The University of Toledo : Student Health Insurance at The University of Toledo

Welcome

Student Health Insurance at The University of Toledo

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 regsitered for one hour must maintain health insurance. Students who are covered by another insurance plan may opt to waive UT's plan. Click on "how to waive."

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.

UT's Health Insurance Benefits at a Glance

Aggregate Maximum	$50,000 per illness/injury
Lifetime Maximum	$50,000 per illness/injury
Pharamcy Maximum	$1,000 per policy year
Mental Health Maximum	$3,000 per policy year

Annual Deductible
$0 per policy year (referred to a UT physician)
$100 per policy year (referred to a preferred provider)
$300 per policy year (without a referral to a preferred provider)
$500 per policy year (without a referral to a non preferred provider)

Expenses	UTMC	Preferred	Non-Preferred
Physician's Office Visit	100%	80% of NC after $20 copay per vist	60% of RC after $20 copay per visit
Inpatient Hospitalization	100%	80% of NC	60% of RC
Emergency Room	100% after ER copay of $150	80% of NC after $150 copay per visit	80% of RC after $150 deductible per visit
X-Ray and Lab	100%	80% of NC after $20 deductible	60% of RC
Prescription Drug	100% of NC $10 Generic Copay $25 Brand Name $60 Non-Preferred	80% of NC $5 Generic Copay $25 Brand Name Copay $40 Non-Preferred Copay	60% of RC $5 Generic Copay $25 Brand Name Copay $40 Non-Preferred Copay

NC: Negotiated Charge
RC: Reasonable Charge

How Much Does It Cost?

Domestic Students

Coverage	Fall 8/24/09 - 1/10/10	*Spring/Summer 1/11/10 - 8/23/10	**Summer Only 5/8/10 - 8/23/10
Student	$600	$965	$459
Spouse	$1,189	$1,911	$909
Child(ren)	$676	$1,087	$517
Spouse & Child(ren)	$1,866	$2,999	$1,426

International Students

Coverage	Fall 8/11/09 - 12/29/09	Spring/Summer 12/30/09 - 8/10/10	Summer Only 5/4/10 - 8/10/10
Student	$600	$965	$459
Spouse	$1,189	$1,911	$909
Child(ren)	$676	$1,087	$517
Spouse & Child(ren)	$1,866	$2,999	$1,426

* Available to students continuing fall coverage, or new students to UT starting Spring Semester
** Available to new students to UT starting Summer Semester.

You can enroll your spouse and/or child(ren) through the aetna website (www . aetnastudenthealth . com) or you may come to the MCMC on main campus or UHS on the health science campus. A form of payment (check, MasterCard, or VISA) will be needed at the time that you enroll.

Enrollment Deadline Dates

Fall 2009:	September 24, 2009
Spring 2010:	February 1, 2010
Summer 2010:	June 8, 2010

Where can I go for services?

Student Heatlh Clinics: First Stop. When you need care, make the Main Campus Medical Center (MCMC - Southwest side of campus across from I-House and Academic House) for main campus students or University Health Services (UHS - 2410 Dowling Hall) for health science campus students your first stop. Our highly trained and experienced staff offer a variety of services, which include primare and acute medical care; women's health care; counseling and psychiatric services; laboratory testing; prescriptions and over-the-counter medications.

You may also visit any health care provider directly and receives benefits from the Plan. However, when you visit the UT student health clinics first, you'll pay less out of your own pocket for your care.