As a student at the University of Illinois at Urbana-Champaign (UIUC), you have access to a comprehensive student insurance plan. This plan offers a range of benefits and services to ensure that you stay healthy and safe during your time at UIUC. In this article, we will go over everything you need to know about UIUC student insurance, including what it covers, how to enroll, and frequently asked questions.
What is UIUC Student Insurance?
UIUC student insurance is a comprehensive insurance plan that is available to all students at the University of Illinois at Urbana-Champaign. This plan is designed to provide coverage for a range of medical services, including doctor visits, hospital stays, and prescription drugs. It also includes coverage for mental health services, vision and dental care, and travel assistance.
UIUC student insurance is provided by United Healthcare, a leading provider of health insurance in the United States. This means that you will have access to a large network of healthcare providers both in and out of the UIUC area.
What Does UIUC Student Insurance Cover?
UIUC student insurance covers a wide range of medical services, including:
Service |
Coverage |
Doctor Visits |
100% coverage after $10 copay |
Hospital Stays |
100% coverage after $100 copay |
Prescription Drugs |
100% coverage after $15 copay for generic drugs |
Mental Health Services |
100% coverage for in-network providers |
Vision Care |
100% coverage for one annual exam and one pair of glasses or contacts |
Dental Care |
80% coverage for basic services, 50% coverage for major services |
UIUC student insurance also includes coverage for travel assistance, which can be helpful if you are studying abroad or traveling for academic reasons. This coverage includes emergency medical evacuations, repatriation of remains, and 24/7 travel assistance services.
How Do I Enroll in UIUC Student Insurance?
All students at UIUC are automatically enrolled in the student insurance plan at the start of each academic year. The cost of the insurance is automatically added to your tuition and fees. If you wish to waive the insurance, you must provide proof of other comparable coverage by a certain deadline. You can find more information on the UIUC Student Insurance website.
Frequently Asked Questions
Can I Use UIUC Student Insurance Outside of Illinois?
Yes, UIUC student insurance provides coverage both in and out of Illinois. If you need medical care while traveling or studying abroad, you can access emergency medical care and travel assistance services through your insurance plan.
Do I Need to Show My Insurance Card When I Go to the Doctor?
Yes, you should always bring your insurance card with you when you go to the doctor. This will ensure that the doctor has all of the information they need to file a claim with your insurance provider. You can access your insurance card through the United Healthcare website or mobile app.
What Should I Do If I Have a Medical Emergency?
If you have a medical emergency, call 911 or go to the nearest emergency room. You do not need to get pre-authorization for emergency medical care, but you should notify United Healthcare within 48 hours of receiving care.
Are There Any Exclusions or Limitations to UIUC Student Insurance?
Yes, there are some exclusions and limitations to UIUC student insurance. For example, pre-existing conditions are not covered for the first 12 months of enrollment. Elective cosmetic surgery is also not covered. You should review your insurance plan documents carefully to understand what is and is not covered.
Can I Add Dependents to My UIUC Student Insurance?
Yes, you can add dependents to your UIUC student insurance for an additional fee. Dependents include spouses or domestic partners and children under the age of 26. You can find more information on the UIUC Student Insurance website.
In conclusion, UIUC student insurance is a comprehensive insurance plan that provides coverage for a range of medical services, including doctor visits, hospital stays, and prescription drugs. It also includes coverage for mental health services, vision and dental care, and travel assistance. All students at UIUC are automatically enrolled in the student insurance plan, but you can waive the insurance if you have comparable coverage. If you have any questions about UIUC student insurance, you can visit the UIUC Student Insurance website or contact United Healthcare directly.
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