All full-time status residential students (students living in Moody-owned housing) on the Chicago campus and all Bachelor of Science in Missionary Aviation Technology (BSMAT) students enrolled in and attending on-campus courses are required to be covered by Moody’s Student Health Insurance Plan or an approved alternate plan for the entire time that they are enrolled as a student, including breaks between semesters. All required students will be automatically enrolled in Moody’s Student Health Insurance Plan and charged the premium unless a waiver is received each year.
International students (F-1 Visa) on all campuses (living on-campus and off-campus) are required to be covered by Moody’s Student Health Insurance Plan. International students will be automatically enrolled in Moody Student Health Insurance Plan and charged the premium and they do not have the option to waive.
Commuter students are eligible to participate in Moody’s Student Health Insurance Plan on a voluntary basis provided that one or more of the following conditions apply: Full-time status; students completing their student teaching requirements; or graduating seniors in their final semester.
Online-only students are not eligible.
Dependent coverage is only available for international students with J-1 status.
To be eligible for a waiver of enrollment in the Moody Bible Institute Student Health Insurance Plan, Moody requires that students provide evidence of other comparable health coverage. To determine if your insurance meets the requirements, students must complete the waiver found at www.wellfleetstudent.com.
Click Here to waive Student Health Insurance. The deadline to waive Annual coverage is 8/25/2024. The deadline to waive Spring/Summer for new students is 1/31/2024.
| Coverage Type | Annual 8/11/23 – 8/10/24 |
Fall 8/11/23 – 12/31/23 |
Spring/Summer (new students only) 1/1/24 – 8/10/24 |
|---|---|---|---|
| Student | $2,355 | $920 | $1,435 |
| Coverage Type | Annual 8/11/23 – 8/10/24 |
Fall 8/11/23 – 12/31/23 |
Spring/Summer (new students only) 1/1/24 – 8/10/24 |
|---|---|---|---|
| Student | $2,355 | $920 | $1,435 |
| Spouse | $2,355 | $920 | $1,435 |
| Child | $2,355 | $920 | $1,435 |
| 3 + Children | $7,065 | $2,760 | $4,305 |
If you have lost your health insurance coverage, you may be eligible to join the student health insurance plan under a Qualifying Life Event. Please contact malinda.townsend@usi.com for additional information.
| Plan Features | Cigna PPO Group #ST1514SH |
|
|---|---|---|
| In-Network | Out-of-Network | |
| Contract-Year Deductible Per Individual |
$150 | |
| Out-of-Pocket Limit Individual/Family | $6,600 / $13,200 | |
| Medical Coverage | You pay: | |
| Preventive Care | Covered in full | 40% after deductible |
| Telemedicine | 20% after deductible | 40% after deductible |
| Primary Care | 20% after deductible | 40% after deductible |
| Specialist | 20% after deductible | 40% after deductible |
| Mental Health Office Visit | 20% after deductible | 40% after deductible |
| Chiropractic (30 visits/year) | 20% after deductible | 40% after deductible |
| Urgent Care | 20% after deductible | 40% after deductible |
| Emergency Room (copay waived if admitted) | $250 copay, then 20% after deductible | |
| Prescription Drugs (30-day supply) | ||
| Generic | $20 copay | $20 copay |
| Preferred Brand | $40 copay | $40 copay |
| Non-Preferred Brand | $60 copay | $60 copay |
Annual checkups help you stay healthy. Take care of yourself by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.
Call your doctor and dentist to schedule your FREE annual checkup today! Need to find a doctor? Go to www.mycigna.com
Students age 18 and under have access to dental and vision benefits up to the last day of the month in which you turn 19.
You have access to the following dental coverage each benefit year in which you are eligible:
You have access to the following vision coverage each benefit year in which you are eligible:
Included in the Wellfleet medical coverage is a $10,000 AD&D benefit in the event of death or dismemberment.
Locate a healthcare provider or facility in your plan’s network. Click Here to find a provider.
Click Here to access your insurance ID Card.
Students who enroll and maintain medical coverage in this insurance plan have access to 24 Hour Nurseline. Calls are answered 24/7/365 by a registered nurse to answer health questions and assist in determining the appropriate level of care for an injury or sickness. Call 800-634-7629.
CareConnect offers students access to licensed behavioral health clinicians 24/7/365 at 888-857-5462.
Wellfleet Student provides access to emergency medical and travel assistance, reparation, and other travel assistance services when traveling. For general inquiries regarding the travel access assistance services coverage, call Wellfleet Student at 877-657-5030.
If you are traveling and need assistance, call 877-305-1966 (U.S./Canada) or 715-295-9311 (outside U.S./Canada). When you call, please provide your name, school name, the group number shown on your ID card, and a description of your situation.
Is the student health insurance comprehensive i.e., includes hospitalization if needed?
Yes, the plan offered is ACA compliant and covers all Essential Health Benefits. It is rated as a Platinum level plan for those familiar with metal levels for ACA plans.
Does the student health insurance include dental coverage?
The Moody Bible Institute Student Health Insurance Plan offers pediatric dental benefits. Please refer to the Wellfleet Certificate for additional information on this coverage.
What is the coverage period?
The plan runs for 12 months (the full academic year, 8/11/2023 – 8/10/2024) if you meet the eligibility requirements.
Does the student health insurance cover student medical expenses off campus or when traveling (e.g., to home state)?
Yes, the Moody Bible Institute Student Health Insurance Plan uses the Cigna PPO network which is recognized nationally. As always, please confirm with the provider that they are in-network before services are rendered.
What happens if I lose my own or my parent’s coverage mid-semester? Can I join the Moody Bible Institute Student Health Insurance Plan?
You may be eligible to join the plan mid-semester if you experience a Qualifying Life Event (QLE,) such as loss of coverage. Please contact Malinda Townsend at Malinda.Townsend@usi.com for more information should you experience a QLE.
Group #: ST1514SH
Phone: 877-657-5030, TTY 711
Email: customerservice@studentinsurance.com
Eligibility & Waivers, Enrollment, Benefits, Claim Status, and ID Card
Phone: 877-640-7940
Website: wellfleetstudent.com
Find a Drug: wellfleetrx.com/students/formularies
studenthealthinsurance@moody.edu
312-329-2046
820 N. LaSalle Blvd.
Chicago, IL 60610
Phone: 877-305-1966 (inside U.S./Canada) or 715-295-9311 (outside U.S./Canada)
Phone: 610-537-1452
Email: malinda.townsend@usi.com
This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The company reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.
