Insurance Information and Requirement

To protect our student’s health and wellbeing, Barry University strongly recommends that all students remain properly insured with health insurance that provides them full health care benefits in the location they are taking classes or participating clinical rotations.  Barry University is pleased to be able to continue to offer a group health insurance plan to all undergraduate students taking 9 or more credit hours in Fall and Spring and 3 credit hours in Summer, and Graduate students taking 4 or more credit hours each semester. The 2023/24 student insurance will be offered through United Healthcare Student Resources. This coverage provides national coverage throughout the United States.  

All students who are residing in campus housing will be automatically billed for the student health plan. In addition, all international students attending Barry on an F1 or J1 visa, all student  athletes participating in Varsity and JV athletics, undergraduate nursing students and graduate students enrolled in the Podiatric, Physician Assistant, Anesthesia, Law, Graduate OT and Graduate Social Work, will be billed automatically at the start of the semester in which they are beginning their studies at Barry (Fall or Spring or Summer), and will continue to be billed at registration unless a waiver is completed and approved.

All students billed for the student insurance plan are responsible to provide proof of other private insurance through a hard waiver process during the waiver period.  If the student’s private insurance is determined to meet the waiver requirements by an independent audit through the waiver system, they will receive an approval and their student account will be adjusted. A waiver will be required each Fall semester thereafter. Students failing to do a waiver during the open wavier period, will be responsible for the cost of the student insurance plan on their student account.  

Students who apply for resident housing will be billed for the student insurance plan and will be responsible to complete the waiver if billed even if they make the decision not to move in or decide to move off campus during the semester. Students will not be credited for the student insurance after the waiver period.  

It is the student’s responsibility to read their Barry assigned email and check their student account.  Failure to read emails will not be a reason to reverse the billing for the student health insurance after the waiver period. 

Beginning in the Fall Semester 2023, commuting students will no longer be billed for the student insurance, unless they are enrolled in a program that requires insurance or are attending Barry on an F1 or J1 visa.  Commuters will have the ability to voluntarily enroll in the 2023-2024 student insurance plan during the open enrollment periods.  More information regarding voluntary enrollment will be available at https://myahpcare.com/barry.

Premium rates for All full-time students

• Annual rate 8/11/23-8/10/24: $2,152
• Fall (8/11/23 - 1/5/24): $870
• Spring ONLY (1/6/24 - 5/15/24): $770
• Summer ONLY (5/16//24 -8/10/24): $521

Extended coverage for non-registered students:

Students who are enrolled in the 2023-2024 spring semester that are not registering for the 2023-2024 summer semester at Barry, but will return in Fall and wish to remain on the UHCSR student Insurance, are eligible to enroll directly at https://myahpcare.com/barry for the summer semester.  

Students who are graduating in Spring/Summer 2024 but were continuously enrolled, in the student plan for the previous semester, are eligible to continue their insurance benefits for up to 3 months and may enroll in the UHCSR Student Insurance voluntary plan at https://myahpcare.com/barry. 

Policy Highlights:

• Fully compliant ACA nationwide insurance plan (UHCSR PPO)
• Deductible Preferred Providers - $500 (Per Insured Person, Per Policy Year)
• Deductible Out-of-Network - $12,000 (Per Insured Person, Per Policy Year)
• Coinsurance Preferred Providers - 20% (See policy details)
• Coinsurance Out-of-Network - 50% (See policy details)
• Out-of-Pocket Maximum Preferred Providers - $7,150 (Per Insured Person, Per Policy Year)
• Out-of-Pocket Maximum Preferred Providers - $14,300 (Family maximum, Per Policy Year)

Further information on policy details is available on the web at UHCSR.com/Barry.

Utilizing The Plan

The most cost-efficient and convenient way to access health care on the UHCSR student health plan is to utilize the services in Student Health Services (SHS). Appointments are preferred but walk-ins are accommodated.

If you have a condition that falls outside the scope of practice of SHS or have an existing relationship with an area physician that accepts United Healthcare insurance, please:

• Contact the doctor’s office and schedule your appointment.
• After you have a scheduled appointment, please call SHS @ 305 899 3750 to request a referral.
• Provide SHS with the name of physician, specialty of the practice, the reason for the visit, and the office fax number.
• If you are outside the main campus area by more than 50 miles, you do not need a referral.
• Students attending the LAW campus are excluded from the referral requirement.
• If you are requested to have a referral by the physician’s office, simply call SHS and one will be sent.
• Co-payments and deductibles apply when seeking healthcare from an off-campus provider and are the patient’s responsibility.
• Please refer to the policy outline at UHCSR.com/Barry for full coverage details. 

Insurance Requirements

What Is Considered Adequate Insurance?

• Your health insurance company must be licensed to do business in the State of Florida and coverage must extend to the county where you are attending class.
• Coverage must remain in effect while enrolled for classes.
  • The premium must be paid in full for the semester in which you are enrolled.
• Full coverage with access to a general practitioner or specialist
  • Hospital Emergency Room/Urgent Care Center only coverage is not accepted
• Inpatient hospital coverage for Medical and Mental Health issues.
• The insurance plan must pay for services directly to physicians and/or hospitals.
  • Reimbursable plans are not accepted.
• Prescriptive Medication Coverage (Unlimited coverage with copayment)
• An individual deductible not to exceed $2,500.00 per policy year
  • Plans with a Health Savings Account (HSA) and/or a Federal Savings Account (FSA), are exempt from this requirement.
• Outpatient Mental Health and Substance Abuse coverage.

Note:  International insurance plans are not accepted. International students may not waive this coverage unless they have private health insurance coverage with a U.S. insurance plan (i.e., Aetna, Cigna, BCBS or United Healthcare). International students with US plans must also have Medical Evacuation and Repatriation benefits included in their plan or purchase an additional supplemental plan that includes these benefits.

Waiver Process

Mandatory Health Insurance Process

Required students MUST complete the insurance waiver and upload a copy of their insurance card within the first 3 weeks of classes of the semester. The insurance cost is nonrefundable after the waiver period ends. 

Step 1: Register for Classes -This must be done before you can complete any of the processes below.

Step 2: Check Your Barry Student Email! Barry email is the official form of communication for the University. You will receive an email 24-48 hours after registering to notify you of the billing and instructions for waiving or activating the student insurance plan. Be sure to read all the information in the email that is sent to you. You will not be able to complete the waiver or activation process until you receive the email notice.

Step 3: Go to The Link Provided in the Email (https://barry.myahpcare.com)

Have an electronic copy of your current insurance card and an understanding of your current coverage both in your home state and out of state while attending school. 

1. Go to https://students.care26.com and enter your @barry.edu email 
2. Click “Log in using my Barry Account”
3. After logging in to your Barry Account, you will be taken to the Care26 dashboard.
4. Click on “I want to waive” and confirm that you meet the criteria for insurance while attending Barry University.
5. Enter your insurance information and attach your required insurance documents, then submit your waiver.

After you submit the waiver, you will receive an automatic response telling you that your insurance is being reviewed.  AHP will be sending you official notification of acceptance or denial within 24-48 hours All Insurance plans will be put through a national data base to confirm active status and coverage in the So. FL region. You may contact AHP for any questions regarding declined waivers. Once approved, your waiver will remain in effect for the entire academic year. If you enroll in the plan, your coverage will be automatically reactivated each semester you register for the current academic year unless a waiver is completed. 

Important: Waiver Submission Deadlines

Waiver Opens: The online waiver process will be available from the first day of registration for the semester in which the student is registering (fall, Spring, or Summer), through the first 3 weeks of the registering semester. Students beginning classes in the fall semester must complete the waiver and if approved, then each subsequent fall semester. 

New students beginning classes in the spring semester will be required to complete a waiver in spring and again in the fall of the same year and each subsequent fall semester.

PLEASE NOTE: Students will not have access to the waiver process until they have been registered. Students will receive an email notification with the link to the waiver site when they are able to complete the waiver process. You must check your Barry Student Email! 

If you choose to remain on the student plan through United Healthcare Student Resources, go to https://students.care26.com/, follow the instructions above to log in using your Barry email account and “I want to enroll”. 

Accident Plan Information

All full-time undergraduate students, students residing in campus housing, and select graduate programs have access to the Student Accident insurance.  This plan covers most injuries and accidents that occur on and off campus, that are outside the treatment scope of SHS through AG Administrators up to a maximum of $5000.

Procedures For Filing an Accident Claim

If you have suffered an injury that requires medical attention, please follow the procedure below:

• Occupational Exposure, (needle stick or bodily fluid exposure)
  • Wash the wound and skin site that have been exposed to blood or bodily fluids with soap and water. Mucous membranes should be flushed with water.
  • Report your injury to your clinical supervisor immediately!
  • Immediately seek care by a qualified health care provider (ER, Urgent Care or a health care provider that can provide appropriate guidance on the need for antiretroviral prophylaxis)
  • DO NOT SEEK CARE IN THE STUDENT HEALTH services forOccupational Exposures!
  • Follow all federal (OSHA) and state requirements for recording and reporting occupational injuries and exposures as per the clinical site and the Barry University program guidelines.
• For any other injury (sprains, fractures, lacerations, etc.) that require medical attention:
  • Please seek medical attention as soon as possible at an ER, Urgent Care Center, Private Physician’s office or the Student Health Services.

This a reimbursable plan, that will reimburse out of packet expenses not covered by your primary insurance therefore it is best to collect all receipts and explanation of services prior to filing a claim.

To submit an accident, claim for medical bills that are not covered by your Primary Insurance plan.

• Go to Agadministrators.com/Barry
• Click on Submit a claim
• Fill out the claim form
• Follow instructions to upload all ITEMIZED receipts and Explanations of benefits.

If you were injured during club sports or cheerleading participation of organized practice, please contact the Director of Student Engagement.