Student Health Insurance
Roseman University of Health Sciences’ students are required to obtain adequate health insurance coverage while they are enrolled in their program, except students in the following categories:
COLLEGE OF NURSING PROGRAM
- Students enrolled in the College of Nursing who have successfully completed their clinical component of the program, who only need to satisfy didactic (i.e., on-line and/or classroom instruction only) requirements to graduate.
COLLEGE OF PHARMACY PROGRAM
- Students enrolled in the College of Pharmacy who only need to satisfy didactic (i.e., classroom instruction only) requirements to progress to the next academic year or to graduate.
COLLEGE OF DENTAL MEDICINE PROGRAM
- Students enrolled in the College of Dental Medicine who only need to satisfy didactic (i.e., classroom instruction only) requirements to progress to the next academic year or to graduate.
COLLEGE OF GRADUATE STUDIES
- Students who are only enrolled in College of Graduate Studies programs and who are not enrolled in any other Roseman University program.
Any student that does not fall into one of the categories listed above must have continuous adequate health insurance coverage that meets Roseman’s minimum health insurance requirements from the date of enrollment through graduation, regardless of whether the student’s academic schedules include classroom instruction or participation in clinical rotations.
Students who are required to have health insurance coverage must meet the minimum program requirements of the student health insurance plan selected by the University. The minimum requirements can be found below in the Waiving section. Additional information on the process to request to use a student’s personal insurance coverage rather than purchasing the student health insurance plan selected by the University (i.e., waiver) can also be found in that section. Waivers are required every year regardless if one is already on file from the previous year. Students who do not meet the required deadlines, will be billed and responsible for the full cost of the health insurance premium. The University does not provide student health insurance coverage. Rather, the university works with a third-party broker.
Student Health Insurance Disclaimer
It is a student’s responsibility to comply with the Roseman University student health insurance policies and to know the beginning and end dates of her/his health insurance coverage. If your health insurance policy has expired and you are not required to maintain health insurance while you are enrolled in the University, Roseman recommends that you obtain health insurance coverage that meets your needs.
Students needing a Form 1095C for tax purposes must send their request to our broker at 1-800-537-1777 or educlientservices@ahpcare.com.
Cancelling the Student Health Insurance Plan
Students are free to cancel the Student Health Insurance Plan (SHIP) at any time. However, unless you meet the criteria listed above, you are required to have coverage while you are attending Roseman and be continuously enrolled in a plan that meets the minimum requirements, which can be found below in the Waiving section. Before we can cancel the SHIP you will have to submit proof of adequate coverage to UnitedHealthcare so they can verify your policy is in compliance. If you have been enrolled in the plan for more than 31 days, or if claims have been paid by United HealthCare, you may still cancel the plan but no refund can be issued.
Student Health Insurance Information
Period of Coverage: August 1, 2024 – July 31, 2025
The Student Health Insurance Plan (SHIP) is an option for students who have no other insurance and choose not to enroll in another plan that meets the minimum insurance requirements. Students are strongly encouraged to purchase health insurance to meet their needs; however, the insurance must meet the minimum insurance requirements:
- Coverage must be continuous (no break or termination) for the entire academic year
- Coverage must be ACA (Affordable Care Act) compliant
- Maximum benefit must be unlimited
- Deductible must be $6,850 or less per person, per policy year
Note: This Student Health Insurance Plan is medical insurance only-no vision or dental are included.
Plan Summary for 2024-2025
Sponsored by: UnitedHealthcare Student Resources
Plan: UHC Choice Plus (this is a PPO network)
Insurance Broker: Alliant Insurance Services, Student Health
Additional benefits of the UHC Choice Plus plan:
Telehealth Behavioral
HealthiestYou can provide the professional counseling you need to relieve whatever challenges you may be facing. Psychiatrists, psychologists and licensed therapists are available to you via phone and video at no cost to you. With this convenient and confidential service, included with your insurance plan, you’ll be given the opportunity to choose a counselor that best fits your needs.
While HealthiestYou isn’t a crisis solution, it’s great for ongoing help with things like anxiety, eating disorders, depression and other mental health issues that can be overwhelming. Don’t wait – get help and get happy!
HealthiestYou perks:
- Psychiatrists, psychologists and licensed therapists available anytime, anywhere
- Free of charge
- Convenient access through the HealthiestYou app
- Save money and time
- Find additional information in your My Account.
This benefit is included in this plan. Separate enrollment is not required.
Telehealth Medical
Doctors are making house calls again! Included with your student insurance plan, and provided by HealthiestYou, is 24/7/365 access to board-certified physicians online or on the phone (where permitted). Totally worth it for minor stuff (like allergies, pink eye and earaches), the doctors on Telehealth can even send a prescription to your preferred pharmacy. The future is here!
Telehealth can be a win/win:
- Talk to a licensed physician 24 hours a day, 7 days a week.
- Pay no consultation fee.
- Save money and time.
- Toll free # is on your SR ID card or in My Account.
This benefit is included in this plan. Separate enrollment is not required.
Find a Provider
It is best to locate a UHC Choice Plus doctor, urgent care center, and emergency room near you before you get sick. To find a PPO provider, call (800) 767-0700 or visit the UnitedHealthcare website www.uhcsr.com.
- Click on “FIND PROVIDERS” and select “Medical,” “Behavioral” or “Dental.”
- You can change your zip code, and search by name, specialty, facility, medical group or category.
- Click “Search.”
- Select a doctor from the list, and call to make an appointment.
Always check with the doctor or medical facility directly to confirm that they accept UnitedHealthcare before you receive treatment.
For enrollment, benefits, or claims questions, contact UnitedHealthcare: 1-800-767-0700 or customerservice@uhcsr.com
For general insurance questions: insurance@roseman.edu
ID Cards
Temporary insurance ID cards are available within two weeks after your classes begin. To access your temporary ID card (and or request a permanent one), create a UHC online account.
- Type in your First Name, Last Name, and Date of Birth.
- Type in your student ID number without the four zeros at the beginning.
- If you successfully enter this information, continue to answer questions on next screens
- If you receive an error, please contact UnitedHealthcare Customer Service: 1-800-767-0700 or customerservice@uhcsr.com
- Once you successfully create your account, login and click on the left navigation to “Access/Print My ID Card”
- Print your temporary card for immediate use.
If you would like a permanent card, you can request for one to be mailed to you; however, note the address we have on file for you. If this has changed, please complete a Contact Update Form and submit it to the Registrar’s Office (submission options are on the form) so that your address can be updated with the University. Note on your request that you would like your address also updated with UnitedHealthcare.
Notes on Coverage of a Flu Shot
Flu shots are covered by SHIP; however, do note how pharmacies code the billing of the flu shot may vary, sometimes they are coded as prescription benefits and sometimes as medical benefits for processing. If you are told that your student insurance does not cover the flu shot by a particular location, please call the customer service line on the back of your student insurance card so that UHCSR can assist that pharmacy with proper verification/billing. Also be sure you are utilizing an in-network pharmacy.
Roseman Insurance Year: August 1 – July 31
Sponsored by: UnitedHealthcare Student Resources
Plan: UHC Choice Plus (PPO)
Insurance Broker: Alliant Insurance Services, Student Health
Each academic year, students will automatically be enrolled in the school’s plan if they DO NOT submit an eligible waiver.
- You will receive an email from UnitedHealthcare (UHC) with a link to create your online account with them.
- Once you create your online account and log in, you will be given the option to either enroll in the plan or waive. Please note: If no action is taken to enroll or waive you will automatically be enrolled in the plan.
- You can access your ID card (see plan details above) about a week or two after the start of classes.
- If you experience any problems waiving the Student Health Insurance Plan, please email insurance@roseman.edu (include your first and last name and your program/class).
Enrolling Spouse/Dependents
Students who are enrolled in the UHC plan through Roseman AND wish to add an eligible spouse or dependent, must enroll them through their UnitedHealthcare My Account on or after their coverage begins. You can visit the UHC webpage here.
2024-2025 DEPENDENT COSTS
Questions: UnitedHealthcare Customer Service: 1-800-767-0700 or customerservice@uhcsr.com
Enrolling in the Roseman SHIP After Losing Access to Another Health Plan
Students who experience an involuntary loss of previous coverage (e.g., divorce, change or loss of job, turn 26 years old, no longer eligible for Medicaid, etc.) may be eligible to enroll in the Roseman Student Health Insurance Plan if they provide the appropriate documentation, such as a Loss of Coverage letter. If you know you will be losing access to your current health plan and you would like to see if you are eligible to enroll in the Roseman plan, please email insurance@roseman.edu.
You will receive a bill from the Bursar’s Office when you have been added to the plan. Questions regarding payment for the plan should be directed to the Bursar’s Office: bursar@roseman.edu
Continuation of Coverage after Graduation
Students who are interested in remaining enrolled in the Roseman SHIP immediately after graduation should contact: UnitedHealthcare Customer Service: 1-800-767-0700 or customerservice@uhcsr.com
Contacts
- Enrollment, benefits or claims questions: United HealthCare Customer Service: 1-800-767-0700 or customerservice@uhcsr.com
- General Questions: insurance@roseman.edu
Students must submit their waiver via the online portal by the deadlines provided below AND be approved in order to not be charged the premium. No extensions will be approved.
2024-2025 Minimum Insurance Requirements
- Coverage must be continuous (no break or termination) for the entire academic year
- Coverage must be ACA (Affordable Care Act) compliant
- Maximum benefit must be unlimited
- Deductible must be $6,850 or less per person, per policy year
The waiver portal is typically opened for currently enrolled students in early June and two months before the start of classes for incoming students. The portal will only be accessible during your cohort’s designated waiver period. To access the waiver portal please click here.
** Students must submit a health insurance waiver each year by the stated deadline, regardless if an approved waiver is on file from the previous academic year
To determine if your plan is comparable you can contact United HealthCare Customer Service at 1-800-767-0700 or customerservice@uhcsr.com.
Medicaid
Students applying for Nevada or Utah state Medicaid should know that it can take approximately 1-3 months for a decision to be made regarding eligibility (if you are starting an initial application). That said, any student interested in this option should plan accordingly, as your adjudication will need to be completed by the student insurance waiver deadline you have been given, so any out-standing adjudication from Medicaid after that date will not be approved for the student health insurance waiver. If no insurance is in place by that date, you will be auto-enrolled in the student health insurance plan, and you will be responsible for the annual premium (this cost will be reflected on your student statement).
HealthCare.gov
The HealthCare.gov marketplace now offers a one-stop shop for Americans in need of purchasing health insurance to meet the federal mandate that every person either purchase insurance coverage, qualify due to employment (either being the insured or being a spouse/dependent of the insured), or be exempt.
Period of Coverage: August 1, 2023 – July 31, 2024
The Student Health Insurance Plan (SHIP) is an option for students who have no other insurance and choose not to enroll in another plan that meets the minimum insurance requirements. Students are strongly encouraged to purchase health insurance to meet their needs; however, the insurance must meet the minimum insurance requirements:
- Coverage must be continuous (no break or termination) for the entire academic year
- Coverage must be ACA (Affordable Care Act) compliant
- Maximum benefit must be unlimited
- Deductible must be $6,850 or less per person, per policy year
Note: This Student Health Insurance Plan is medical insurance only-no vision or dental are included.
Plan Details 2023-2024
Sponsored by: United Healthcare Student Resources
Plan: UHC Choice Plus (this is a PPO network)
Insurance Broker: Academic HealthPlans
Find a Provider
It is best to locate a UHC Choice Plus doctor, urgent care center, and emergency room near you before you get sick. To find a PPO provider, call (800) 767-0700 or visit the UnitedHealthcare website www.uhcsr.com.
- Click on “FIND PROVIDERS” and select “Medical,” “Behavioral” or “Dental.”
- You can change your zip code, and search by name, specialty, facility, medical group or category.
- Click “Search.”
- Select a doctor from the list, and call to make an appointment.
Always check with the doctor or medical facility directly to confirm that they accept UnitedHealthcare before you receive treatment.
For enrollment questions, contact Academic HealthPlans (formerly Relation Customer Service): 1-800-537-1777 or email: educlientservices@ahpcare.com
For general insurance questions: insurance@roseman.edu
ID Cards
Temporary insurance ID cards are available within two weeks after your classes begin. To access your temporary ID card (and or request a permanent one), create a UHC online account (link).
- Type in your First Name, Last Name, and Date of Birth.
- Type in your student ID number without the four zeros at the beginning.
- If you successfully enter this information, continue to answer questions on next screens
- If you receive an error, please call Academic HealthPlans Customer Service at: 1-800-537-1777
- Once you successfully create your account, login and click on the left navigation to “Access/Print My ID Card”
- Print your temporary card for immediate use.
If you would like a permanent card, you can request for one to be mailed to you; however, note the address we have on file for you. If this has changed, please complete a Contact Update Form and submit it to the Registrar’s Office (submission options are on the form) so that your address can be updated with the University. Note on your request that you would like your address also updated with the Insurance Broker.
Notes on Coverage of a Flu Shot
Flu shots are covered by SHIP; however, do note how pharmacies code the billing of the flu shot may vary, sometimes they are coded as prescription benefits and sometimes as medical benefits for processing. If you are told that your student insurance does not cover the flu shot by a particular location, please call the customer service line on the back of your student insurance card so that UHCSR can assist that pharmacy with proper verification/billing. Also be sure you are utilizing an in-network pharmacy.
Roseman Insurance Year: August 1 – July 31
Sponsored by: United Healthcare Student Resources
Plan: UHC Choice Plus (PPO)
Insurance Broker: Academic HealthPlans
Each academic year, students will automatically be enrolled in the school’s plan if they DO NOT submit an eligible waiver.
- You will receive an email from Academic HealthPlans (AHP) with a link to create your online account with them.
- Once you create your online account and log in, you will be given the option to either enroll in the plan or waive. Please note: If no action is taken to enroll or waive you will automatically be enrolled in the plan.
- You can access your ID card (see plan details above) about a week or two after the start of classes.
- If you experience any problems waiving the Student Health Insurance Plan, please email insurance@roseman.edu (include your first and last name and your program/class).
Enrolling Spouse/Dependents
Students who are enrolled in the plan through Roseman AND wish to add an eligible spouse or dependent must enroll them through their Academic HealthPlans account. You can visit their webpage here.
2023-2024 DEPENDENT COSTS
Questions: Academic HealthPlans Customer Service: 1-800-537-1777 or educlientservices@ahpcare.com.
Enrolling in the Roseman SHIP After Losing Access to Another Health Plan
Students who experience an involuntary loss of previous coverage (e.g., divorce, change or loss of job, turn 26 years old, no longer eligible for Medicaid, etc.) may be eligible to enroll in the Roseman Student Health Insurance Plan if they provide the appropriate documentation to Roseman’s SHIP broker, Academic HealthPlans. If you lost access to another health plan and you would like to see if you are eligible to enroll in the Roseman plan, please contact: Academic HealthPlans Customer Service: 1-800-537-1777 or educlientservices@ahpcare.com.
You will receive a bill from the Bursar’s Office when you have been added to the plan. Questions regarding payment for the plan should be directed to the Bursar’s Office: bursar@roseman.edu
Continuation of Coverage after Graduation
Students who are interested in remaining enrolled in the Roseman SHIP immediately after graduation should contact: Academic HealthPlans Customer Service: 1-800-537-1777 or educlientservices@ahpcare.com.
Contacts
- Benefits or claims questions: United HealthCare Customer Service: 1-800-767-0700 or customerservice@uhcsr.com
- Enrolling questions: Academic HealthPlans Customer Service:
1-800-537-1777 or educlientservices@ahpcare.com - General Questions: insurance@roseman.edu
Students must submit their waiver via the online portal by the deadlines provided below AND be approved in order to not be charged the premium. No extensions will be approved.
2023-2024 Minimum Insurance Requirements
- Coverage must be continuous (no break or termination) for the entire academic year
- Coverage must be ACA (Affordable Care Act) compliant
- Maximum benefit must be unlimited
- Deductible must be $6,850 or less per person, per policy year
Click here to access the Waiver Portal
The waiver portal is typically opened for currently enrolled students in early May and 2 months before the start of classes for incoming students. The portal will only be accessible during your cohort’s designated waiver period.
** Students must submit a health insurance waiver each year by the stated deadline, regardless if an approved waiver is on file from the previous academic year
Deadline Dates and Rates
To determine if your plan is comparable you can contact our broker Academic HealthPlans at 1-800-537-1777 or educlientservices@ahpcare.com.
For more information on the SHIP waiver, please check out Academic HealthPlan’s Student User Guide here.