Included with most student health insurance policy is the UnitedHealth Allies discount card. To see if Student Health Allies is included with your plan, please review your brochure or check your permanent ID card. We’re confident that the UnitedHealth Allies program can help you stretch your health care dollar on:
Dental Care
Save from 10% to 35% on a range of dental services including routine cleaning, x-rays, even cosmetic dentistry, such as teeth whitening.
Vision Care
Pay no more than $40 for an annual eye exam, and save 10% to 20% on eyeglasses from participating eye care professionals and retail vision chains and fittings for contact lenses (not included in annual eye exams).
Wellness products and services
Be healthier and save money with discounts of 10% to 50% on weight management, fitness memberships and equipment, relaxation resources, natural products, and vitamins and supplements. For a complete UnitedHealth Allies brochure on Dental Care, Vision Care, and Wellness Products and Services please click on the link below:
UnitedHealth Allies is not insurance. UnitedHealth Allies provides discounts at certain health care providers for medical services. UnitedHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services, but will receive a discount from those healthcare providers who have contracted with the discount plan organization.
Welcome to the Waive Your School’s Insurance Center!
This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.
The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.
 Full-time Undergraduate student (taking 12 or more credit hours)
Full-time Graduate student (taking 9 or more credit hours)
Are automatically enrolled in this insurance plan at registration unless proof of comparable coverage is furnished.
Students taking internships with fieldwork experience of 25 or more hours per week
Are considered full-time and are required to purchase this insurance plan unless proof of comparable coverage is furnished.
Hard Waiver Student Waiver Instructions
Waiver Deadlines:
Annual Waiver Deadline:Â 9/30/15
Spring/Summer Waiver Deadline:Â 2/28/16Â (New Incoming Students Only)
Once submitted, a confirmation email is sent to your Kean email account immediately. Please note that it is your responsibility to save and print a copy of this email as proof of having had submitted the insurance information. If you have not received or do not receive an email then you did not complete the entire waiver and need to resubmit it.
For those students who do not submit an approved waiver form before the deadline, you will be automatically charged and officially enrolled in the Student Health Insurance Plan. Once enrolled there are no refunds or cancellations. (Please note, automatic enrollment will occur AFTER the waiver deadline.)
Open Enrollment Periods
Open Enrollment Periods for all Students: If you are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline of *September 30, 2015, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event†during the year.
*For new or renewing students in the Spring semester, your open enrollment deadline is February 28, 2016.
Qualifying Life Event
If you did not enroll during your open enrollment period and have since lost coverage under your original plan, you may qualify for a Qualifying Life Event upon providing proof of involuntary loss of coverage and payment within 30 days of losing coverage. (example: marriage, divorce, loss of job, etc) The enrollment form, check or money order, and the letter of creditable coverage must be received within 30 days of losing coverage. After 30 days the student will no longer be eligible to enroll in the plan until Fall of the following school year.
Please CONTACT US for cost and enrollment information as a Qualifying Life Event.
If you have any questions about the waiver process, please call 800-505-4160 or CONTACT US
Welcome to the Student & Dependent Enrollment Center! Here you will find all the necessary tools to enroll in your school sponsored policy.
We suggest you review the brochure for your rates, effective dates and optional coverages before starting the enrollment process. The plan’s benefits can be found in the brochure within the Schedule of Benefits section with the exclusions towards the back.
 Full-time Undergraduate student (taking 12 or more credit hours)
Full-time Graduate student (taking 9 or more credit hours)
Automatically enrolled in this insurance plan at registration unless proof of comparable coverage is furnished.
Students taking internships with fieldwork experience of 25 or more hours per week
Are considered full-time and are required to purchase this insurance plan unless proof of comparable coverage is furnished.
Please Note:Â If you drop down to Part-time status during the open enrollment period your coverage will be removed.
Begin the enrollment process by following the instructions below.
Hard Waiver Student Enrollment Instructions
Enrollment Deadlines:
Fall Enrollment Deadline:Â 9/30/15
Spring/Summer Enrollment Deadline:Â 2/28/16Â (New Incoming Students Only)
Once you have completed the enrollment process, please print the confirmation page for your records. You will be enrolled immediately after submission. If you need to use the insurance after enrolling, come back to this site and click on “Need an ID Cardâ€.
If you have missed the hard waiver enrollment deadline, but have not previously waived out of the insurance, you will be automatically enrolled in the insurance by your school, after the waiver deadline.
Dependent Enrollment Instructions
Your school does not offer dependent enrollment with your plan.
Open Enrollment Periods
Open Enrollment Periods for all Students: If you are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline of *September 30, 2015, you will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event†during the year.
*For new or renewing students in the Spring semester, your open enrollment deadline is February 28, 2016.
Qualifying Life Event
Students who did not enroll themselves during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event.
Qualifying Life Events include:
Acquiring a new family member
Marriage/Civil Union
Divorce
Loss or change of Job
Expiration of Benefits
If requirements are met for a Qualifying Life Event, the following will need to be provided:
Proof of qualifying life event/proof of involuntary loss of coverage
Enrollment Form
Payment
All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student will no longer be eligible to enroll in the plan, until fall of the following school year.
Please Contact Us for cost and enrollment information as a Qualifying Life Event.
If you have any questions about the enrollment process, please call 800-505-4160 or CONTACT US
Included with most student health insurance policy is the UnitedHealth Allies discount card. To see if Student Health Allies is included with your plan, please review your brochure or check your permanent ID card. We’re confident that the UnitedHealth Allies program can help you stretch your health care dollar on:
Dental Care
Save from 10% to 35% on a range of dental services including routine cleaning, x-rays, even cosmetic dentistry, such as teeth whitening.
Vision Care
Pay no more than $40 for an annual eye exam, and save 10% to 20% on eyeglasses from participating eye care professionals and retail vision chains and fittings for contact lenses (not included in annual eye exams).
Wellness products and services
Be healthier and save money with discounts of 10% to 50% on weight management, fitness memberships and equipment, relaxation resources, natural products, and vitamins and supplements. For a complete UnitedHealth Allies brochure on Dental Care, Vision Care, and Wellness Products and Services please click on the link below:
UnitedHealth Allies is not insurance. UnitedHealth Allies provides discounts at certain health care providers for medical services. UnitedHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services, but will receive a discount from those healthcare providers who have contracted with the discount plan organization.
Health Advocate is an added bonus when you enroll in a UnitedHealthcare student medical plan. Your Health Advocate benefit, provided by Juniata College, includes three important features: Healthcare Help, MedChoice Support, and Medical Bill Saver. This all-in-1 benefit is designed to help you and your enrolled dependents personally navigate the healthcare maze, make better decisions about your medical care, and lower your medical bills.
What is Health Care Help?
You have unlimited access to a Personal Health Advocate (PHA), typically a registered nurse, supported by medical directors and billing and claims specialists. The PHA can help you resolve a full range of clinical and insurance-related issues quickly and dependably, saving you time, money, and worry.
How Does it Work? If you have a healthcare or insurance-related issue, call our toll-free number. You’ll be assigned a PHA who can help you with issues from finding qualified providers and services, to clarifying health coverage, addressing claims and billing concerns, to offering cost estimates for common medical procedures.
Reasons to Call
Find the right doctors, hospitals,
Schedule tests, appointments,
Secure second opinions,
Untangle Claims, billing errors,
Navigate your insurance plan,
Explain conditions, treatments, and
Help you make informed decisions.
MedChoice Support
What is MedChoice Support? MedChoice Support is an interactive online tool that helps you weigh the pros and cons of procedures, treatments, and medications, including the risks and potential outcomes to help you make the right decisions about your care.
How can it Help?
Step-by-step guidance for healthcare decisions, using evidence-based information, on topics from surgery to alternative treatments,
Personal assessments gauge feelings and decisions, and
Downloadable summary to share with your healthcare team.
What is Medical Bill Saver?
The Medical Bill Saver feature provides skilled negotiators who will work with your providers to lower your out-of-pocket costs on your medical or dental bills over $400 not covered by your insurance. We can attempt to negotiate bills to help reduce the balances that apply to deductibles and coinsurance.
How can it Help?
Negotiation can result in 25-50% savings.
Easy-to-read personal Saving Result Statement, summarizing outcome and payment terms.
Provider sign-off on payment terms and conditions.
All three features are available to students and their dependents who are enrolled in the UnitedHealthcare student medical plan. If you have a question about who is covered for service, simply call us.
Welcome to the Waive Your School’s Insurance Center!
This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.
The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.
All registered students attending Juniata College you are required to purchase this plan unless proof of comparable coverage is furnished
Please Note:Â If you waive the insurance you will not be eligible to enroll until the following school year unless you experience a Qualifying Life Event.
Hard Waiver Student Waiver Instructions
Waiver Deadlines:
Annual Waiver Deadline: 8/30/16
Spring/Summer Waiver Deadline: 1/30/17Â (New Incoming Students Only)
For those students who do not submit an approved waiver form before the deadlines, you will be automatically charged and officially enrolled in the Student Health Insurance Plan. Once enrolled there are no refunds or cancelations. (Please note, automatic enrollment will occur AFTER the waiver deadline.)
After you verify that you are a hard waiver student and have other insurance you will need:
Your current health insurance plan ID card,
Your health insurance brochure or plan description (or you might want mom & dad’s phone number handy to help answer some of the waiver questions). There might be a few questions about your current plan.
Once you have completed the waiver form, an email will automatically be sent to the email address you provided notifying you of the waiver request decision. If you receive a:
Approval e-mail– Your waiver was approved. You should print this e-mail and save it with your records.
Denial e-mail– Your waiver was denied. If you would like us to look this over or if you answered a question incorrectly, please contact Riggs, Counselman, Michaels & Downes, Inc.
(800) 346-4075
Please Note:Â If you waive the insurance, you will not be eligible to enroll until the following school year, unless you experience a Qualifying Life Event.
Open Enrollment Periods
Open Enrollment Periods for all Dependents and Students: If you have eligible dependents in the Fall or are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline of *August 30, 2016, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event†during the year.
*For new dependents or new or renewing students in the Spring semester, your open enrollment deadline is January 30, 2017.
Qualifying Life Event
If you did not enroll during your open enrollment period and have since lost coverage under your original plan, you may qualify for a Qualifying Life Event upon providing proof of involuntary loss of coverage and payment within 30 days of losing coverage. (example: marriage, divorce, loss of job, etc) The enrollment form, check or money order, and the letter of creditable coverage must be received within 30 days of losing coverage.After 30 days the student will no longer be eligible to enroll in the plan until Fall of the following school year.
Please contact Riggs, Counselman, Michaels & Downes, Inc.
(800) 346-4075Â Â for cost and enrollment information as a Qualifying Life Event.
If you have any questions about the waiver process, please call 800-505-4160 or CONTACT US
Welcome to the Student & Dependent Enrollment Center! Here you will find all the necessary tools to enroll in your school sponsored policy.
We suggest you review the brochure for your rates, effective dates and optional coverages before starting the enrollment process. The plan’s benefits can be found in the brochure within the Schedule of Benefits section with the exclusions towards the back.
All register students attending Juniata College are required to purchase this plan unless proof of comparable coverage is furnished.
Begin the enrollment process by following the instructions below.
Hard Waiver Student Enrollment Instructions
Enrollment Deadlines:
Fall Enrollment Deadline:Â 8/30/16
Spring/Summer Enrollment Deadline: 1/30/17
If you have missed the hard waiver enrollment deadline, but have not previously waived out of the insurance, you will be automatically enrolled in the insurance by your school, after the waiver deadline.
Please note: If you do not enroll for the year during the fall open enrollment period, you will not be able to enroll later during the 2016-2017 school year without experiencing a “Qualifying Life Eventâ€. This means that the loss of coverage is no fault of your own or the policyholders (i.e. you get married or become too old to be on a family plan). You will be eligible to enroll within thirty days of this “Qualifying Life Eventâ€. After thirty days, you will no longer be eligible.
Dependent Enrollment Instructions
Eligible students who do enroll may also insure their eligible dependents. You must use an Enrollment Form to enroll them. Please See instructions below:
To enroll by mail-download an enrollment form and submit by mail using a check or money order. The mailing address is listed on the back of the Enrollment Forms.
The effective date of your dependent’s coverage will be start date of the coverage period you enrolled in
Open Enrollment Periods
Open Enrollment Periods for all Dependents and Students: If you have eligible dependents in the Fall or are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline of *August 30, 2016, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event†during the year.
*For new dependents or new or renewing students in the Spring semester, your open enrollment deadline is January 30, 2017.
Qualifying Life Event
Students who did not enroll themselves or their dependent(s) during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event.
Qualifying Life Events include:
Acquiring a new family member
Marriage/Civil Union
Divorce
Loss or change of Job
Expiration of Benefits
If you and/or your dependents meet the requirements for a Qualifying Life Event, you will need to provide the following:
Proof of qualifying life event/proof of involuntary loss of coverage
Enrollment Form
Payment
All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student or dependents will no longer be eligible to enroll in the plan, until fall of the following school year.
Please contact Riggs, Counselman, Michaels & Downes, Inc. (800) 346-4075.
If you have any questions about the enrollment process, please call 800-505-4160 or CONTACT US
Included with most student health insurance policy is the UnitedHealth Allies discount card. To see if Student Health Allies is included with your plan, please review your brochure or check your permanent ID card. We’re confident that the UnitedHealth Allies program can help you stretch your health care dollar on:
Dental Care
Save from 10% to 35% on a range of dental services including routine cleaning, x-rays, even cosmetic dentistry, such as teeth whitening.
Vision Care
Pay no more than $40 for an annual eye exam, and save 10% to 20% on eyeglasses from participating eye care professionals and retail vision chains and fittings for contact lenses (not included in annual eye exams).
Wellness products and services
Be healthier and save money with discounts of 10% to 50% on weight management, fitness memberships and equipment, relaxation resources, natural products, and vitamins and supplements. For a complete UnitedHealth Allies brochure on Dental Care, Vision Care, and Wellness Products and Services please click on the link below:
UnitedHealth Allies is not insurance. UnitedHealth Allies provides discounts at certain health care providers for medical services. UnitedHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services, but will receive a discount from those healthcare providers who have contracted with the discount plan organization.
Health Advocate is an added bonus when you enroll in a UnitedHealthcare student medical plan. Your Health Advocate benefit, provided by Illinois Wesleyan University, includes three important features: Healthcare Help, MedChoice Support, and Medical Bill Saver. This all-in-1 benefit is designed to help you and your enrolled dependents personally navigate the healthcare maze, make better decisions about your medical care, and lower your medical bills.
What is Health Care Help?
You have unlimited access to a Personal Health Advocate (PHA), typically a registered nurse, supported by medical directors and billing and claims specialists. The PHA can help you resolve a full range of clinical and insurance-related issues quickly and dependably, saving you time, money, and worry.
How Does it Work? If you have a healthcare or insurance-related issue, call our toll-free number. You’ll be assigned a PHA who can help you with issues from finding qualified providers and services, to clarifying health coverage, addressing claims and billing concerns, to offering cost estimates for common medical procedures.
Reasons to Call
Find the right doctors, hospitals,
Schedule tests, appointments,
Secure second opinions,
Untangle Claims, billing errors,
Navigate your insurance plan,
Explain conditions, treatments, and
Help you make informed decisions.
MedChoice Support
What is MedChoice Support? MedChoice Support is an interactive online tool that helps you weigh the pros and cons of procedures, treatments, and medications, including the risks and potential outcomes to help you make the right decisions about your care.
How can it Help?
Step-by-step guidance for healthcare decisions, using evidence-based information, on topics from surgery to alternative treatments,
Personal assessments gauge feelings and decisions, and
Downloadable summary to share with your healthcare team.
What is Medical Bill Saver?
The Medical Bill Saver feature provides skilled negotiators who will work with your providers to lower your out-of-pocket costs on your medical or dental bills over $400 not covered by your insurance. We can attempt to negotiate bills to help reduce the balances that apply to deductibles and coinsurance.
How can it Help?
Negotiation can result in 25-50% savings.
Easy-to-read personal Saving Result Statement, summarizing outcome and payment terms.
Provider sign-off on payment terms and conditions.
All three features are available to students and their dependents who are enrolled in the UnitedHealthcare student medical plan. If you have a question about who is covered for service, simply call us.
Welcome to the Waive Your School’s Insurance Center!
This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.
The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.
Full-time registered domestic undergraduate students taking 12 or more credit hours (3 units)
Are considered hard waiver students. Hard waiver students are required to have health insurance to attend Illinois Wesleyan University, both to protect against unexpected high medical costs and provide access to quality care.
All enrollment or waiver selections must be completed by the deadline.
The University reserves the right to audit all waivers in order to ensure compliance with the University insurance requirements. Please be sure to have a copy of your insurance policy as you may be asked to provide this documentation.
Please Note:Â If you waive the insurance you will not be eligible to enroll until the following school year unless you experience a Qualifying Life Event.
Hard Waiver Student Waiver Instructions
Waiver Deadlines:
Annual Waiver Deadline: 8/29/15
Spring/Summer Waiver Deadline: 1/15/16Â (New Incoming Students Only)
You must enroll or waive the school-sponsored insurance plan each academic year. It is important for you to make an informed health assessment each year. Make sure you are not left without appropriate health coverage – it could hinder your academic progress.
You may waive coverage under this plan if you have health insurance that meets all of the University plan requirements and is approved by the University. You will need to provide information about your coverage in the waiver section.
Important: If you waive coverage by providing your health insurance information prior to the waiver deadline, the charge for Student Health Insurance will be refunded to your student account. If you do not enroll or waive the insurance by the waiver deadline you will be billed for and automatically enrolled into the University sponsored plan. If you do not enroll for or waive coverage by the designated deadline you will be considered non-compliant. Once you are enrolled there are no cancellations or refunds. (Automatic enrollment will occur AFTER the waiver deadline.)
After you verify that you are a hard waiver student and have other insurance you will need:
Your current health insurance plan ID card,
Your health insurance brochure or plan description (or you might want mom & dad’s phone number handy to help answer some of the waiver questions). There might be a few questions about your current plan.
Once you have completed the waiver form, an email will automatically be sent to the email address you provided notifying you of the waiver request decision. If you receive a:
Approval e-mail– Your waiver was approved. You should print this e-mail and save it with your records.
Denial e-mail– Your waiver was denied. If you would like us to look this over or if you answered a question incorrectly, please contact us.
Please Note:Â If you waive the insurance, you will not be eligible to enroll until the following school year, unless you experience a Qualifying Life Event.
Open Enrollment Periods
Open Enrollment Periods for all  Students: If you  are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline of *August 29, 2015, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event†during the year.
*For new students in the Spring semester, your open enrollment deadline is January 15, 2016.
Qualifying Life Event
If you did not enroll during your open enrollment period and have since lost coverage under your original plan, you may qualify for a Qualifying Life Event upon providing proof of involuntary loss of coverage and payment within 30 days of losing coverage. (example: marriage, divorce, loss of job, etc) The enrollment form, check or money order, and the letter of creditable coverage must be received within 30 days of losing coverage. After 30 days the student will no longer be eligible to enroll in the plan until Fall of the following school year.
Please CONTACT US for cost and enrollment information as a Qualifying Life Event.
If you have any questions about the waiver process, please call 800-505-4160 or CONTACT US
