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Insurance Plans

Elite

$110.70/30 Days

  • The most popular plan featuring a coinsurance of 90%, a low deductible and preventative care services.

Prime

$94.20/30 Days

  • Affordable premium, a low deductible, a coinsurance of 80%, and preventative care services.

Preferred

$66.90/30 Days

  • Stay fully covered for illnesses and pay low premiums and deductibles.

Basic

$48.90/30 Days$100 deductibleor$43.80/30 Days$500 deductible

  • Best for students looking for an affordable premium and adequate protection against illnesses.

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Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit No Overall Maximum Dollar Limit $500,000 $500,000

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$50 Per Policy Year $100 Per Policy Year $50 Per Policy Year Option of $100 or $500 Per Policy Year

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
90% except as noted 80% except as noted 80% except as noted 80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$5000 Per Policy Year $6350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period
12 months

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance 100% of Perferred Allowance No Benefits No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
$15 Copay - Tier 1
$30 Copay - Tier 2
$50 Copay - Tier 3
$15 Copay - Tier 1
20% Coinsurance - Tier 2
30% Coinsurance - Tier 3
$20 Copay - Tier 1
30% Coinsurance - Tier 2
40% Coinsurance - Tier 3
No Benifits for UHCP
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Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$50 Per Policy Year

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
90% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$5000 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$100 Per Policy Year

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$6350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
$500,000

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$50 Per Policy Year

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
$500,000

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
Option of $100 or $500 Per Policy Year

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period
12 months

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
12 months
Enroll Now

Deductible
The amount you pay for covered health care services before your insurance plan starts to pay. Deductibles may not apply to all services.

Copayment (or co-pay)
You’ll usually pay a fixed amount of money for each covered doctor visit or prescription.

Coinsurance
The percentage of costs of a covered health care service the insurance company pays after you’ve paid your deductible.

Out-of-pocket Maximum
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn’t include your monthly premiums. It also doesn’t include anything you spend for services your plan doesn’t cover.

Things to consider

Does the plan meet your school requirements?

To successfully waive your university health plan, the plan you purchased must meet the minimum insurance requirements of your school. Review the insurance requirements on the university website.

Does it cover a specific treatment/medication you need?

Consider your unique medical needs when you’re choosing plans. If you have a specific medical question, please consult your doctor or our customer service.

Does it cover prescription drugs?

Preferred, Prime, and Elite offer coverage for prescription drugs.

Do you need to get vaccines?

Prime and Elite plans cover 100% for preventative vaccines, such as MMR and flu shots. For more information, visit Get a Vaccine.

Does it cover pre-existing conditions?

Pre-existing conditions are the healthcare problems you had before your coverage started. Preferred, Prime, and Elite plans do not have limits on pre-existing conditions. Only the Basic plan has a 12-month waiting period.

Need help? Talk to us.

Kindness and patience are at the core of our customer support team. Our representatives will help you with any issues related with using your health insurance, doctor visits, downloading insurance IDs, and filing claims.

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