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 |
|
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 |
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.
| Other Questions? |
Contact: Aetna Student Health
Phone: 866-746-6591
www.aetnastudenthealth.com
Or contact the Medical Center Insurance Office located on the main campus at:
419-530-3474 or 419-530-3493