Coverage Details
U of U Health Insurance offers a range of health insurance plans tailored to meet the diverse needs of its members. These plans provide comprehensive coverage for various medical expenses, including doctor visits, hospital stays, and prescription drugs.
Each plan comes with its own set of benefits, deductibles, co-pays, and out-of-pocket expenses. It’s essential to carefully review the plan details to determine the one that best aligns with your health needs and financial situation.
Network of Providers
U of U Health Insurance has an extensive network of providers, including primary care physicians, specialists, and hospitals. This network ensures that members have access to high-quality medical care from reputable healthcare professionals. The plans also offer coverage for out-of-network providers, albeit with higher costs.
Deductibles, Co-pays, and Out-of-Pocket Expenses
Deductibles are the amount you pay out-of-pocket before your insurance coverage kicks in. Co-pays are fixed amounts you pay for specific medical services, such as doctor visits or prescription drugs. Out-of-pocket expenses refer to the total amount you pay for covered medical expenses before reaching your plan’s maximum coverage limit.
It’s crucial to understand these costs to estimate your potential financial responsibility under different plans. By comparing the deductibles, co-pays, and out-of-pocket expenses, you can make an informed decision about the plan that provides the most suitable coverage and cost structure for your circumstances.
Eligibility and Enrollment
Eligibility Requirements
To be eligible for U of U Health Insurance plans, you must be:
- A currently enrolled student at the University of Utah
- Taking at least one credit hour
- Not covered by other health insurance
Enrollment Process
Enrollment for U of U Health Insurance plans is typically held during the fall semester. Students can enroll online through the University’s student portal. The deadline to enroll is usually in mid-September.
Making Changes to Coverage
Students can make changes to their coverage during open enrollment periods, which are typically held in the fall and spring semesters. To make changes, students should log in to the student portal and select the “Health Insurance” tab.
Benefits and Services
U of U Health Insurance plans provide a comprehensive range of benefits and services designed to meet your healthcare needs. These plans include preventive care, prescription drug coverage, mental health services, telehealth options, and wellness programs.
Our plans are designed to provide you with the coverage you need to stay healthy and productive. We offer a variety of plan options to fit your budget and needs.
Preventive Care
Preventive care is important for maintaining your health and preventing future health problems. U of U Health Insurance plans cover a wide range of preventive care services, including:
- Annual physical exams
- Well-child visits
- Immunizations
- Cancer screenings
- Tobacco cessation counseling
Prescription Drug Coverage
Prescription drug coverage is an important part of any health insurance plan. U of U Health Insurance plans offer prescription drug coverage through a variety of pharmacy networks. We offer a variety of plan options to fit your budget and needs.
Mental Health Services
Mental health is an important part of overall health. U of U Health Insurance plans offer a variety of mental health services, including:
- Individual therapy
- Group therapy
- Medication management
- Crisis intervention
Telehealth Options
Telehealth is a convenient way to receive healthcare services from the comfort of your own home. U of U Health Insurance plans offer a variety of telehealth options, including:
- Video visits
- Phone visits
- E-visits
Wellness Programs
Wellness programs can help you improve your health and well-being. U of U Health Insurance plans offer a variety of wellness programs, including:
- Health screenings
- Fitness classes
- Nutrition counseling
- Tobacco cessation programs
Costs and Premiums
The cost of your U of U Health Insurance premium will vary depending on several factors, including your age, tobacco use, and the type of plan you choose. The table below compares the monthly premiums for different U of U Health Insurance plans.
You can pay your premiums through payroll deduction or automatic bank transfer. If you choose to pay by payroll deduction, your premiums will be deducted from your paycheck before taxes are taken out. If you choose to pay by automatic bank transfer, your premiums will be automatically transferred from your bank account on the due date.
Monthly Premiums
| Plan | Monthly Premium |
|---|---|
| Student Health Insurance Plan (SHIP) | $125.00 |
| Employee Health Insurance Plan (EHIP) | $150.00 |
| Spouse/Partner Health Insurance Plan (SPHIP) | $200.00 |
| Child Health Insurance Plan (CHIP) | $50.00 per child |
Customer Service and Support
U of U Health Insurance is committed to providing excellent customer service and support. We offer multiple channels for you to reach us and assist you with any questions or concerns you may have about your health insurance coverage.
If you need assistance, you can contact us through the following channels:
Phone
- Customer Service: 1-800-555-1212
- Monday – Friday, 8:00 AM – 5:00 PM MST
- customerservice@uofuhp.org
Online Chat
- Available on our website during business hours
When filing a claim, you can submit it online through our secure member portal or by mail to the address provided on your insurance card. If you have any coverage issues, you can contact our customer service team to discuss your concerns and find a resolution.
Additional Resources
In addition to the information provided here, there are several additional resources available to help you understand and manage your U of U Health Insurance plan.
These resources include:
U of U Health Insurance Website
- U of U Health Insurance website: Provides comprehensive information about the plan, including coverage details, premiums, and customer service.
- FAQs: Answers to frequently asked questions about the plan.
- Enrollment forms: Forms needed to enroll in the plan.
Health Insurance Literacy Programs
Health insurance literacy programs can help you understand your health insurance plan and how to use it. These programs are offered by a variety of organizations, including:
- National Council on Aging: Health Insurance Literacy Program
- National Health Council: Health Insurance Literacy Project
- Kaiser Family Foundation: Health Insurance Literacy Programs
Support Groups
Support groups can provide you with emotional support and information from others who are going through similar experiences. These groups are often led by trained facilitators and can be a great way to learn more about your health insurance plan and how to use it.
To find a support group in your area, you can contact your local health insurance company or visit the website of the National Association of Health Underwriters: NAHU.
