University Sponsored Health Insurance

The Student Health Center strongly encourages all students to have health insurance to help defray the costs of their healthcare. The University sponsored health insurance plan provides coverage specifically for students including coverage for accidents or illness on and off campus. Information about the plan is mailed to students prior to fall semester and can be obtained from the SHC Student Health Insurance Office at (205) 348-4086 or online at our website. The University of Alabama has renewed the “Student Injury and Sickness Insurance Plan” with United Healthcare Student Resources (UHCSR) for another plan year that covers August 2016 through July 2017. Eligible UA students can enroll in that voluntary health plan on a semester-to-semester basis, or they can enroll for an entire plan year as explained below. Enrollment for the Fall 2016 semester for UA domestic students (Undergraduate and Graduate) begins on 07/25/2016 and ends 8/24/2016. Enrollment for the Spring 2017 semester for UA international students (Undergraduate and Graduate) begins on 01/18/2017 and ends 2/10/2017.

Both of the voluntary UHCSR student injury and sickness insurance policies 2016-328-1 and 2016-328-4 will provide unlimited annual and unlimited lifetime dollar coverage per insured person for the August 2016 - July 2017 plan year with no waiting period for pre-existing medical conditions, because these UHCSR student injury and sickness insurance policies comply with all aspects of the health care reform law as it pertains to student health insurance plans.

Eligibility
All undergraduate students taking 6 or more credit hours and all graduate students taking 3 credit hours are eligible to enroll in the University sponsored insurance plan. All international students are required to be insured and will be billed on their Student Receivables account.
Dependents

Eligible students who do enroll in the University sponsored health insurance plan may also insure their dependents. Eligible dependents are the spouse and unmarried children under 26 years of age who are not self-supporting. Dependent eligibility expires concurrently with that of the insured students.

Requirements
Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence, internet classes and television (TV) courses do not fulfill the eligibility requirements that the student actively attend classes. If and whenever the company discovers that the policy eligibility requirements have not been met, its only obligation is refund of premium.

UHCSR Policies

UnitedHealthcare Student Resources (UHCSR) is the underwriter for two voluntary student injury and sickness insurance policies offered to the following types of UA students who enroll on time and elect coverage to begin in August 2016.

Since the Affordable Care Act (ACA) of 2010 requires everyone to have health insurance, we advise you to compare UA’s student health plan underwritten by UHCSR vs. your parent’s health plan or another health plan’s coverage, co-pays, deductibles and premiums before you decide which plan to enroll in.

UA's health plan has a $0 deductible if students are seen at the Student Health Center (SHC) or adjacent University Medical Center (UMC) starting 8/01/2016.

  1. Domestic Undergraduate and Graduate Students
  2. International Undergraduate and Graduate Students


Other Insurance Forms and Information

NOTE: Only UA students enrolled in UA’s student health plan with United HealthCare Student Resources (UHCSR) in the summer of 2016, or who were enrolled with UHCSR in the spring of 2016 and then lose that coverage, are eligible to enroll for extended continuation coverage with UHCSR for an additional 1 to 6 months if additional health coverage premiums are paid.

In addition, UA students who are enrolled in the UHCSR injury and sickness insurance plan, DO NOT need a referral from the SHC for outside medical care under the following conditions:

  • When the outside medical care is for a medical emergency
  • When UA’s Student Health Center is closed
  • When the medical service is rendered at another facility during fall or spring break, during holidays or during UA vacation periods
  • When medical care is received by the student more than 50 miles away from UA’s campus, located in Tuscaloosa
  • When the student is no longer a UA student due to change in status (such as graduation)
  • Psychotherapy does not require a referral from UA’s Student Health Center.

However, if you do receive medical care from a medical provider outside the SHC or UMC without a referral for any other reason than those listed above then UnitedHealthcare Student Resources (UHCSR) can pay the outside medical provider at 60% of the out-of-network (OON) level.