Medical Center

UT Student Health Coverage:  Overview and Rates

Why Have Health Care Coverage?

Many students do not recognize the value of a good coverage plan because the majority of students are young, healthy, and living on a very tight budget.  However, unforeseen health care expenses can easily disrupt a student's college career.

Student Health Coverage Plan for 2016-2017

The University of Toledo believes it is important that all students maintain health care coverage to help ensure academic success and well-being. To be in compliance with the Affordable Care Act (ACA), all individuals are required by law to have health insurance coverage. To assist with this goal, The University of Toledo is again offering the Student Health Coverage Plan, run by Student Educational Benefit Trust (SEBT)-Medical Health Services (MHS), a wholly owned subsidiary of Medical Mutual of Ohio. Pharmacy coverage is included; students may also select optional vision and dental coverage plans. We believe the Plan provides excellent levels of health coverage, with low out-of-pocket costs when compared to plans offered commercially or through the  ACA website.

The new Plan begins August 11, 2016 and ends August 10, 2017. Students may enroll for fall and/or spring, plus summer, as currently available. The Fall 2016 Open Enrollment period begins on July 07, 2016 and the Open Enrollment/Waiver period ends September 30, 2017.

New for 2016-2017  

All students attending the University of Toledo and enrolled for one (1) credit hour or more are eligible to enroll in one of the student health coverage plans.  International students holding J-1 visas, student athletes and students in programs requiring healthcare coverage will have the cost of the appropriate undergraduate or graduate Bronze level plan assessed to their student accounts.  Programs requiring students to have healthcare coverage for the 2016-2017 school year are the MD program and programs in the Colleges of Health and Human Services, Pharmacy & Pharmaceutical Sciences and Nursing.  The Bronze plan meets the individual mandate for healthcare coverage, the minimum essential coverage requirements as set forth by the Health Care Reform, and the J1 visa requirements as set forth by the U.S. Department of State.  Students may waive this coverage with proof of comparable health insurance coverage online via their MYUTPORTAL.  If you do have other insurance, it is important to contact your insurance company’s Human Resource Manager or Agent to understand how these optional benefit plans could impact your high deductible health plan or out-of-state HMO. Students whose programs require a student benefit plan, international J-1 visa students and student athletes who do not complete an online waiver, with the necessary proof of current insurance prior to the waiver deadline, will be enrolled in the Bronze plan and the cost of the plan will be billed as part of their tuition.

All other University of Toledo students may enroll voluntarily in the SEBT health coverage Plan by going to the SEBT website and providing your information and payment. Alternately, you may choose to purchase health care coverage through the  ACA federal exchanges or enroll on parent, spouse or family health care plans

Where can I go for services?

Student Health Clinics: First Stop.  When you need care, make the Main Campus Medical Center 419-383-5000 for central registration and scheduling, (MCMC is located at the  - Southwest side of campus across from I- House and Academic House, next to Rocket Hall) for main campus students or Student Health and Wellness Center located in the Lower Level Suite #003 of Ruppert Health Center 419-383-5000 for health science campus students your first stop. Our highly trained and experienced staff offers a variety of services, which include primary and acute medical care; women's health care; counseling and psychiatric services; laboratory testing; prescriptions and over-the-counter medications.

You may also visit outside physicians that participate with the student health coverage plan.  However, when you visit the UT student health clinics first, you'll pay less out of your own pocket for your care.

 

**UNDERGRADUATE STUDENT INSURANCE PREMIUM RATES**

BRONZE PLAN
UNDERGRADUATE DOMESTIC/INTERNATIONAL

- Deductible $0/$500/$1000
- Unlimited Medical with $6,250 Out of Pocket MAX
- Unlimited Pharmacy with Patient Co-Pay



Fall 2016

(August 11, 2016 - December 31, 2016)




 

Spring 2017/Summer 2017 
"*"
(January 01, 2017 - August 10, 2017)
 




Summer 2017
"*"
(New or Transfer Student Only)

(May 15, 2017 - August 10, 2017) 

Student Only  $640.00 $937.00 $487.00
Student + Spouse $2,342.00 $3,431.00 $1,785.00
Student + Children $1,658.00 $2,430.00 $1,264.00
Family $3,362.00 $4,922.00 $2,561.00
       
 SILVER PLAN
UNDERGRADUATE DOMESTIC/INTERNATIONAL

- Deductible $0/$400/$800
- Unlimited Medical with $5,250.00 Out of Pocket MAX
- Unlimited Pharmacy with Patient Co-Pay
      
Student Only $785.00


$1150.00


$598.00

Student + Spouse  $2874.00  $4209.00  $2190.00
Student + Children  $2035.00 $2982.00  $1551.00
Family  $4125.00  $6040.00  $3143.00
       
 GOLD PLAN
UNDERGRADUATE DOMESTIC/INTERNATIONAL

- Deductible $0/$300/$600
- Unlimited Medical with $4,250 Out of Pocket MAX
- Unlimited Pharmacy with Patient Co-Pay
     
Student Only $942.00 

$1374.00 

$717.00 

Student + Spouse  $3436.00  $5042.00  $2623.00
Student + Children  $2439.00  $3564.00  $1858.00
Family  $4939.00  $7227.00  $3758.00

**GRADUATE STUDENT INSURANCE PREMIUM RATES**

BRONZE PLAN
GRADUATE DOMESTIC/INTERNATIONAL

- Deductible $0/$500/$1000
- Unlimited Medical with $6,250 Out of Pocket MAX
- Unlimited Pharmacy with Patient Co-Pay



Fall 2016

(August 11, 2016 - December 31, 2016)




Spring 2017/Summer 2017 
"*"
(January 01, 2017 - August 10, 2017)
 




Summer 2017
"*"
(New or Transfer Student Only)

(May 15, 2017 - August 10, 2017) 

Student Only  $832.00 $1218.00 $634.00
Student + Spouse $3045.00 $4461.00 $2321.00
Student + Children $2156.00 $3160.00 $1644.00
Family $4371.00 $6401.00 $3,330.00
       
 SILVER PLAN
GRADUATE DOMESTIC/INTERNATIONAL

- Deductible $0/$400/$800
- Unlimited Medical with $5,250 Out of Pocket MAX
- Unlimited Pharmacy with Patient Co-Pay
      
Student Only $1021.00 


$1495.00 


$778.00 

Student + Spouse  $3738.00  $5473.00  $2848.00
Student + Children  $2646.00  $3877.00  $2017.00
Family  $5364.00  $7853.00  $4087.00
       
 GOLD PLAN
GRADUATE DOMESTIC/INTERNATIONAL

- Deductible $0/$300/$600
- Unlimited Medical with $4,250 Out of Pocket MAX
- Unlimited Pharmacy with Patient Co-Pay
     
Student Only $1224.00 


$1787.00


$932.00 

Student + Spouse  $4467.00  $6556.00  $6410.00
Student + Children  $3172.00  $4635.00  $2416.00
Family  $6422.00  $9397.00  $4886.00

 

SUPPLEMENTAL RATES (**This is not primary health care coverage you must have, other primary health insurance to sign up for this supplemental plan, this is only intended to help with the cost of your other primary high deductible plans **)

UNDERGRAD/GRADUATE PLAN
SUPPLEMENTAL DOMESTIC/INTERNATIONAL

- Deductible $0/$350/$600
- Medical Annual Benefit Limit $2,500
- RX Maximum Benefit Limit $350


Fall 2016

(August 11, 2016 - December 31, 2016)




Spring 2017/Summer 2017 
"*"
(January 01, 2017 - August 10, 2017)
 




Summer 2017
"*"
(New or Transfer Student Only)

(May 15, 2017 - August 10, 2017) 

Student Only   $110.00  $161.00  $84.00
Student + Spouse $403.00 $590.00  $307.00
Student + Children $285.00  $418.00 $217.00
Family $578.00 $846.00 $440.00

 "*"Spring/summer semesters are combined and cannot be separated so students can maintain continuous during the entire academic year.  Summer semester premium rate is only for " New or Transfer" Students only. 

All students are eligible to sign up for the student insurance at a pro-rated premium fee via paper application, if they have a loss in coverage due to a "Qualifying event", within 31 days of said qualifying event, for further information please contact the student insurance office at the phone number listed at the bottom of the page.

Waiver and Enrollment Deadlines
Fall 09/30/2016
Spring/Summer 01/31/2017
Summer * 07/01/2017

**Premiums for Students whose programs require you to have health care coverage will only be billed as part of your tuition. In order for coverage to be active, the student’s account must be paid in full or the student has entered into a payment plan. Other UT students may Voluntarily enroll in the Domestic/International Undergraduate or Domestic/International Graduate (Bronze/Silver/Gold plans) by logging into your MYUT portal. Coverage for the Supplemental pre-paid plan, Dependents, Vision and Dental are the responsibility of the Student are only accessible through logging into your MYUT. From the MYUT, click on the enrollment button and you will be able to enroll and pay for the additional lines of coverage.

Benefit Management for RX:  Drug Formulary - https://magellanrx.com/member/external/commercial/common/doc/en-us/MRx_Formulary_Full.pdf   Specialty Drug list  -   https://magellanrx.com/member/external/commercial/common/doc/en-us/MRx_Formulary_Specialty.pdf .  

Provider search link inside Ohio https://providersearch.medmutual.com/NetworkRealignment.aspx

Provider and facilities search outside the state of Ohio https://apps.globalcare.net/eMDnet/start.aspx

Voluntary Delta of Ohio Program (Annually)
www.deltadentaloh.com 1-800-524-0149

Student Only $240.48
Student & 1 Dependent $487.32
Student & Family $1263.36

Voluntary Davis Vision Program (Annually)
www.davisvision.com 1-800-521-2651

Student Only $72.00
Student & Children $156.00
Student & Spouse $231.00
Student & Family $341.00

If you should have any questions regarding benefits or waivers, please contact:
Tonya Tressler, Student Insurance Management Representative or her, Student Insurance Office Assistant .
Main Campus Medical Center (419-530-3474) (419-530-3418 fax).
or
SEBT (Student Educational Benefit Trust) Student Insurance
Liaison with any benefit questions (1-800-367-3762).

Last Updated: 7/5/16