All registered full-time students taking 1 or more credits are required to have health insurance coverage, either through the Student Health Insurance Plan or through another individual or family plan. Students are automatically enrolled in the Student Health Insurance Plan at registration and the cost for the Plan is added to the student’s tuition fees unless proof of comparable coverage is provided by completing the waiver.
Dependents are not eligible.
To be eligible for a waiver of enrollment in the USML Student Health Insurance Plan, USML 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 09/10/2023
| Coverage Type | Annual 8/10/23 – 8/9/24 |
Term 1 8/10/23 – 2/10/24 |
Term 2 2/11/24 – 8/9/24 |
Spring/Summer 1/1/24 – 8/9/24 |
|---|---|---|---|---|
| Student | $2,192 | $1,096 | $1,096 | $1,329 |
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 Group #ST1527SH |
|
|---|---|---|
| In-Network | Out-of-Network | |
| Contract-Year Deductible Individual |
$250 | $750 |
| Out-of-Pocket Limit Individual |
$8,700 | No Maximum |
| Medical Coverage | You pay: | |
| Preventive Care | Covered in full | 40% after deductible |
| Telemedicine | $25 copay | 40% after deductible |
| Primary Care | $25 copay | 40% after deductible |
| Specialist | $25 copay | 40% after deductible |
| Mental Health Office Visit | $25 copay | 40% after deductible |
| Chiropractic (30 visits/year) | 20% after deductible | 40% after deductible |
| Urgent Care | 20% after deductible | 40% after deductible |
| Emergency Room | 20% after deductible | |
| Prescription Drugs (30-day supply) | ||
| Generic | $20 copay | 40% after deductible |
| Preferred Brand | $40 copay | 40% after deductible |
| Non-Preferred Brand | $60 copay | 40% after deductible |
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 and eligible dependents 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 pediatric 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 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 USML 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, 8/10/2023 – 8/9/2024) 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 USML 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 University of St. Mary of the Lake 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 #: ST1527SH
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
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.
