Student Insurance
Adequate health insurance coverage is a major issue facing today's college students. With the rising cost of health care coverage, many students are challenged to obtain health care due to the fact that they are either uninsured or under insured. Upon entry to Barry University a great deal of our student population is covered by private insurance plans. However as the years pass,many students lose coverage for one reason or another. In addition, many international plans and out-of-state managed care plans are not transferable to the Miami area. Unfortunately, when individuals covered by out-of-area managed care plans do have occasional illnesses requiring prescriptive care, they are forced to seek emergency room care. This is a major inconvenience resulting in long waiting times and frequent claim denials for non-emergent care provided in a hospital setting. This can result in large out-of- pocket expenses. For the protection of all of our students Barry University has a strict policy regarding health insurance coverage.
All students residing in campus housing and all international students attending Barry University on an F-1 or J-1 visa are required to provide proof of adequate health. Failure to comply with the University policy may negatively affect the student's registration process and/or the arrangements for campus housing. Proof of insurance and a completed insurance waiver must be received in the Student Health Center (SHC) upon entering the University and, on an annual basis thereafter prior to the first 14 days of the semester or, the fee for the Barry sponsored student insurance plan may be assessed to the student's account. Please go to www.SRStudentCenter to access the waiver. If a student insurance fee has been assessed to a student's account due to lack of compliance with the university policy, such fees are irrevocable and will not be credited under any circumstance. Please go to Student insurance link for a complete explanation of adequate insurance. http://www.barry.edu/healthservices/studentInsurance/Default.htm
Adequate coverage is defined as insurance benefits comparable to the SHC sponsored plan:
- access to primary care (emergency only care is not comparable coverage)
- Inpatient coverage of 80% of Usual and customary reimbursement
- prescriptive medications
- inpatient and outpatient mental health benefits (including alcohol and substance abuse treatment)
- an individual deductible not to exceed $1500 per policy year
- Maternity benefits
- the insurance company must be licensed to do business in the State of Florida
International Insurance must include all the above plus:
- Repatriation of $10,000
- Medical Evacuation of $25,000
- Claims Agent in the United States
- Claims payable in United States dollars
Students with limited out of area coverage or otherwise inadequate coverage are urged to carefully review their options before waiving the SHC sponsored insurance plan. Deadlines to waive the insurance are prior to the first 14 days of the semester. Those students who are required to maintain adequate insurance who do not submit an approved waiver form may have their student account assessed the amount of the premium for one semester of student insurance. If a student insurance fee has been assessed to a student's account due to lack of compliance with the university policy, such fees are irrevocable and will not be credited under any circumstance.
There are three student sponsored plans offered to all fulltime undergraduate and all graduate students taking 4 or more credits. The traditional Miami campus plan provides coverage for all undergraduate students. The graduate and distant site plan provides coverage for students who do not have access to the main campus SHC. Both plans provide an option for dependent coverage. The supplemental policy is designed to provide SHC coverage only for students who are covered by private insurance but prefer to receive their health care at the SHC.
The current student health insurance plan is underwritten by:
UnitedHealthcare StudentResources
805 Executive Center Drive West Suite 220
St. Petersburg , Florida 33702
1-800-237-0903
Due to multiple changes in the insurance industry, it is the responsibility of the student to submit an approved insurance waiver on an annual basis.
Delaying health care can negatively effect the student's academic progression. Barry offers a very affordable student health plan. To better serve our students, the student Health Center is pleased to offer 3 plans for our diverse student population for the 2007/2008 academic year.
Our primary Student Health Plan is designed for our undergraduate population to cover 100% of all services provided at the Student Health Center , including vaccinations ($100 max) and well physicals. The plan pays 80% of in-network services at off-site providers after deductibles and co-payments apply.
We are pleased to once again offer a supplemental plan for the 2007/2008 academic year to students with a primary insurance plan. This plan is designed specifically for use at the Student Health Center for students that have limited transportation to off-campus providers. This plan provides 100% coverage for all services offered at the Student Health Center , including vaccinations and well physicals up to a maximum of $1000 per injury or sickness.
Our third plan is designed specifically for our graduate students and students taking classes at distant site campuses. This plan is designed to better address the needs of the adult student population.
For more information regarding student insurance , please go to www.student-resources.com to view our policies.
For physician provider list:
www.uhcsr.com
For more information on dental plans:
www.barryudentalplans.com
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