Student Health Insurance

We strongly recommend that all students have health insurance to defray the cost of their health care.

Can a student use their health insurance at the student health center?

No, we are not a participating provider with any insurance company. Patients are directly responsible for payment of fees at the health center at the time of their care. A visit form is provided to the student for each visit with the specific charges and this can then be submitted to the insurance company for reimbursement. We do not bill insurance companies directly. Health insurance needs to be utlizied when care is provided outside the health center. For example, if a student needs care at the emergency room or if a student needs additonal diagnostic tests or medications, health insurance would be utilized

What health insurance can a student obtain?

UnitedHealthcare StudentResources provides a health insurance plan for Frostburg State University students. The plan provides coverage for accidents and illnesses, on and off campus. Students may sign up for UnitedHealthcare at the beginning of the school term or within 30 days of being removed from another policy. Highlighs of the coverage and services are:

• Up to $75,000 Maximum Benefit paid for Covered Medical Expenses for each Injury or Sickness.
• $150 Student Deductible per Insured Person per policy year for Preferred Providers; $250 Student Deductible per Insured Person per Policy Year for Out-of-Network Providers.
• Medical Benefits pay 80% of Preferred Allowance for Preferred Providers and 64% of Ususal & Customary charges for Out-of-Network Providers
• Prescription Drug Benefits are 80% of U&C / $700 maximum per Policy Year after applicable $15 per prescription deductible has been met
• Included with every policy, the Collegiate Assistance Program (CAP) provides insured students access to registered nurses and masters level licensed clinicians 24 hours a day, 7 days a week. CAP can help with health questions, emotional wellness issues, as well as legal and financial concerns.
• Online Services where the insured can view coverage, print an ID card, or check claim status 24 hours a day
• Also provided with every policy, the UnitedHealth Allies® discount program provides 5% to 50% savings on dental and vision services, fitness clothing and equipment, and textbooks from McGraw-Hill Professional. The UnitedHealth Allies program is not insurance and is offered by UnitedHealth Allies, a UnitedHealth Group company.

For further information or to enroll go to www.uhcsr.com