Please contact your HMO insurance provider to find out if this option is available. Some HMOs offer guest membership plans which provide healthcare benefits to continue at the same level when away from home. Specifically for diagnostic testing (lab work and x-rays) and referrals to specialists. If you are from out-of-state, we strongly recommend that you check with your insurance provider to be certain that your plan benefits extend to the state of Maryland. To waive SHIP coverage, please review your current plan to be sure that you have comparable coverage based on Loyola’s waiver criteria below. Once enrolled the plan cannot be cancelled and no refunds are available. Once the waiver is received and approved, the insurance charge will be removed from the student bill within 7-10 business days.Īny student failing to complete the online waiver by the deadline will automatically be enrolled in the student health insurance plan and will held responsible for the cost of the insurance. Providing insurance information to Student Health Services does not substitute for the waiver requirement. All waivers must be completed by the posted deadline. This is referred to as a “hard waiver.” A waiver is required each academic year without exception. Students who do not wish to retain the SHIP must file an online waiver each academic year to have the charge removed from their tuition bill. Coverage effective Janu– AugWaiver Requirement Spring enrollment is for new students only. *This cost is subject to change for new students who sign up for coverage beginning with the spring 2024 semester. The cost of the Student Health Insurance plan is charged directly to the student tuition bill. The student health insurance plan for the 2023-2024 academic year is being underwritten by United Healthcare Insurance Company for coverage effective Aug– August 14, 2024.Įnroll or Waive Coverage The deadline to take action on the SHIP is AugCost Contact: Paige Fritze at 80 extension 1607 or email 2023-2024 Plan Year Information **Graduate students insurance portal will open on August 7, 2023. Our student health insurance broker, RCM&D, can advise you on how to obtain a Guest Membership or Out-of-State Coverage. To determine if you will have coverage for all medical care, contact your insurance company to explain that you will be attending college in another state. These plans are normally available at no additional cost. A Guest Membership Plan will provide medical coverage to the student while they are pursuing a degree out-of-state. These programs are referred to as Guest Memberships or Out-of-State Coverage. Most major health insurance companies offer special programs for students attending college in another state. Out-of-State students utilizing an HMO health plan may not be covered for routine medical care unless that care is provided in their home state. Please see our Clinical Fees page for more information. Any charges accrued during a visit are due at the time of services and are payable by cash, credit/debit, check or Evergreen card. Student health insurance is utilized for send out laboratory testing only. While insurance is required for all students, the Loyola Student Health Services office does NOT bill insurance for services provided in our office. The American College Health Association notes the “SHIPs are an outstanding value for students due to robust and broad coverage, often at half the cost of comparable employee plans…SHIPs are uniquely designed for the lifestyles of college students". The purpose of the health insurance requirement is to ensure that students have adequate coverage and to avoid the accumulation of unexpected medical bills that could cause an interruption of one's education. You can reach InsureOneBenefits at 80 Purpose of Health Insurance Requirement Loyola University Maryland has secured the services of InsureOneBenefits to assist students with a search of alternative health insurance plans. Students are not required to purchase the SHIP sponsored by the University and can purchase coverage meeting all of the standards of the Affordable Care Act. This waiver is required each academic year without exception. Students who do not wish to be enrolled in the SHIP must submit an online waiver along with proof of adequate alternate coverage. In order to ensure coverage, the university automatically enrolls all full-time students in the SHIP and the cost of the plan is charged to the student tuition bill. SHIP provides ideal coverage for most members of the Loyola community. The Loyola Student Health Insurance Plan (SHIP) is a comprehensive student health insurance plan underwritten by United Healthcare and available exclusively to Loyola students actively enrolled in 12 or more credits. Student health insurance is a mandatory requirement for all full-time undergraduate and graduate students at Loyola University Maryland.
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