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Graduate 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 is administered by United Healthcare Student Resources (UHCSR). Health insurance may be purchased each semester or on an annual basis. For 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, please visit the Human Resources page for Individual Dental and Vision Insurance.

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.

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".

GTAs, GRAs, and GAs: Employer Subsidy Eligibility

Graduate Teaching Assistants (GTAs), Graduate Research Assistants (GRAs), and Graduate Assistants (GAs) may be eligible for an employer subsidy of the student-only premium if they elect to purchase the voluntary student health insurance plan. For more information about subsidy amounts and eligibility, visit the Human Resources webpage.

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.

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".

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".

Cost

Differentiated Plan Pools

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

Incentivized Pool

The Incentivized Pool includes students who are mandated to have health insurance coverage, such as international students and health sciences students. It also includes graduate students who hold qualifying fellowships, traineeships, or appointments as Graduate Teaching Assistants (GTAs), Graduate Research Assistants (GRAs), and/or Graduate Assistants (GAs). Specific information about these categories is provided above.

Incentivized Pool Premiums: Health Sciences Students, International Students, Fellows, and Trainees
Insured Annual Fall Spring Spring/Summer Summer
Student $2,260.00 $1,139.00 $744.00 $1,121.00 $377.00
Spouse $2,260.00 $1,139.00 $744.00 $1,121.00 $377.00
Each Child $2,260.00 $1,139.00 $744.00 $1,121.00 $377.00
All Children $4,520.00 $2,278.00 $1,488.00 $2,242.00 $754.00
All Dependents $6,780.00 $3,417.00 $2,232.00 $3,363.00 $1,131.00
Incentivized Pool Premiums: Qualifying GTAs, GRAs, GAs
Insured Annual Fall Spring Spring/Summer Summer
Student $2,260.00 $941.00 $941.00 $1,319.00 $378.00
Spouse $2,260.00 $941.00 $941.00 $1,319.00 $378.00
Each Child $2,260.00 $941.00 $941.00 $1,319.00 $378.00
All Children $4,520.00 $1,882.00 $1,882.00 $2,636.00 $754.00
All Dependents $6,780.00 $2,823.00 $2,823.00 $3,954.00 $1,131.00
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 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.

Payer Portion Annual Fall Spring Spring/Summer Summer
Student Responsibility $565.50 $235.25 $235.25 $330.25 $95.00
University Responsibility $1,694.50 $705.75 $705.75 $988.75 $283.00

Voluntary Pool

The Voluntary Pool 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, and whose programs do not require health insurance coverage.

Insured Annual Fall Spring Spring/Summer Summer
Student $3,543.00 $1,518.00 $1,518.00 $2,125.00 $591.00
Spouse $3,543.00 $1,518.00 $1,518.00 $2,125.00 $591.00
Each Child $3,543.00 $1,518.00 $1,518.00 $2,120.00 $591.00
All Children $7,086.00 $3,036.00 $3,026.00 $4,250.00 $1,182.00
All Dependents $10,629.00 $4,554.00 $4,554.00 $6,375.00 $1,773.00

Facility Charges

The benefits regardng 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.

Enrollment

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.
  • It is the student's responsibility to apply for and renew health insurance each semester or year. UHCSR will not send reminders.

 

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 are included in the incentivized premium pool if they hold an appointment of at least 0.50 FTE. For health insurance, eligible GTAs, GRAs, and GAs should use the enrollment links on Human Resouce 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 Director of Graduate Studies to coordinate 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.

Effective Coverage Dates

Health insurance may be purchased each semester, in alignment with the effective coverage dates below, or on an annual basis. The plan year for dental and vision insurance runs August 1st through July 31st.

Coverage dates for all international students as well as benefits-eligible GTAs, GRAs, and GAs align with the appointment dates for instructional and academic staff. Coverage dates for all other enrollees in the student health insurance plan will reflect the modified academic calendar dates for the academic year 2020-2021.

International Studetns and Benefits-Eligible GTAs, GRAs, and GAs

Semester Coverage Period Effective Date
Fall Aug. 1st 2020 to Dec. 31st 2020 Aug. 1st 2020
Spring Jan. 1st 2021 to May 31st 2021 Jan. 1st 2021
Summer Jun. 1st 2021 to Jul. 31st 2021 Jun. 1st 2021

Voluntary, Health Sciences, Fellows, and Trainees

Semester Coverage Period Effective Date
Fall Aug. 1st 2020 to Jan. 31st 2021 Aug. 1st 2020
Spring Feb. 1st 2021 to May 31st 2021 Feb. 1st 2021
Summer Jun. 1st 2021 to Jul. 31st 2021 Jun. 1st 2021

Undergraduate Students

Undergraduates may find more specific information about health insurance on the UHCSR website.


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