2018-2019 Academic Year, Student Health Insurance Requirements
Maintaining comprehensive health insurance coverage is mandatory for all full-time WesternU students, and all students MUST be covered by an ACA compliant domestic health insurance plan for the entire academic year, including summer and holidays. All full-time WesternU students are required to enroll in the Student Health Insurance Plan unless an acceptable Waiver is provided by the designated deadline.
Part-time WesternU students, those enrolled in programs where the entire curriculum is delivered online and students only enrolled in thesis/dissertation continuous registration courses are exempt from the University’s comprehensive health insurance requirement. However, all WesternU students may enroll in the student health insurance plan, regardless of their exemption status.
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.
Automatic Fee Assessment
All full-time WesternU students will automatically be assessed the fall 2018 premium for the student health insurance plan during fall 2018 registration. The fall 2018 premium charge will only be reversed upon receipt of an acceptable waiver by the posted waiver deadline.
If an acceptable waiver is not received by the posted waiver deadline, your enrollment in the student health insurance plan will be finalized, you will no longer be eligible for a refund of the fall 2018 premium, and your student account will automatically be assessed the applicable spring 2019 premium during registration for the spring 2019 term.
Enrolling in the Student Health Insurance Plan
If you wish to enroll in the student health insurance plan for the 2018/2019 academic year, you must submit your enrollment via the Health Sciences Assurance Consulting (HSAC) website. The earlier you submit your enrollment, the sooner you will receive your plan materials (brochure, ID card). Students enrolling after the plan begins will have their coverage backdated to the start of the plan unless they have experienced an involuntary loss of coverage.
Student Health Insurance Plan Information
|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)|
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 2018/2019 academic year are listed below:
|Insurance Coverage Period||Fall 2018 Charge||Spring 2019 Charge||Total 2018/2019 Premium|
|05/29/2018 – 07/31/2018 (MSMS 2019)||$2,056.88||$2,056.88||$4,113.76|
|06/01/2018 – 07/31/2019 (ISAC 2022 – DO, DONW, DPM)||$2,042.50||$2,042.50||$4,085.00|
|07/01/2018 – 07/31/2019 (IPBP 2021)||$1,898.64||$1,898.65||$3,797.29|
|07/30/2018 – 07/31/2019 (CGN – Incoming Students)||$1,759.59||$1,759.59||$3,519.18|
|08/01/2018 – 07/31/2019 (All Other Student Groups)||$1,750.00||$1,750.00||$3,500.00|
|01/01/2019 – 07/31/2019* (MSBS, MSHS, MSPS Spring Starts)||N/A||$2,033.08||$2,033.08|
|03/01/2019 – 07/31/2019 (DMD-IDP)||N/A||$1,467.27||$1,467.27|
The student health insurance plan is sold as an academic year plan; however, the premium is split into two equal payments. The first payment is assessed during fall 2018 registration, and the second payment is assessed during spring 2019 registration. Students who enroll in the student health insurance plan at the start of the academic year will remain enrolled for the entire academic year and will not be eligible to waive out of the plan during the spring term.
Students who are receiving financial aid may be eligible for a budget increase to cover the costs of the student health insurance plan premiums. For more information on eligibility and the process for increasing your budget, please contact the Office of Financial Aid at 909-469-5353 (Pomona campus) or 541-259-0360 (Lebanon campus). You can also e-mail the Office of Financial Aid at email@example.com.
Qualified dependents can be added to the student health insurance plan. The coverage dates and rate would be the same as the student’s 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 or due to a qualifying life event (involuntary loss of coverage, birth or adoption).
Obtaining Your Student Health Insurance Plan Materials
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 have active health insurance with benefits that meet all the criteria listed below, you may apply for waiver of enrollment in the WesternU plan. You will need to have your current insurance ID card and information regarding your plan benefits to complete the process. A copy of the front and back of your Health Insurance ID card must be submitted with your request. Once you have submitted the required information, you will receive an email verifying if your waiver meets the WesternU requirements. Waivers will not be accepted past the required deadline.
All Full-Time Students
- All students MUST be covered by an ACA compliant domestic health insurance plan for the entire academic year, including summer and holidays.
- The acceptable coverage to waive the WesternU – Sponsored Student Health Insurance Plan is a parent’s employer group plan, a spouse’s employer group plan, a student’s own employer group plan, VA Benefits or COBRA. Individual Plans will be accepted for the 2018-2019 Policy year as long as they meet the University’s waiver requirements. Additionally, the University will allow students to waive out of the student health insurance plan using Medicaid based coverage that originates in the state of California (Pomona campus students) or the state of Oregon (Lebanon campus students). The University will not approve any other state’s Medicaid coverage as an acceptable waiver, subject to the Distance Education Program exception below.
- Distance Education Program Exceptions: Students participating in distance education programs such as those offered by the College of Graduate Nursing or the DPT (Post-Professional) program may waive out of the student health insurance plan using Medicaid based coverage that originates in the state in which they currently reside.
- Deductible MUST NOT be more than $1,000 individual or $2,000 family annually, NO Exceptions.
- Adequate major medical coverage of at least $1,000,000/policy year
- Prescription coverage
- Mental health coverage
- Coverage for an annual exam
- A provider network in the area of your WesternU campus for primary care, specialty, hospital, and diagnostic care. Students attending online programs, including those that are only partially online, are exempt from this requirement.
Limitations Regarding Out of State Rotations/Clinical Experiences: California or Oregon based students who waive out of the student health insurance plan using their respective state’s Medicaid based coverage may only be eligible for coverage of emergency services while completing clinical rotations/experiences out-of-state. Some of the University’s out-of-state clinical rotation/experience sites may require that you have comprehensive health insurance coverage; therefore, you may not be eligible to attend certain clinical rotation/experiences using Medicaid based coverage. Students using Medicaid based coverage while completing a clinical rotation/experience out-of-state are responsible for all medical expenses incurred that are not covered by their Medicaid based plan. Graduating students completing clinical rotations/experiences out-of-state that match to an out-of-state residency program during their final year should note that their out-of-state placement may cause them to lose eligibility for their respective state’s Medicaid based coverage.
Short-term health insurance policies, traveler’s plans, or plans originating outside of the United States will not be accepted as part of the Waiver process.
If an acceptable waiver is not received by the posted waiver deadline, your enrollment in the student health insurance plan will be finalized, you will no longer be eligible for a refund of the fall 2018 premium, and your student account will automatically be assessed the applicable spring 2019 premium during registration.
Health insurance plans approved during the waiver process will be verified periodically to ensure students remain in compliance with the University’s health insurance coverage requirements.
Waiver Submission Deadlines
|Program/Class Year||Waiver Submission Deadline|
|MSMS 2019||June 30, 2018|
|ISAC 2022 (DO, DONW, DPM)||June 30, 2018|
|IPBP 2021||July 31, 2018|
|CGN (Incoming Students)||August 31, 2018|
|All Other Programs/Class Years||August 31, 2018|
|MSBS, MSHS, MSPS Spring Semester Starts||January 31, 2019|
|DMD-IDP 2021||March 30, 2019|
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 reversed 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 you will automatically be assessed the second half of the premium upon registration for the spring term.
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 25 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.
Periodic Waiver Verifications
If your waiver is approved, it is still subject to periodic verification throughout the academic year to ensure the plan you submitted is still active and still meets the University’s health insurance coverage requirements. It is incumbent on the student to ensure their plan remains active and in compliance with the University’s health insurance requirements throughout the current academic year, including summer and holidays.
If your plan is found to be inactive or out of compliance, the University reserves the right to enroll a student in the student health insurance plan from the start of the period of non-compliance (even if your termination date was in the past) through the end of the current academic year. If your plan is found out of compliance, you will receive an e-mail notification from WesternU and you will have 14 calendar days to respond. If you have not responded within 14 calendar days, the University will proceed with enrollment in the student health insurance plan, assess your student account the applicable premium charges, and notify your program of your non-compliance with the University’s health insurance requirements.
Involuntary Loss of Coverage/Age-Outs
If you originally waived out of the student health insurance plan but find that you need health insurance coverage later in the year due to an involuntary loss of coverage or if you have aged out of your parents’ insurance plan, 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. Students have 30 calendar days after an involuntary loss of coverage to enroll in the student health insurance plan or submit updated proof of coverage.
Frequently Asked Questions
If I remain enrolled in the student health insurance plan, can I opt out of the plan at the start of the spring term?
No, 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 the plan’s enrollment period has passed.
What happens to my student health insurance coverage if I am no longer enrolled (i.e. withdrawal, LOA, suspension or dismissal)?
Except in the case of medical withdrawal due to Sickness or Injury, any student withdrawing from school during the first 31 days of the period for which coverage is purchased will not be covered under the student health insurance policy, and a full refund of Premium will be made, minus the cost of any claim paid by Aetna. Students withdrawing after such 31 days will remain covered under the student health insurance policy for the term purchased, and no refund will be allowed.
I am 25 and on a parent’s health insurance plan. I will turn 26 in January. Can I still waive out of the plan for part of the year?
Students who are currently covered under the health plan of a parent, but who will age-out of their coverage after the waiver deadline period, may use their current coverage to waive out of the student health insurance plan. Approximately 30-45 days prior to the student’s 26th birthday, our insurance verifier, HSAC, will reach out to students in this situation to determine if they wish to enroll in the student health insurance plan (at a prorated rate) or submit proof of coverage from another health insurance provider. If a student wishes to waive with coverage from another carrier, the coverage must meet the University’s minimum coverage requirements and must be submitted to HSAC for verification within 30 days of termination of existing coverage.
I waived out of the student health insurance plan at the start of the academic year, but now I am 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 your 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 firstname.lastname@example.org. 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 2018/2019 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 visit a WesternU Health location for health care services?
The providers at WesternU Health locations 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 at any WesternU Health location. 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 WesternU Health | Pomona 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 WesternU Health | Pomona 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%.