Office of Student Health Benefits
http://www.shb.umn.edu
(612) 624-0627
myU OneStop


Office for Student Affairs > Student Health Benefits

Go to Student Health Benefits  home page.

Rochester Campus
2010-2011 Academic Health Center
Student Health Benefit Plan

Eligibility

All students registered for one or more credit in an Academic Health Center program are enrolled in the University-sponsored AHC Student Health Benefit Plan. All eligible Academic Health Center students must enroll in the University-sponsored AHC Student Health Benefit Plan prior to the start of each new term unless you are eligible for, and submit a waiver request.

Enrollment

All eligible students who wish to take advantage of the 2010-2011 SHBP must complete the enrollment process prior to the start of each new term.

Step 1. Online Enrollment
When registering for classes online, every student will see a screen that instructs them to enter health plan information. Students who wish to enroll in the SHBP should select the option “I wish to enroll in the University-sponsored Student Health Benefit Plan”. If eligible, the student will be enrolled in the plan and a charge will be added to their University account. All eligible Academic Health Center students must enroll in the University-sponsored AHC Student Health Benefit Plan prior to the start of each new term unless you are eligible for, and submit a Waiver Request Form and provide verifiable proof of private health plan coverage by the class registration deadline. AHC Student Health Benefit Plan enrollment deadlines coincide with the University of Minnesota, Twin Cities class registration deadlines set by the Office of the Registrar. Students may change their health plan choice up until the class registration deadline.

Step 2. Update One Stop
Make sure your U.S. Mail address is up-to-date. This is the address to which your plan card and information will be mailed. Go to One Stop and look under Quick Links > Student Records > then click on Personal Information.

Step 3. Enrolling Dependents
To enroll dependents on the plan, the primary member must submit a Enrollment Add/Change Form during fall before the enrollment deadline or within 31 days of when the student initially becomes eligible for the Plan. Eligible dependents include a spouse or same sex domestic partner and a child or children. Dependent enrollment is contingent upon the Office of Student Health Benefits verification of primary member enrollment. In order to enroll a same sex domestic partner, the primary member must also submit a Declaration of Domestic Partnership Form.

Plan Details

2010-2011 AHC SHBP Enrollment Brochure with Quick Reference Chart (PDF)
2010-2011 Full Benefits Summary (PDF)

Health plan network and claims administration services for the Student Health Benefit Plan are provided by Blue Cross and Blue Shield of MN, giving you access to thousands of providers and hospitals in their worldwide network.

The cost of the AHC Student Health Benefit Plan for the 2010-2011 academic year averages $214.00 per month. Plan members will see a charge of $1,284.00 on their University bill once at the beginning of fall semester and once at the beginning of spring semester. The coverage period for fall semester is August 26, 2010 to January 17, 2011, and the coverage period for spring semester is January 18 to August 24, 2011.

Before using your AHC Student Health Benefit Plan coverage, please familiarize yourself with the Full Benefits Summary.

Health Plan Card

Member ID cards will be sent to the plan member by U.S. mail approximately three weeks after enrollment. Cards will be mailed to the “current U.S. mail address” on record with the University. To update your address, go to: One Stop > Quick Links > Student Records > Personal Information.

If you recently updated your address in One Stop and think your card may have been sent to your old address, please email your name, student ID number, and “I have updated my U.S. Mail address in One Stop and would like a new card sent to me.” to umshbo@umn.edu. The Office of Student Health Benefits must receive confirmation from you that your U.S. Mail address is correct in One Stop before a new card can be issued. Before using your Student Health Benefit Plan coverage, please familiarize yourself with the information found under Plan Details.

Waiving the Plan

Students may not waive Guardian Long Term Disability Insurance.

You can request to have the University-sponsored AHC Student Health Benefit Plan waived for two years if you are enrolled in one of the following group:

- a United States-based employer-sponsored group health plan;
- the University-sponsored Graduate Assistant Health Plan; or
- Minnesota Care

To request a two year waiver, submit the following documentation by fax, mail, or in person to the Office of Student Health Benefits:

  1. Waiver Request Form

  2. Certificate of credible coverage, also called a letter of active coverage, from your insurance company. You must prove you have other coverage by producing a certificate of credible coverage obtained from your managed care organization, insurance company, or a letter to verify your enrollment from your current insurance company.

The Office of Student Health Benefits will contact you with the decision on your waiver request within two weeks of receiving all required documents. The deadline to request waiver from the plan coincides with the University of Minnesota Twin Cities Campus class drop/add deadline each term. The spring 2011 deadline to request waiver from the plan is February 16, 2011

Should you lose coverage during the period for which you have been waived, you may enroll in the AHC SHBP within 60 days of losing coverage by providing proof of involuntary loss of coverage from your insurance company.

Note: Academic Health Center students are not able to update health plan information through the University's web registration system

Summer Coverage

Students enrolled in the University-sponsored AHC Student Health Benefit Plan during spring semester will be automatically covered on the Plan through the summer semester at no additional charge (even if you are graduating at the end of spring semester). These students should choose "Purchase University insurance" when registering for summer classes (because you were enrolled in the AHC-SHBP Spring semester, no charge will be placed on your account).

Health Plan Coverage After Graduation:
University of Minnesota Continuation Options

Many parent plans drop dependent coverage for students after graduation. The University of Minnesota has partnered with Blue Cross and Blue Shield to offer a guaranteed coverage option for an unlimited time period between graduation and the time you become eligible for an employer-sponsored health plan. It’s called the University of Minnesota Continuation Options.

Continuation Options is not the same as the Student Health Benefit Plan. You’ll have your choice of five Blue Cross and Blue Shield individual plan options for guaranteed coverage without having to prove insurability. Costs are based on the deductible and network you choose.

To be eligible for Continuation Options after you graduate, you must be enrolled in the University-sponsored Student Health Benefit Plan (SHBP) for the previous 6 months. If you are currently covered by a different health insurance plan, consider switching to the SHBP prior to your last semester. This can only be done at the beginning of fall semester during open enrollment, or within 60 days of an involuntary loss of coverage. Students who remain on a parent’s plan or other insurance plan will not be able to take advantage of Continuation Options after graduation.

Continuation Options enrollment will open near the end of your SHBP coverage. The Office of Student Health Benefits will send a reminder email to all eligible students each spring. Students must enroll within 60 days of termination of SHBP coverage. Continuation Options coverage will be effective retro-active to the last day of SHBP coverage. A student may stay on their chosen Continuation Options plan indefinitely and can cancel any month.

Students Terminating SHBP Coverage January 17, 2011: To enroll in the University of Minnesota Continuation Options, enrollment forms must be received by Blue Cross and Blue Shield of Minnesota on or before March 18, 2011. Coverage will be effective retro-active to January 18, 2011.

University of Minnesota Continuation Options Details (PDF)
University of Minnesota Continuation Options Enrollment/Change Form (PDF)
Automatic Payment Authorization Form (PDF)
Network Provider Directory (PDF)

For more information about Continuation Options, please contact Blue Cross and Blue Shield customer service at (651) 662-5030 or toll free at 1-800-531-6685 and identify yourself as a University of Minnesota student. If after speaking with Blue Cross and Blue Shield you have specific Continuation Options enrollment questions, please contact Tom Seifert at (612) 373-9878.

Emergency Travel Assistance Program

Plan members and their dependents traveling 100 or more miles away from home and outside of their home country, have emergency medical, travel, and personal security assistance 24 hours a day, anywhere in the world, through MEDEX, a leading provider of international travel assistance services. From finding an English-speaking doctor to replacing a prescription, MEDEX has the resources and experience to offer rapid coordination and monitoring of medical care while students are abroad.

Medical Services Available
- 24-hour worldwide medical referrals
- Medical evacuations and repatriation of mortal remains
- Verification of insurance coverage to facilitate hospital admission

Personal and Travel Services Available
- Assistance with lost or stolen travel documents (i.e. passport)
- Emergency language interpretation services
- Emergency cash advance

MEDEX Information Sheet (PDF)
MEDEX Member Website
MEDEX ID Card (267K, PDF)
MEDEX Assistance 1-800-527-0218


Guardian Long Term Disability Insurance
for Eligible AHC Students

9/17/09 Update: A Guardian Long Term Disability Insurance website outlining the details of the Academic Health Center Long Term Disability Plan has been launched. Visit http://www.guardiandisabilitymn.com for plan details.

As of September 1, 2009, the Academic Health Center, the Office of Student Health Benefits, and Guardian Life Insurance Company are partnering to provide Long Term Disability (LTD) insurance coverage for eligible Academic Health Center students on the Twin Cities, Duluth, and Rochester campuses

This coverage is not optional for students in qualifying programs.

Academic Health Center students, enrolled in a qualifying AHC program, will be automatically covered under a group Long Term Disability plan while a student.  You will see a charge of $39.78—an average cost of $6.63 per month—for this coverage on your student account once at the beginning of each fall and spring semester. Payment of this fee for two consecutive semesters provides year around coverage until graduation from your program.

AHC students invest considerable time and money into their chosen profession. During a critical time in a student’s life, while attending the University of Minnesota, the rare occurrence of a disability could prove to be an extreme financial problem.

How does Long Term Disability insurance work for students? If, for example, a student develops a condition preventing the student from continuing their education, Long Term Disability insurance will offset the future income lost due to the student’s inability to practice in their chosen field up to the age they are eligible for Social Security benefits..

More importantly, upon graduation students will have the opportunity to convert to an individual Long Term Disability plan, or to a group trust contract. This means you can obtain individual coverage that you own and take with you—with absolutely no medical underwriting. This opportunity is significant, as Long Term Disability insurance can be difficult to obtain. An estimated 30 percent of graduates applying for disability coverage will be rejected or be offered limited benefits due to a pre-existing condition. This program eliminates that possibility.

Guardian Long Term Disability Insurance FAQ


Student Notices

04/05/11 Email: Summer Coverage and Graduation
02/16/11 Email: AHC SHBP Welcome

01/03/11 Email: AHC SHBP Waiver Expire

09/16/10 Email: AHC SHBP Welcome
06/10/2010 Email: Disability Benefit Enrollment

Contact Us

Eligibility Questions
Office of Student Health Benefits
University of Minnesota
410 Church Street S.E., N323
Minneapolis, MN 55455
Phone: (612) 624-0627 or 1-800-232-9017
Fax: (612) 626-5183 or 1-800-624-9881
Email: umshbo@umn.edu

Coverage Questions
Blue Cross and Blue Shield
Phone: (651) 662-5004 or 1-866-870-0348
http://www.bluecrossmn.com/uofm

Dental Reimbursement Questions
Office of Student Health Benefits
612-624-0627 or 1-800-624-9881
umshbo@umn.edu

Emergency Travel Assistance Questions
FrontierMEDEX
Phone: 1-800-527-0218
Email: info@medexassist.com
FrontierMEDEX Member Website

Guardian Long Term Disability Insurance Questions
Foster Klima & Company, LLC.
Phone: (612) 746-2206
http://www.guardiandisabilitymn.com

Coverage Dates

Academic Year 2010-2011
Term
Dates
Fall
8/26/2010 - 1/17/2011
Spring
1/18/2011 - 8/24/2011
Summer
5/23/2011 - 8/24/2011

Cost of Coverage

Academic Year 2010-2011
Coverage for
Cost
Student
$1,284/semester
Spouse/SSDP*
$1,704/semester
One child
$1,266/semester
Two or more children
$1,668/semester

Summer 2011
Coverage for
Cost
Student
Coming soon
Spouse/SSDP*
Coming soon
One child
Coming soon
Two or more children
Coming soon

* spouse or same-sex domestic partner


Additional Forms

Student Info Release Authorization Form (PDF)