Medical Center

UT Student Health Insurance:  Overview and Rates

Why Have Insurance?

Many students do not recognize the value of a good insurance 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.

The University of Toledo has a mandatory health insurance policy that indicates that domestic students registered for six or more on campus hours and International students registered for one hour or more must maintain health insurance.  Students who are covered by another insurance plan may opt to waive UT's plan.  If you have any questions regarding health care reform, please visit www.hhs.gov/healthcare/rights.

Co-op students and graduate students registered for less credit hours may purchase the insurance.  In addition, enrolled students may purchase insurance for their dependents. 

Where can I go for services?

Student Health Clinics:  First Stop.  When you need care, make the Main Campus Medical Center -419-530-3451 (MCMC - Southwest side of campus across from I-House and Academic House) for main campus students or Student Health and Wellness Center located in the Lower Level Suite #003 of Ruppert Health Center 419-383-3777 for health science campus students your first stop.  Our highly trained and experienced staff offer 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 insurance plan.  However, when you visit the UT student health clinics first, you'll pay less out of your own pocket for your care.

RATES

** CampusFirst Plan I - Premium for student will be billed to your student account and can be waived with proof of comparable coverage.

Annual

Fall

Spring/Summer

Summer

  8/11/14 - 8/10/15 8/11/14 - 12/31/14 1/1/15 - 8/10/15 5/16/15 - 8/10/15
Student Only

$3,590.00

$1,457.00

$2,133.00

$1,110.00

Student + Spouse

$7,662.00

$3,109.00

$4,553.00

$2,369.00

Student + Children

$4,365.00

$1,771.00

$2,594.00

$1,350.00

Family

$12,019.00

$4,877.00

$7,142.00

$3,716.00

         

CampusFirst Plan II - Comprehensive plan for International or Domestic students that may want to offset their out-of-pocket at High Deductible Plans, and out-of-State HMOs or plans with insufficient local area coverage.

Annual

Fall

Spring/Summer

Summer

  8/11/14 - 8/10/15 8/11/14 - 12/31/14 1/1/15 - 8/10/15 5/16/15 - 8/10/15
Student Only

$2,625.00

$1,065.00

$1,560.00

$812.00

Student + Spouse

$5,604.00

$2,274.00

$3,330.00

$1,733.00

Student + Children

$3,192.00

$1,295.00

$1,897.00

$987.00

Family

$8,790.00

$3,567.00

$5,223.00

$2,718.00

         
CampusFirst Plan III - Supplemental Prepaid Main Campus, Student Health and Wellness, and UTMC plan.

Annual

Fall

Spring/Summer

Summer

  8/11/14 - 8/10/15 8/11/14 - 12/31/14 1/1/15 - 8/10/15 5/16/15 - 8/10/15
Student Only $404.00 $164.00 $240.00 $125.00
Student + Spouse $863.00 $350.00 $513.00 $267.00
Student + Children $492.00 $200.00 $292.00 $152.00
Family $1,354.00 $550.00 $805.00 $419.00

**CampusFirst Plan I - is a comprehensive plan for both Domestic and International Students. It is the Intent of this plan to offer coverage that meets or exceed the Minimum Essential Coverage requirements as set forth by the Federal Department of Health and Human Services.

Waiver and Enrollment Deadlines
(* New or Transfer Students Only)
Fall 09/30/2014
Spring/Summer 01/30/2015
Summer * 07/01/2015

CampusFirst Plan 2 - is a comprehensive plan for International or those Domestic students that may wish to purchase supplemental coverage to offset their out of pocket costs under High Deductible Plans, Out-of State HMOs or plans with an insufficient local area provider network in the greater Toledo area. Students without other primary coverage that may satisfy the Individual Mandate, as set forth under Health Care Reform, may purchase this plan as primary coverage, but it is understood that a tax consequence may be imposed by the Internal Revenue Service (IRS) for holding coverage that does not meet the Minimum Essential Coverage (MEC) requirements, as set forth by the Federal Department of Health and Human Services.

CampusFirst Plan 3 - is a supplemental plan intended for those students that may have other coverage, but may want to pre-pay for all Primary Care Services rendered through the Main Campus Medical Center, Student Health and Wellness, or UTMC. It also includes a modest out-patient and Rx benefit to help off-set the student’s out-of-pocket costs under a high deductible plan or a plan with and insufficient network in the greater Toledo area. As this is a supplemental policy, please consult with the insurance agent or human resource representative to understand any implications that may result from electing this coverage in addition to your other insurance policy.

**Premium for Students will 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.  Coverage for the Supplemental Pre-Paid Plan 3, 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 https://www.welldynerx.com/  

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 $218.64
Student & 1 Dependent $443.04
Student & Family $1148.52

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, at Main Campus Medical Center (419-530-3474) or SEBT (Student Educational Benefit Trust) Student Insurance Liaison with any benefit questions (1-877-233-5159).

Last Updated: 3/22/15