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Student Health Insurance

Frequently Asked Questions


 

 Basic Insurance Information

 

 Why do I need to have insurance?

It is a requirement under the law. All students are required to have some form of health insurance that meets the minimum essential coverage standards of the Affordable Care Act. 

Therefore, all students enrolled in one or more credit hours in a degree-seeking or financial aid eligible certificate program are required ​​to have insurance and are automatically billed for the Student Health Insurance Plan. If you have a comparable insurance plan, you may qualify to waiv​e the Student Health Insurance Plan.​

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 What if I already have insurance?

You can waive out of the student insurance plan by filling out an insur​ance waiver. Your personal insurance must meet all the requirements stated on the Enrolling or Waiving Health Insurance page to be approved. Waivers must be submitted each year before the stated deadlines.

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 Contact

 

 What is the Office of Student Health Promotion?

The Office of Student Health Promotion is available to assist all students on the CU Anschutz Campus with questions related to student health insurance. The ​​Office of Student Health Promotion also works to strategically create and support a culture of health and wellness across campus. 

The Office of Student Health Promotion welcomes each of you to the University of Colorado Denver - Anschutz Medical Campus. We are looking forward to assisting you in maintaining good health while you achieve your educational goals.

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 How do I contact the Office of Student Health Promotion?

Phone: 303-724-7674  

Email: CUAnschutzStudentInsurance@ucdenver.edu

Hours are by appointment only​. Please email our office to schedule an appointment. 

Location: CU Anschutz Medical Campus, Education II North, Room #3213

Mailing address:
       CU Anschutz Medical Campus 
       Mail Stop A035
       Education II, North
       Room #3213
       Aurora, CO 80045​
​​

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 Eligibility

 

 Are students automatically enrolled in a student health insurance plan?

All students enrolled in one or more credit hours in a degree-seeking or financial aid eligible certificate program are required to have insurance. As a result, all students taking one or more credit hours are automatically benrolled in and billed for the Student Health Insurance Plan at the start of the fall and spring semester. ​​

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 Which certificate programs are eligible for the student health insurance plan?

Please visit Financial Aid Eligible Certificate Programs that Qualify for Student Health Insurance for more information on specific programs. 

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 Who is required and/or eligible to have a health insurance plan?

All students enrolled in one or more credit hours in a degree-seeking or financial aid eligible certificate program are required to have insurance.​​​​​

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 Who is required and/or eligible to have dental health insurance?

As a University of Colorado, Anschutz Medical Campus student, if you are enrolled in the student health insurance plan, you will also have access to the Anthem BlueCross BlueSheild Dental Discount Program. 

PhD students on the Anschutz Medical Campus are automatically enrolled in the Anthem BlueCross BlueSheild Dental Plan if they are in a qualifying program and enrolled on the student health insurance plan.​​​
​​

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 Plan Coverage and Cost

 

 How much will the plan cost?

Annual coverage for the 2017-2018 academic year is $3,949.00. 

Spring/Summer 2018 is $2,293.00 for January 1, 2018 - July 31, 2018. 

Summer 2018 is $660.00 for June 1, 2018 - July 31, 2018. 

Please visit the Dates, Deadlines, & Costs page for more information. 

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 When will my coverage begin?

Annual coverage for the 2017-2018 academic year is from August 1, 2017 to July 31, 2018. 

Fall 2017 coverge is August 1, 2017 to December 31, 2017. 

Spring/Summer 2018 coverage is Janurary 1, 2018 to July 31, 2018. 

Summer 2018 coverage is June 1, 2018 to July 31, 2018. 

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 Where do I find a list of providers?

You can find a list of providers on the United Health Care Student Resource page. ​

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 When do I pay my premium?

Yo​ur premiums are added to your tuition bill each semester. You will not have a monthly payment due. ​​​​

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 How do I authorize Financial Aid to pay my student health insurance charges?

Please visit the “How To” section of the Bursar’s Office website to review how to authorize financial aid to pay all charges.​​

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 How do I obtain an insurance card?

An ID Card from UnitedHealthcare StudentResources (UHSR) is available in My Account. Due to UnitedHealhCare StudentResources 'Go Green' effort, a card will not automatically be mailed to you. You will need to take one of the following actions to access your ID Card.

To obtain your ID Card information through the UHSR mobile app:

Download the app, which is available on the Apple App Store and on Google Play. Download it by searching for UHCSR.

To obtain your ID Card information via the My Account website:

Access My Account

Once logged in, you may select "Request Permanent ID Card" or "View or Print ID Card" after clicking the "ID Card Information" link in the left navigation.​​​​​

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 How do I access my online account?

Please take a moment to register for My Account.

My Account is a valuable tool to help manage your health care benefits. Once logged in, you can access your plan materials, view important messages, check claims status, submit online forms, update your personal information and learn about your ancillary benefits. You can also find information regarding the new 1095-B tax form and why UnitedHealthCare StudentResources may need your SSN/ITIN number (where applicable).

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 Will I have the option for dental coverage through the student health insurance plan?

As a University of Colorado, Anschutz Medical Campus student, if you are enrolled in the student health insurance plan, you will also have access to the Anthem BlueCross BlueSheild Dental Discount Program. 

PhD students on the Anschutz Medical Campus are automatically enrolled in the Anthem BlueCross BlueSheild Dental Plan if they are in a qualifying program and enrolled on the student health insurance plan.​​

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 How do I submit a claim?

The claims form can be found here

Claims can be mailed to: UnitedHealthcare StudentResources 
P.O. Box 809025 Dallas, TX 75380-9025

The claims submission address is also located on the back of your Insurance ID card. ​​​

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 Does this plan cover dependents?

We currently do not offer the option of enrolling dependents on our student insurance plan. We recommend contacting the Colorado Healthcare Exchange to find suitable care. Additionally, the insurance providers below offer a range of plans in Colorado: 

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 Waiving

 

 How do I waive the student health insurance?

You can waive the student health insurance plan by completing and submitting an insurance waiver in the waiver portal. Your personal insurance must meet all the requirements stated under Enrolling or Waiving Health Insurance to be approved. Waivers must be submitted each academic year before the stated deadlines. ​​​​​

For students wishing to waive health insurance for the 2017-2018 academic year or Fall 2017 semester, the waiver portal will be open in late summer and students will be notified via email.​

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 When can I waive coverage?

Fall 2017: All students will receive an email when the waiver portal is open in late summer. The waiver portal will close on August 31, 2017.  

Spring 2018: The waiver deadline will be February 9, 2018. 

Summer 2018: The waiver deadline will be June 29, 2018. 

The deadline to apply for a waiver varies by semester. For more specific information, please contact the Office of Student Health Promotion at (303) 724-7674 or email CUAnschutzStudentInsurance@ucdenver.edu

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 How often must I fill out a waiver form? ​

The waiver form must be submitted each academic year.​  

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 If I waived student health insurance last year, do I need to do it again?

Student health insurance must be waived every academic school year in the fall. If you are a student starting on campus during the spring or summer semester, you will need to complete a waiver at that time and again in the fall.​​

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 Does my insurance plan qualify to waive the Student Health Insurance?

If you are able to answer "yes" to the following questions, your insurance plan qualifies to waive student health insurance:

  • Does your plan have In-Network non-emergent care providers in the Denver metropolitan area?

  • Is your In-Network deductible $3,000 single or a $6,000 family deductible or less?

  • Does your plan have Mental Health parity (i.e. covers mental health as any other sickness)?

  • Does your plan cover Preventative Care at 100% with no cost to the insured?

  • Does your plan cover Pre-Existing Conditions? Maternity? Transgender Services?

    • *If you answer “no” to any of the three questions, you must answer “no.” Unless your policy specifically excludes transgender services in writing, your insurance will provide these services.*  

  • Does your plan cover prescriptions?

  • Does your plan meet Minimum Essential Coverage as defined in PPACA? Will your plan provide to you a 1095B indicating that you maintained the appropriate coverage to meet the mandate for coverage? ​​​

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 I submitted my student health insurance waiver application and it was denied - why did this happen?

In order to waive student health insurance, the UnitedHealthcare waiver portal does require that you meet all of the requirements listed. This means that you would need to be able to answer "Yes" to every question. If you answer "No" to a given question, it tells UnitedHealthcare and CU Anschutz that you do not meet the minimum requirements.​

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 What options do I have if my student health insurance waiver application is denied?

  1. Talk to your current insurance provider to see if you are able to change your coverage to meet the minimum requirements. 

  2. Plan on enrolling in student health insurance.

  3. Contact the Office of Student Health Promotion to inquire about completing a Waiver Appeal form. The Waiver Appeals Committee meets monthly to review Waiver Appeals and issue a final decision. ​

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 Once I submit my waiver application and it is approved, when can I expect the charge to come off of my student account?

​It takes up to five business days for the charge to drop off of your student account after a successful waiver submission. 10


 

 Needle Sticks and Exposures

 

 What do I do if I am exposed?

Employees, faculty, residents, and students that have needle-sticks or bodily fluid exposures should seek immediate medical attention in the Emergency Room of the hospital where the work related incident occurs.

For more detailed information please refer to Incident procedures.pdf​​​​. 

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 Where should I go if I am exposed?

University of Colorado Hospital (UCH) 

Go to the Infectious Disease Clinic at Anschutz Outpatient Pavilion

1637 Aurora Court, 7th floor

Between 8:00 AM and 4:00 PM 

Monday -Friday, or the Emergency Room after hours.

Denver Health Medical Center (DHMC)

Go to the Occupational Health and Safety Center

Corner of 6th Avenue and Bannock, 4th Floor

Between 8:00 AM - 3:30 PM 

Monday through Friday or the Emergency Room after hours.


Employees working in small clinics or in laboratories off campus should go to the nearest emergency room or facility that can perform a blood draw.


Students, volunteers or others not covered by workers’ compensation should contact their personal healthcare provider.

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 What about non-emergent or follow-up medical care?

For non-emergency or follow-up medical care for your workers’ comp injury, you must go to one of the following Designated Medical Providers approved by University Risk Management for more information and to fill a claim please visit https://www.cu.edu/content/workerscompensation​

University Risk Management

​1800 Grant Street, Suite 700 
Denver, CO 80203 
Phone: 303-860-5682
Fax : 303-860-5680​
​​

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 I have an additional question reguarding a needle stick exposure and workers compensation.

Please direct any workers’ compensation questions to University Risk Management (303) 860-5682, (888) 812-9601, or University of Colorado Denver Risk Management (303) 724-6497​.​​​​

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Office of Student Health

Phone: 303-724-7674

Street Address: Education II, North, Room #3213

E:mail: CUAnschutzStudentInsurance@ucdenver.edu

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