UNMC Sponsored Insurance

UNMC has contracted with the United Healthcare Student Resources Insurance Company to provide accident/illness insurance coverage. The plan also provides for outpatient surgery, dental, and prescription coverage. Students may participate in the UNMC-sponsored plan through United Healthcare Student Resources, or they may have their own plan through a parent, spouse, employer, or self. If students do not wish to participate in the University plan through United Healthcare, they must file a waiver verifying alternate insurance.

Refer to the United Healthcare site for the cost of the insurance per semester, as well as the coverage effective date, based on your program.

UNMC's student insurance plan includes medical, a $1,000 annual dental benefit, and prescription coverage for students (and their dependents, if needed, for an additional charge). There is an individual $500 yearly deductible or $1,000 family deductible through in-network providers, which is much lower than most insurance plans in the marketplace. Students must pay $500 before United will pay anything toward the student’s medical bills. The maximum out of pocket amount per school policy year that a student would be required to pay on their medical bills through an in-network provider is $2,200, with $4,400 total for the family plan.

If students are seen in the campus Student Health Clinic for their medical care, then everything done in the clinic is covered by United at 100% (after first covered by the Fund B Student Health). If students are seen by a provider outside of the Student Health Clinic and have medical procedures done, the $500 deductible may be applied by United to the medical bills/charges. There is also an office copay amount to pay, which is either $20 or $30, depending on the type of physician seen.

Coverage by United is 80% at an in-network United provider, which means that your responsibility will be 20% for the remaining medical charges. The United coverage will be only 50% through an out-of-network provider.

United provides 100% coverage for an annual physical exam, but it must be done through an in-network provider. United also has an annual $50 eye exam benefit at the Truhlsen Eye Institute. Glasses and contacts are not covered unless the student has an eye injury or disease such as macular degeneration. The school does not offer vision insurance; students may purchase an individual vision plan through United Healthcare.