO Providers, including worldwide Providers, are Schedule 3 Providers.) 

CO-PAYMENT COLLECTED AT THE TIME OF SERVICE:

  • $15 co-payment for covered Tier 1 medications,
  • $10 for a Schedule 1, Covered and Medically Necessary Outpatient Primary Care or Mental Health Visit (no deductible, 100% of Student Health Center or Counseling and Psychiatric Service billed charges after co-pay),
  • $25 for a Schedule 2, Covered and Medically Necessary Outpatient Physician Visit or Mental Health Visit (deductible applies, 100% of visit charge after co-pay, 90% of most other charges), 
  • $50 for a Schedule 2 & 3, Covered and Medically Necessary Urgent Care Visit (deductible applies, 100% of reasonable visit charge after co-pay, 90% of most other charges), and
  • $100 for a Schedule 2 & 3, Covered Emergency Room Services that meet the definition of Medical Emergency in the Plan documents (deductible applies, 100% of reasonable charges after co-pay).

CO-INSURANCE:

Co-insurance is the percent of Covered Expenses that the Plan will pay after applicable Deductibles and Co-payments. Insureds are responsible for the balance of remaining charges. The following represents typical co-insurance for the Premier Plan:

  • Tier 2 and 3 medications, 80% of medication, pre-authorization  (PA) is required for some specialty medications,
  • Schedule 1, 100% of Student Health Center and Counseling and Psychiatric Covered Expenses, after a $10 co-payment for a visit to diagnose, consult, or treat an illness or injury
  • Schedule 2, 90% of Preferred Allowance of UHC PPO Choice Plus Network Provider's Covered Expenses, and
  • Schedule 3, 70% of other worldwide Provider's Covered Expenses.

OUT-OF-POCKET MAXIMUM:

Once a student has met the applicable out-of-pocket maximum, the Plan pays 100% of covered expenses. The Out-Of-Pocket maximum for Covered Medical and Mental Health Expenses is: 

  •  $5,000 per insured for In-Network benefits not to exceed $10,000 per family; and,
  •  $12,500 per insured for Out-of-Network benefits.