Student Insurance

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Student Insurance Enrollment Information

Health insurance is required for all students enrolled at UMMC. A group plan is offered for the students; however, it is not mandatory that students enroll in that plan. It is available as an option for students. A combined dental/vision plan is also available, but not required.

The health insurance plan currently available to students is Blue Cross Comprehensive Blue or "Comp Blue." The plan has co-pays for doctor visits and drugs and a deductible that applies to services rendered by a hospital. Applications, benefits summaries, and prices are available in Student Accounting. The dental/vision plan is a United Health Care product.

It is important to note that the student insurance is NOT part of the state employee insurance plan and that it has no similarity to it.

Accepting employment at UMMC and enrolling in the state employee plan DOES NOT CANCEL either the student health insurance or the dental/vision insurance. You must inform Student Accounting if you are enrolling in another plan and want the student insurance canceled. Failure to do so could result in a reduced refund amount for canceling prepaid premiums, or additional charges for months of coverage you don’t want.

Students are offered the student insurance prior to their initial registration at UMMC. Acceptance is guaranteed during the first 30 days of enrollment. An application received after the first 30 days is accepted only if the student has a special qualifying event, such as loss of coverage on another plan due to age or job loss, change in marital status, or acquisition of a dependent. Applications due to a special qualifying event must be received within 30 days of the event, or they cannot be accepted. Open enrollment for this plan is in August annually; therefore, a student who does not elect the coverage as a new student may apply for coverage in August with coverage beginning Sept. 1. 

Family coverage is available. A student expecting the birth of a child has 30 days after the birth to apply for coverage for the child with coverage effective at the date of the child's birth. We recommend not waiting until the last minute to apply for coverage to avoid billing problems with the hospital where the birth takes place. NOTE: BECOMING PREGNANT IS NOT A QUALIFYING EVENT. The birth of the baby is the qualifying event.

A student who is covered on the student plan and later gets married has 30 days to add the new spouse with coverage effective the date of the marriage.

Students who previously waived the student insurance and want to enroll in the plan because they are getting married may apply for coverage and be accepted as of the date of the marriage; HOWEVER, they must apply for family coverage and add the spouse and any children they acquire due to the marriage. In other words, marriage is not a qualifying event to add single coverage for a student who previously turned down the coverage.

If, however, the student wants to use loss of coverage as the qualifying event, for example if the student is being dropped as a dependent on a parent’s policy due to marriage, single coverage can be procured, but the effective date will be the first of the month after the loss of coverage provided the application is received within 30 days of the loss and before the first of the month. Lesson: Changing insurance due to marriage can be tricky, so it is best to visit Student Accounting and let us look at your situation and advise you how to proceed.

Once accepted into the plan, coverage is renewed automatically until the student graduates from school or cancels the insurance. Cancellation must be in writing, and forms are available in Student Accounting. Students who fail to enroll in classes each semester will not be renewed for coverage. It is the responsibility of the student to promptly contact Student Accounting to discuss insurance coverage if withdrawing from UMMC or if expecting a gap in coverage between graduation and starting on a new insurance plan.

Premiums are assessed in conjunction with the fall and spring semester tuition or the nearest equivalent for non-semester programs. Students who start school in the middle of a premium period will be charged for the months remaining in the period.

Due to the high numbers of students receiving financial aid which may/may not be received prior to the insurance premium period, NON-PAYMENT OF PREMIUMS DOES NOT CONSTITUTE CANCELLATION. In the event a student's insurance premiums remain unpaid for an extended period and no financial aid is forthcoming, UMMC reserves the right to cancel the student's insurance.

Students who terminate their enrollment at UMMC or who go on a leave of absence may elect to continue their health insurance benefits if the following two conditions are met: the student must have been enrolled in the plan for at least 3 months at the time of separation, and application for continuation of coverage must be made BEFORE the current coverage expires. The maximum amount of time the student insurance can be retained by a student who is terminating enrollment at UMMC, including graduating, is six months.

All changes to a student's insurance, including cancellation or application for continuation must be made through the Student Accounting office.