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Student Insurance

The UNC System has chosen Blue Cross Blue Shield of North Carolina as the student health insurance carrier for the 2016-2017 academic year. The cost for the student insurance plan will be updated soon.

THE STUDENT BLUE WAIVE/ENROLLMENT PERIOD HAS NOW CLOSED FOR THE SPRING 2016 SEMESTER. REFUNDS ARE NO LONGER AVAILABLE.

THE FALL 2016 WAIVE/ENROLLMENT PERIOD WILL OPEN ON OR AROUND JUNE 1st.

THE 2016- 2017 STUDENT HEALTH INSURANCE PREMIUM (SHIP) WILL BE POSTED SOON. PLEASE CHECK BACK FOR DETAILS ON COST.

Deductible CoinsuranceOut-of-Pocket Max.ER (Co-pay then Co-insurance)Office visit (Co-pay then Co-insurance)Student Health Office visitDrug Co-paysStudent Health Drug Co-pays
$500.0080%$4,000.00$400.00$25.00100%$30/$60/$120$15/$15/$15

The voluntary and dependent plans have been eliminated as of 8/1/2015,  but students and their dependents can go to the National Health Insurance Exchange to find coverage:  https://www.healthcare.gov

Health Insurance Requirement

In 2009, the University of North Carolina, Board of Governors implemented a hard waiver student health insurance requirement for all campuses in the UNC System. To ensure that this requirement is met, students will automatically be billed for the Student Health Insurance Plan (SHIP) each semester through their Student Account. The Student Insurance premium is non-refundable after posted deadlines each semester.

For students who have a creditable health insurance plan and do not wish to participate in SHIP, they must submit their active health insurance information by completing an on-line waiver through the Student Blue portal, prior to the posted deadline each semester.

Once a waiver has been submitted and approved, the Student Health Insurance Plan premium will be credited back to the Student Account. For more information please visit Student Blue at www.bcbsnc.com/uncg.

Student Health Eligibility

Student Health Insurance Eligibility

Criteria for Undergraduate Students to be eligible for SHIP
• Enrolled in a degree seeking program
• Enrolled in 6 or more main campus credit hours (Distance Education students are not eligible for the plan)
• Paid the Student Health Services fee

Criteria for Graduate Students to be eligible for SHIP
• Enrolled in a degree seeking program
• Enrolled in 6 or more main campus credit hours (Distance Education students are not eligible for the plan)
• Paid the Student Health Services fee
Graduate students in their last semester, with 3 hours of dissertation should contact the Graduate School for verification of eligibility.

If the above applies to you, you must either:
1. Enroll in the Student Health Insurance Plan each semester prior to beginning the semester. OR
2. Prove you have outside health insurance each semester by submitting an on-line waiver to Student blue that shows evidence of existing creditable health coverage, or you will “later”
be default enrolled into the Student Health Insurance Plan and the premium will remain on your Student Account.

PLEASE NOTE

The Voluntary Plan and dependent/spouse coverage through Student Blue are no longer offered. You may check www.healthcare.gov  for options.
Distance learners or on-line students (with less than 6 Main campus credit hours) are not eligible for SHIP and may visit the above site for other options, but are not required to do so.

If you are still not sure whether the Student Health Insurance Requirement applies to you, contact our office at 336-334-5340, option 5.

Student Health Insurance Plan- Student Blue

Student Health Insurance Plan – Student Blue

If the state-level insurance requirement applies to you and you do not have other health insurance coverage, you may wish to ENROLL  in the Student Health Insurance Plan (SHIP) to satisfy the requirement. Or you may shop the Marketplace at www.healthcare.gov  for other health insurance options.

If you are covered under a valid health insurance (personal for parents), you may wish to WAIVE out of SHIP, prior to the deadline.

Students are charged for the Student Health Insurance Plan premium “each” semester they are eligible, and the Student Insurance premium is placed on the Student Account “each” semester.

The 2016-2017 Student Health Insurance Premium will be posted soon. Please check back for details on cost.
You can visit Student Blue at www.bcbsnc.com/uncg  to locate the benefits summary on-line.

• Services rendered by Student Health Providers are covered at 100% (No Copayment, No Deductible)
• Prescriptions filled by Student Health Pharmacy are covered at 100% with a $15 copayment per prescription or refill.

Billing and Filing

As a benefit to you, covered charges will be automatically submitted to the insurance carrier if you have coverage with the Student Health Insurance Plan, and you have ENROLLED into the plan via the Student Portal at www.bcbsnc.com/uncg.

At this time, if you have WAIVED the SHIP coverage, you are responsible for filing claims to you outside health coverage.

Our Pharmacy is set-up for limited billing of outside health insurance. Please check with the Pharmacy to verify if your Pharmacy claim can be filed here at Student Health Services, 336-334-5340, option 4. You must have your outside insurance card available.

For questions related to charges incurred here at Student Health Services, contact 336-334-5340, Billing Office.
For questions related to services rendered “outside” of Student Health Services, please contact Student Blue, 888-351-8283 or by email, email@studentbluenc.com.

Insurance Terms

Authorization – Your signature and pertinent information recorded on the form UNC-G requires you to sign in order to release your medical information either to yourself or to a third party. You may fax, mail or hand-deliver this form.

Benefits – Medical expenses that your health insurance policy covers

Claim – Your formal request to your insurance company for their reimbursement of your medical benefits

Co-Insurance – The percentage of covered expenses you share with your insurance company

Co-pay or Co-payment – The dollar amount you must pay toward the cost of a benefit. Usually paid at your doctor’s office visit.

Deductible – The dollar amount of eligible expenses you must pay during each policy year before benefits are payable by the insurance company.

Exclusions – Medical and other expenses that your health insurance policy does not cover

FERPA – FERPA stands for the Family Educational Rights and Privacy Act. This United States federal law applies to any student who either attends or has attended NC State. The United States Department of Education provides a summary of FERPA.

Health care provider – Any person or entity that provides health care services. A provider could be a doctor, a physician’s assistant, a counselor, a licensed nurse practitioner, a hospital, or a physical therapist, just to name a few. Health care providers are usually licensed by the state in which they practice medicine.

HIPAA – HIPAA stands for the Health Insurance Portability and Accountability Act of 1996, a U.S. federal law. HIPAA protects patients’ rights regarding #personal health information (PHI). The United States Department of Health and Human Services offers a summary of HIPAA.

In-network – A provider or health care facility that is part of a health insurance plan’s network. In general, insured individuals pay less money out-of-pocket when they see in-network providers.

Medical record – Legal documentation of your visit to a health care provider, the treatment you received and your payment for services.

Network – A group of doctors, hospitals, and other providers with whom a health insurance company contracts to provide discounted services to insured individuals.

Out-of-network – Describes a provider or health care facility which is not part of a health plan’s network. In general insured individuals usually pay more money out-of-pocket when they see out-of-network providers.

PHI – PHI stands for protected health information, or any confidential information that identifies you. PHI may be oral or recorded in any form or medium a health care provider, health plan, public health authority, employer, life insurer, school, university, or health care clearinghouse creates that relates to past, present or future payment for the provision of health care to an individual.

Premium – Money you pay your insurance company in exchange for insurance benefits

Provider – Any person or entity that provides health care services. A provider could be a doctor, a counselor, a hospital, or a physical therapist, just to name a few. Providers are usually licensed by the state in which they practice medicine.