Student Health Insurance Plan

Student Health Insurance Frequently Asked Questions

 

What is open enrollment?
Open enrollment is a time window in which students can elect and/or make changes to their student health insurance plan without proof of a qualifying life event. The student health insurance plan has three (3) open enrollment periods; Fall, Spring/Summer and Summer Only (summer only open enrollment is available to students newly enrolled to UToledo for summer semester). Please note:  students will need to enroll in the university-sponsored medical and prescription drug plan for both fall and spring/summer semesters to have coverage for the full year.

If I do not have the premium assessed to my student account, am I still eligible to enroll in the student health insurance plan?
Degree-seeking students enrolled in 1-5 credit hour(s) may voluntarily enroll in the student health insurance plan.  Students who voluntarily enroll will pay their premium directly to the insurance provider. Please note:  students will need to enroll in the university-sponsored medical and prescription drug plan for both fall and spring/summer semesters to have coverage for the full year.

Am I able to enroll my spouse and/or child(ren) in the student health insurance plan?
All students eligible for the student health insurance plan may voluntarily enroll their dependents during the open enrollment period. Students who voluntarily enroll their eligible dependents will pay their premium directly to the insurance provider. Please note:  students will need to enroll their eligible dependents in the university-sponsored medical and prescription drug plan for both fall and spring/summer semesters to have coverage for the full year.

I am enrolled in the student medical and prescription drug plan. How do I determine if my provider or facility of choice is in network or out-of-network?
The university-sponsored student health insurance administered by Anthem Student Advantage provides access to nationwide providers and in the area surrounding UToledo including the University of Toledo Medical Center, University Health Center on Main Campus and Student Health and Wellness Center on Health Science Campus.  For more information, please review the Anthem Provider Network and the Anthem Student Advantage UToledo Student Health Plan Insurance Overview.

Open enrollment has ended, and I just found out that I’m losing my health insurance coverage.  Am I still able to enroll in the student health insurance plan?
If you lose health insurance coverage outside of the open enrollment period, you may be eligible to enroll in the student health insurance plan at a prorated amount if eligibility requirements are met. Please e-mail studenthealthinsurance@utoledo.edu and inquire about qualifying life event enrollment.

Where do I get a copy of my student medical and prescription drug ID Card?
You may obtain a copy of your medical and prescription drug ID card by downloading Anthem’s Sydney Mobile App onto your smartphone.  Once downloaded, you will need to register utilizing your Rocket number.  Questions regarding the app should be directed to Anthem Student Advantage at 844.412.0752.

Does the student health insurance plan include dental or vision coverage?
Students and their eligible dependents may choose to voluntarily enroll in dental and or vision coverage.  Please note that the premium associated with dental and vision coverage is due in full prior to coverage being active.

Does the student health insurance plan provide coverage for prescription drugs?  If so, how much will my prescription drugs cost?
Students enrolled in the university-sponsored medical and prescription drug insurance plan does provide coverage for prescription drugs. Please review the Anthem Student Advantage UToledo Student Health Plan Insurance Overview as well as the Anthem Prescription Drug List for drug costs.

I currently have medical and prescription drug insurance coverage under another plan, but I do not currently have dental and/or vision coverage.  Do I have to enroll in the medical and prescription drug plan in order to enroll in dental and/or vision coverage?
Eligible students and their dependents may choose to enroll in any of the offered student health insurance plans.  For example, a student may have medical and prescription drug coverage under another plan but choose to enroll in the student dental and/or vision coverage.

Do I have to pay the entire student health insurance premium at once?
For students who have the university-sponsored student medical and prescription drug plan premium assessed to their student account will need to contact the Office of the Treasurer regarding any applicable payment options.

Students as well as all applicable dependents who voluntarily enroll in the university-sponsored student health insurance plan may pay the premium in full or set up a payment plan directly with the insurance provider. Any student that does not remit premium payments on time would be subject to losing coverage.

Please note that the university-sponsored dental and vision insurance plans are not subject to payment terms and the entire premium is due in full prior to coverage activation.

I have health insurance under another plan. Am I able to opt-out or waive the student health insurance plan?
A student who has the health insurance premium assessed to their account may submit a waiver to have the student health insurance premium removed from their student account by providing documentation of health insurance coverage under another plan.  Students will need to submit their waiver request through their myUT Portal by choosing the Student Health Insurance – Enroll or Waive link under the My Registration Steps section in My Toolkit.

The waiver must be completed by the published deadline.  Once the waiver has been accepted, it will remain on file for the academic year.  A new waiver will be needed each academic year.

I submitted my waiver, but I just found out that my insurance has either terminated or changed carriers.  How do I proceed?
By submitting the waiver, a student agrees to maintain health insurance coverage through another plan for the remainder of the academic year.  If coverage changes, students will need to update their waiver with the Student Health Insurance Office.  If coverage is terminated, then the student may be eligible to enroll in the Student Health Insurance through a qualifying life event.  Please e-mail studenthealthinsurance@utoledo.edu with your new waiver information or inquire about qualifying life event enrollment.

I missed the waiver deadline.  Am I still able to waive the student health insurance assessed to my student account?
To waive the student health insurance, students will need to submit their waiver prior to the published deadline.  Once the deadline has passed, the student be enrolled in the university-sponsored medical and prescription drug insurance plan and will be responsible for paying the premium assessed to their student account.

Do I have to submit a student insurance waiver request each term?
A student’s waiver will remain on the student’s account for the entire academic year.  A new waiver will need to be submitted each academic year.

When does the academic year begin and end?
For the purposes of the Student Health Insurance Policy, the academic year begins each fall term and ends the last summer term.

Last Updated: 10/14/20