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Student Health Insurance

No one plans to get sick or injured. Should the unexpected happen, the cost of treatment can quickly add up. Having health insurance coverage is important to help protect you from these unanticipated costs and keep you focused on your education.

All full-time students at Western University of Health Sciences are required to have active health insurance while enrolled. To ensure that health insurance coverage requirements are met, all full-time students are automatically assessed for half of the annual student health insurance premium upon registration for fall. This fee is waived only if you submit proof of health insurance coverage that meets the University’s coverage requirements. If you fail to submit proof of alternative health insurance coverage by the deadline for your program/class year, your enrollment in the student health insurance plan is finalized. In addition, you are no longer eligible for a refund of the first half of the premium and will automatically assessed the second half of the premium upon registration for the spring term.

There are many insurance options available in the marketplace today. We encourage you to research your health insurance options thoroughly prior to making a final decision. For those of you unfamiliar with insurance terminology, HealthCare.gov provides a glossary of health insurance terms that may be helpful as you review and compare your insurance options.

 

Student Health Insurance Plan Information

The student health insurance plan for the 2017/2018 academic year is offered through Aetna Student Health and administered by Health Sciences Assurance Consulting (HSAC). Plan details include:

 Deductible  $250
 Co-Insurance  80% – Preferred Provider Organization (PPO), 60% – Non-PPO
 Out of Pocket Maximum (Individual)  $6,350 (PPO), $10,000 (Non-PPO)
 Out of Pocket Maximum (Family)  $12,700 (PPO), $20,000 (Non-PPO)
 Office Visit  $20 Copayment, 80% (PPO), 60% (Non-PPO)
 Urgent Care Visit  $20 Copayment, 80% (PPO), 60% (Non-PPO)
 Emergency Room Visit  $200 Copayment (Waived if Admitted)
 Prescription Drugs  $15/$25/$45

 

 

 

 

 

 

For additional information on the benefits offered under the student health insurance plan, please visit the Health Sciences Assurance Consulting (HSAC) website.

 

Student Health Insurance Premiums

Student health insurance charges for the 2017/2018 academic year are listed below:

Insurance Coverage Period   Fall 2017 Charge  Spring 2018 Charge  Total 2017/2018 Premium
05/31/2017 – 07/31/2018 (MSMS 2018)  $2,046.68   $2,046.67  $4,093.35
06/01/2017 – 07/31/2018 (ISAC 2021 – DO, DONW, DPM)  $2,041.88 $2,041.88  $4,083.76
07/01/2017 – 07/31/2018 (IPBP 2020)  $1,898.09  $1,898.09  $3,796.18
07/31/2017 – 07/31/2018 (CGN – Incoming Students)  $1,754.30  $1,754.29  $3,508.59
08/01/2017 – 07/31/2018 (All Other Student Groups)  $1,749.50  $1,749.50  $3,499.00
01/01/2018 – 07/31/2018* (MSBS, MSHS, MSPS Spring Starts)  N/A $2,032.30  $2,032.30

 

 

 

 

 

 

*Available only to students who begin their enrollment at WesternU during the spring 2018 term.

 

Enrolling in the Student Health Insurance Plan

If you wish to enroll in the student health insurance plan for the academic year, you must submit your enrollment via the Health Sciences Assurance Consulting (HSAC) website. If you originally waived out of the student health insurance plan but find that you need health insurance coverage due to an involuntary loss of coverage, you can also enroll via the Health Sciences Assurance Consulting website. Students enrolling after the initial enrollment period due to an involuntary loss of coverage will be assessed a prorated portion of the insurance premium based on their dates of enrollment.

 

Obtaining Your Student Health Insurance Plan ID Card and Brochure

If you enrolled in the student health insurance plan, you can access your insurance plan ID card, search for providers, view claims information and review benefits via the Aetna Student Health website.

 

Waiving Out of the Student Health Insurance Plan

If you wish to waive out of the student health insurance plan, you may do so by submitting documentation of an eligible, active health insurance plan via the Health Sciences Assurance Consulting (HSAC) website. Waivers that are not received by the deadline for your program/class year will not be accepted.

If you have your own health insurance coverage, it must meet the following requirements in order to waive out of the student health insurance plan:

  • Health insurance coverage must be active for the entire 2017/2018 academic year
  • Health insurance coverage must have a deductible of $1,000 or less (individual plans) or $2,000 or less (family plans).
  • Health insurance coverage must cover treatment in the United States.

If your waiver is approved, the student health insurance charge will be reversed from your student account and you will not be assessed the spring term portion of the student health insurance premium. If your waiver is not approved or was not submitted by the deadline, you will remain enrolled in the student health insurance plan and will not be eligible for a refund of the fall term portion of the premium. In addition, you will automatically be assessed the second half of the student health insurance premium upon your registration for spring.

 

Waiver Submission Deadlines

 Program/Class Year  Waiver Submission Deadline
 MSMS 2018  June 29, 2017
 ISAC 2021 (DO, DONW, DPM)  July 1, 2017
 IPBP 2020  July 31, 2017
 CGN (Incoming Students)  August 30, 2017
 All Other Programs/Class Years  August 31, 2017
 MSBS, MSHS, MSPS Spring Semester Starts  January 31, 2018

 

 

 

 

 

To ensure that health insurance coverage requirements are met, all full-time students are automatically assessed for half of the annual student health insurance premium upon registration for fall. This fee is waived only if you submit proof of health insurance coverage that meets the University’s coverage requirements. When you fail to submit proof of alternative health insurance coverage by the deadline for your program/class year, your enrollment in the student health insurance plan is finalized. In addition, you are no longer eligible for a refund of the first half of the premium and will automatically assessed the second half of the premium upon registration for the spring term. 

 

Waiver Appeals

If your waiver is denied, you may appeal the decision. The University will only override the waiver denial if you meet one or more of the following criteria:

  • You are 26 years old or younger and enrolled on your parent’s health insurance plan. Your parent(s) must be willing to sign and submit a High Deductible Appeal form.
  • You are married and your spouse is willing to sign and submit a High Deductible Appeal form.
  • You are able to provide documentation (current statement) of a health savings account that holds a balance that will cover the difference between your health insurance plan deductible and the University’s $1,000.00 deductible requirement.

Instructions and deadlines for submitting your waiver appeal will be provided in your waiver denial e-mail.

 

Frequently Asked Questions: Student Health Insurance

Why is the plan so expensive?

The student health insurance plan is reviewed each year by the Student Health Insurance Advisory group, whose members include patient care providers, students, and University administrators. Each year, the student health insurance plan is submitted to the marketplace for quotes. The Committee then reviews those quotes and selects a plan that provides the best coverage options for our students at the most competitive price possible. The student health insurance plan is comparable to a ‘Gold Level’ plan in the Affordable Care Act marketplace. The Committee also looks at our peer institutions to determine if the rates are acceptable. Below is a listing of the student health insurance rates offered at other Health Sciences institutions during the 2017/2018 academic year.

Institution   12-Month Student Health Insurance Rate
Midwestern University  $3,214.00
Des Moines University  $3,405.00
Western University of Health Sciences  $3,499.00
Rocky Vista University  $3,759.00
Baylor College of Medicine  $4,320.00
Touro University (California/Nevada)  $4,836.00
Touro University (New York)  $5,430.00

 

 

 

 

 

 

 

If I remain enrolled in the student health insurance plan, can I opt out of the plan at the start of the spring term?

The student health insurance plan is sold as an academic year plan. Even though we charge half of the premium in fall and the other half in spring, you cannot waive out of the student health insurance plan after the first 30 days of plan’s enrollment period has passed.

 

I waived out of the student health insurance plan at the start of the academic year, but now I’m aging out of my parent’s insurance plan. Can I enroll in the student health insurance plan later in the year? Will the premium be prorated based on my coverage dates?

If you waived out of the student health insurance plan but lost your health insurance coverage due to an involuntary loss of coverage (i.e. aging out of their parent’s plan, loss of employment, divorce, etc.), you may enroll in the student health insurance plan. If you would like to enroll, please contact Health Sciences Assurance Consulting (HSAC) directly at westernu@hsac.com. In your e-mail, include your student ID number, reason for loss of coverage, and dates of coverage required. HSAC will respond with the prorated cost of coverage based on your coverage dates.

 

I am enrolled in the student health insurance plan for the 2017/2018 academic year. How do I obtain my insurance card?

You can obtain your Aetna insurance card via the Health Sciences Assurance Consulting (HSAC) website. Aetna also offers a mobile application at www.aetna.com/mobile which allows you to find a doctor, check benefits and coverage information, pull up your medical ID card information, or locate an Urgent Care center.

 

Can I use the Patient Care Center (PCC) for health care services?

The providers in the PCC are all members of the Aetna Student Health Plan. A referral or prior authorization is NOT required to see any primary care doctor or specialist in any of the services within the PCC. As Aetna Preferred Care Providers, you will generally have less out of pocket expenses for your care. Remember, however, that not all services will be considered eligible expenses and be reimbursed by your insurance plan.

 

If I am a Pomona campus student, am I required to visit the PCC first before accessing health care services?

In previous years, the student health insurance plan required students who lived within a 25-mile radius of the University to seek care or obtain a referral from the PCC prior to visiting a physician. This is no longer a requirement under the Aetna Student Health Plan; however, you are encouraged to seek care from an Aetna preferred provider to help minimize your out of pocket expenses. Preferred provider visits are covered at 80% while out of network providers are only covered at 60%.

 

Can I add a dependent to the student health insurance plan?

Yes, dependents can be added to the student health insurance plan. The coverage dates and rate would be the same as your coverage dates and rate; however, the premium cannot be charged to your student account. The entire premium for dependents is due at the time of enrollment. You will be able to add dependents when you enroll in the plan.

 

I still have questions regarding student health insurance that are not covered by the FAQ’s. Who do I contact?

For additional questions regarding student health insurance, please contact Health Sciences Assurance Consulting (HSAC) at westernu@hsac.com or 1-888-978-8355.