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Student Health Insurance


Overview

Since 2007, the University of Kansas has offered students the option to purchase health, dental, and/or vision insurance through the Kansas Board of Regents’ plans. All students may choose to purchase any one or more of these types of coverage.

The optional student health insurance plan (SHIP) is administered by United Healthcare Student Resources (UHCSR). Most students may choose to purchase health insurance each semester or on an annual basis during the designated open enrollment periods. (Please note that qualifying graduate student employees may only purchase one semester at a time.) Students who experience a Qualifying Life Event (QLE) may qualify to enroll in coverage outside of an open enrollment period. For general information about the student health insurance plan, please visit the UHCSR website.

Dental and vision insurance are separate plans and may be purchased a la carte. Dental and vision coverage are not packaged within the health insurance plan and are available on an annual basis only. For information about these options, including the dates of the open enrollment period, please visit the Human Resources page for Individual Dental and Vision Insurance.


Plan Categories

The SHIP is divided into several plan pools or categories to better serve some specific needs for certain groups of students. Undergraduate and graduate students may qualify for enrollment in the Voluntary, Health Sciences, or International groups for SHIP coverage. Graduate students may also qualify to enroll under one of two additional pools, depending on whether they are funded through a GTA, GRA, or GA appointment or through a fellowship or traineeship. Students should review the criteria for each category below and select the one that best describes their own circumstances for the period in which they wish to purchase coverage.

Students who choose to purchase health insurance fall into one of two plan pools: incentivized or voluntary.

I.  Incentivized Plan

The Incentivized Plan includes 1) students who are mandated to have health insurance coverage, such as international students and health sciences students, 2) includes graduate students who hold qualifying fellowships or traineeships, and 3) graduate students who hold appointments as Graduate Teaching Assistants (GTAs), Graduate Research Assistants (GRAs), and/or Graduate Assistants (GAs) of at least .50 FTE. Premium costs for the incentivized plan are available to students in these categories at a lower rate compared to the general voluntary plan. Specific information about these categories is provided below. 

International Students

Most international students are required by the Kansas Board of Regents to maintain qualifying health insurance. For more information about requirements for international students, please consult International Support Services.

The plan summary brochure, certificate of coverage, and enrollment links for international students are linked below under "Enrollment".

Health Sciences Students

Some students are required to carry health insurance because they are enrolled in specifically identified health sciences programs. On the KU Lawrence campus, these are the Speech-Language Pathology and Pharm.D. programs. Health sciences students on the Lawrence campus should seek enrollment information and assistance from their departments.

The plan summary brochure, certificate of coverage, and enrollment links for health sciences students are linked below under "Enrollment".

GTAs/GRAs/GAs and Employer Subsidy Eligibility

Graduate Teaching Assistants (GTAs), Graduate Research Assistants (GRAs), and Graduate Assistants (GAs) are eligible for the Incentivized pool plan.  Additionally, GTA/GRA/GAs with an appointment of at least .50 FTE (20 hours/week) are eligible for an employer subsidy of the student-only premium if they elect to purchase the voluntary student health insurance plan. Note that GTA/GRA/GA appointments must meet qualifying start and end dates. For more information about appointment length for eligibility, visit the Human Resources webpage. For detail regarding subsidy/employer-paid amounts, see "Academic Year 2022-2023 Costs" in the Costs section below.

The University will individually review all applications for the employer-subsidized option to verify eligibility and approve the application. Once the application is approved, the GTA, GRA, or GA will receive an email with a link to pay for the student’s portion of the premium.

The plan summary brochure and certificate of coverage for eligible GTAs, GRAs, and GAs are linked below under "Enrollment". The enrollment links are hosted on Human Resource Management's page.

Fellows and Trainees

Students who are funded on prestigious fellowships and traineeships may be eligible to enroll in the student health insurance plan at the incentivized rate (see "Cost" section below). For detailed eligibility information, students should ask their department's Director of Graduate Studies to coordinate with the Office of Graduate Studies. For enrollment purposes, qualifying fellows and trainees share an enrollment pool with Health Sciences students. For more details about the process, see the "Enrollment" section below.

The plan summary brochure, certificate of coverage, and enrollment links for fellows and trainees are linked below under "Enrollment".

II.  Voluntary Plan

The Voluntary Plan includes students whom the Kansas Board of Regents has classified as voluntary participants, such as domestic students who do not hold a qualifying GTA, GRA, or GA appointment, who are not funded by a fellowship or traineeship, or whose program do not require health insurance coverage.


Cost

Academic Year 2021-2022 Costs

Incentivized Pool Premiums: Health Sciences Students, International Students, Fellows, and Trainees
Insured Annual Fall Spring Spring/Summer Summer
Student $2,462.00 $1,025.50 $1,025.50 $1,436.50 $411.00
Spouse $2,462.00 $1,025.50 $1,025.50 $1,436.50 $411.00
Each Child $2,462.00 $1,025.50 $1,025.50 $1,436.50 $411.00
All Children $4,924.00 $2,051.00 $2,051.00 $2,873.00 $822.00
All Dependents $7,386.00 $3,076.50 $3,076.50 $4,309.50 $1,233.00
Incentivized Pool Premiums: Qualifying GTAs, GRAs, GAs
Insured Fall Spring Summer
Student $1,025.50 $1,025.50 $411.00
Spouse $1,025.50 $1,025.50 $411.00
Each Child $1,025.50 $1,025.50 $411.00
All Children $2,051.00 $2,051.00 $822.00
All Dependents $3,076.50 $3,076.50 $1,233.00
Employer Subsidy Amounts for Eligible GTAs, GRAs, and GAs

As described in the "GTAs, GRAs, and GAs: Employer Subsidy Eligibility" section above, GTAs, GRAs, and GAs who hold a qualifying appointment and who enroll in the SHIP will receive an employer subsidy of 75% of the cost of the student-only premium. Premiums for spouses and children are not subsidized and will be charged according to the Incentivized Pool rate chart above.

The table below breaks down the student and university responsibilities toward the subsidized student-only premium. Also, note that because employment is verified each semester, the GTA/GRA/GA plan is available for purchase one semester at a time.

Payer Portion Fall Spring Summer
Student Responsibility $256.38 $256.38 $103.00
University Responsibility $769.13 $769.13 $308.00
Voluntary Plan Pool Premiums
Insured Annual Fall Spring Spring/Summer Summer
Student $3,861.00 $1,607.50 $1,607.50 $2,253.50 $646.00
Spouse $3,861.00 $1,607.50 $1,607.50 $2,253.50 $646.00
Each Child $3,861.00 $1,607.50 $1,607.50 $2,253.50 $646.00
All Children $7,722.00 $3,215.00 $3,215.00 $4,507.00 $1,292.00
All Dependents $11,583.00 $4,822.50 $4,822.50 $6,760.50 $1,938.00

 

Academic Year 2022-2023 Costs

Incentivized Plan Premiums: GTAs, GRAs, and GAs*, Health Sciences Students, International Students, Fellows, and Trainees
Insured Annual Fall Spring Spring/Sum Summer
Student $2,658.00 $1,107.00 $1,107.00 $1,551.00 $444.00
+ Spouse $5,316.00 $2,215.00 $2,214.00 $3,102.00 $888.00
+ One Child $5,316.00 $2,215.00 $2,214.00 $3,102.00 $888.00
+ Multiple Children $7,974.00 $3,321.00 $3,321.00 $4,653.00 $1,332.00
+ Spouse and 1 Child $7,974.00 $3,321.00 $3,321.00 $4,653.00 $1,332.00
+ Spouse and >1 Child $10,632.00 $4,428.00 $4,428.00 $6,202.00 $1,776.00
*Employer-Paid Subsidy Amounts for .50 FTE GTAs, GRAs, and GAs

As described in the "GTAs, GRAs, and GAs: Employer Subsidy Eligibility" section above, GTAs, GRAs, and GAs who hold an appointment of at least .50 FTE (20 hrs/week) and who enroll in the SHIP will receive an employer subsidy of 75% of the cost of the student-only premium. Note that GTA/GRA/GA appointments must meet qualifying start and end dates. For more information about appointment length for eligibility, visit the Human Resources webpage.

Premiums for spouses and children are not subsidized and will be charged according to the Incentivized Pool rate chart above. The table below breaks down the student and university responsibilities toward the subsidized student-only premium.

Also, note that because employment is verified each semester, the GTA/GRA/GA plan is available for purchase only for one semester at a time.

Payer Portion Fall Spring Summer
Student Responsibility $276.75 $276.75 $111.00
University Responsibility $830.25 $830.25 $333.00

 

 

Voluntary Plan Premiums
Insured Annual Fall Spring Spring/Summer Summer
Student $4,998.00 $2,081.50 $2,081.50 $2,915.50 $835.00
No Dependent Option* NA NA NA NA NA

*Starting with the 2022-2023 plan year, family/dependent coverage is no longer available for the Voluntary plan. 


Enrollment and Coverage Periods

Enrollment Links

Students apply online for health, dental, and/or vision insurance coverage at the UHCSR website. The landing page for this site displays several boxes indicating various plans. Students should enroll using the process that best fits their eligibility criteria. The appropriate box to select is indicated under each of the categories below.

Please Note:

  • Enrollment is not complete until UHCSR has received the student's portion of the premium payment.
  • UHCSR usually updates the enrollment links for each new plan year in July. If you are trying to enroll for the upcoming plan year, please check back closer to the end of summer.
  • It is the student's responsibility to apply for and renew health insurance each semester or year. UHCSR will not send reminders.
Below are the links for Plan Year 2021-2022. Enrollment for Plan year 2022-2023 will open July 19, 2023.

International Students

For health insurance, international students should select the "Medical - International - Student Plan" option on the UHCSR website. For dental insurance, select "Dental - International - Student Plan". For vision insurance, select "Vision - International - Student Plan".

Eligible GTAs, GRAs, and GAs

GTAs, GRAs, and GAs that hold a qualifying appointment of at least 0.50 FTE should use the enrollment links on Human Resource Management's page.

For dental insurance, select the "Dental - GA/TA PLAN" option on the UHCSR website. For vision insurance, select "Vision - GA/TA PLAN".

Health Sciences Students

Health sciences students who are required to carry health insurance are included in the incentivized premium pool. On the KU Lawrence campus, this includes students in the Speech-Language Pathology and the Pharm.D. programs. For health insurance, health sciences students should select the "Medical - Health Science Students Plan" on the UHCSR website. For dental insurance, select "Dental - Health Science Students Plan". For vision insurance, select "Vision - Health Science Students Plan".

Fellows and Trainees

Students who are funded by prestigious fellowships and traineeships may be eligible for inclusion in the incentivized premium pool. On the KU Lawrence campus, students who think they may qualify for classification as a fellow or trainee should ask their department's graduate program coordinator or contact with the Office of Graduate Studies. Fellows and trainees will receive a specialized enrollment link via email. If you believe you should have received this link and you have not, please contact the Office of Graduate Studies.

Coverage and Enrollment Dates

All Plans (Incentivized and Voluntary)

Semester Coverage Period Effective
Date of Coverage
Open Enrollment Period
Fall: Medical Aug 1 to Dec 31 Aug 1 Mid-July through Aug 31
Spring: Medical Jan 1 to May 31  Jan 1 Mid-Dec through Jan 31
Summer: Medical Jun. 1 to Jul 31 Jun 1 Mid-May through June 30
Annual: Dental and/or Vision Aug 1  to Jul 31 Aug 1 Aug 1 to Sep 13

 


Providers

Preferred Providers

UHCSR provides assistance in identifying preferred providers. Students may visit their website and click on "Find Providers" or contact United Healthcare Student Resources Customer Service.

UHCSR provides assistance in identifying preferred providers. Students may visit their website and click on "Find Providers" or contact United Healthcare Student Resources Customer Service.

Facility Charges

The benefits regarding physician’s visits, consultant physician fees, and outpatient hospital facility or clinic visits are treated the same across all student health care plans. However, each fee depends on how the provider bills the charges.
  • If an in-network provider bills a physician’s visit, a $25 co-pay per visit applies, and it is not subject to the deductible and has 0% patient responsibility coinsurance. If an in-network provider bills a consultant physician fee, the in-network deductible per year applies, as well as the 25% patient responsibility coinsurance once the deductible is satisfied.
  • If the in-network provider bills an outpatient hospital facility or clinic visit, the in-network deductible and coinsurance will apply. If that visit is billed as a facility or clinic visit, the deductible and coinsurance will apply.
  • The deductible will be waived and benefits will be paid at 100% for covered medical expenses incurred when treatment is rendered at the Student Health Center (SHC). A $5 copay will be applied for each lab or x-ray procedure, except where noted in the policy, when at the SHC. For Ledger Billing/SHC claims: The Deductible is waived and the $25 copay for Physician Visits/Mental Illness visits are waived.

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