University of Utah Student Health Insurance

Good health is important to earning your college degree. And health insurance allows you to get the help you need if your sick to get back to good health. Unexpected medical bills can derail your ability to finish your degree if you are uninsured or have poor health insurance coverage. The University of Utah and ASUU strongly suggest all students have health insurance.

1. Why Student Health Insurance?

No Medical Questionnaire
Simply sign name, pay premium and you have coverage
Part-Time* University of Utah students cannot be declined
Cannot be charged more that any other participant regardless of medical condition.

2. What About Maternity costs?

Maternity Services are generally available when coverage has been in effect for a designated period. A pregnancy which commenced prior to the effective date of the policy is usually considered a pre existing condition and is not covered. Legally most policies conform to the Federally Mandated Title IX of the Education Amendments of 1972, as amended by the Civil Rights Restoration Act of 1987, which states pregnancy is to be treated as any other illness.

3. What are some commonly used Vocabulary?

Pre-existing Condition- A condition (physical and/or medical) that existed or which a participant was being treated prior to the effective date of coverage under a given insurance policy.
Premium- The amount of money you pay for the policy you select. Premiums are usually paid on a semester or yearly basis.
Claim- Your (or your doctor’s) written request for payment by the insurance company for a cost incurred and covered by your policy.
Deductible: The initial portion of a covered expense which must be paid by the insured person before the insurance policy pays its part of the expense.
Co-Payment- The portion of a covered expense, after the deductible is paid, which must be paid by the insured individual. The co-payment is usually expressed in a percentage, for example, if insurance company pays 80% of covered charges the co-payment is 20%.
Exclusion- Any condition which is not covered by your insurance policy and for which no payments will be made
Covered Expense- Any expense that is included in the coverage of your policy, either full or partial.
Insurance Policy The written contract which spells out the plan, what it covers and does not cover, eligibility requirements and all benefits of the plan as they apply to individuals covered under the policy.

University of Utah Student Health Insurance

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