Haris Ashley
Embry-Riddle Aeronautical University offers tuition insurance through GradGuard, which provides reimbursement for students who cannot complete an academic term due to unforeseen circumstances, accidents, or injuries. The university also requires that all students have medical insurance and automatically enrols them in a health insurance plan provided by United Healthcare Student Resources. However, students with comparable coverage under a third-party plan can opt out of the university-sponsored plan by submitting a waiver form during the specified waiver period. This paragraph introduces the topic of whether medical insurance is included in Embry-Riddle Aeronautical University's tuition and provides an overview of the university's insurance-related policies.
| Characteristics | Values |
|---|---|
| Medical insurance included in tuition | Yes, but students with comparable coverage may opt out by submitting the waiver form during the waiver period |
| Tuition insurance provider | GradGuard |
| Insurance underwriter | Jefferson Insurance Company |
| Non-insurance benefits/services provider | AGA Service Company |
| Insurance claims administrator | Allianz Global Assistance (AGA) |
| Tuition insurance cost for 2024-2025 academic year | $1,870 per semester |
| Tuition insurance coverage | Reimbursement for financial losses if a student withdraws during the semester due to unforeseen covered reasons, including accidents, injuries, and mental health issues |
| Additional services | 24-hour assistance to students and parents in emergency situations, travel arrangements for hospital stays, transportation arrangements for students who are seriously ill or injured |
Explore related products
What You'll Learn
Students must have medical insurance
All students at Embry-Riddle Aeronautical University are required to have medical insurance. To ensure that all students have an appropriate level of insurance, a student insurance policy is included in your tuition and fees. This insurance is provided by UnitedHealthcare Student Resources (UHCSR), a Choice Plus Plan that covers preventive care, hospitalization, surgery, maternity, emergency care, medically necessary physician care, prescription drugs, and mental health. The rate for the 2024-2025 academic year is $1,870 per semester.
Students who are covered by a third-party plan that provides comparable coverage may request to waive the University-sponsored student health insurance plan. To waive the insurance, students must provide detailed information about their current coverage, including proof that their plan provides coverage while they are enrolled at Embry-Riddle and that the claims administrator for their plan is based in the United States with a U.S. telephone number and address for submission of claims. Additionally, their plan must provide for both emergency and non-emergency healthcare in the state where they are attending classes (Florida for the Daytona Beach campus and Arizona for the Prescott campus), and there must be participating hospitals, physicians, pharmacies, and mental healthcare providers within a 50-mile radius of the campus.
The waiver process is only open for a limited time each term and must be completed during the specified timeframe. Students who fail to waive the insurance by the semester deadline will be charged a non-refundable insurance fee. It is important to note that the University is not responsible for insurance waivers that are submitted after the deadline.
Students enrolled in the University's health insurance plan have access to United Healthcare's nationwide network of healthcare professionals, including primary care and specialist doctors. They can also purchase additional vision and dental insurance and enroll their dependents. Furthermore, the plan includes Travel Assistance Services and Worldwide Medical coverage while travelling abroad, as well as coverage for medical evacuation and repatriation in case of an emergency.
Medical Insurance Premiums: Business Expense or Necessary Cost?
You may want to see also
Explore related products
University-provided health insurance
At Embry-Riddle Aeronautical University, all students are required to have medical insurance. To ensure that all students have an appropriate level of insurance, a student insurance policy is included in the tuition and fees. This insurance is provided by United Healthcare Student Resources (UHCSR), a Choice Plus Plan, which provides coverage for preventive care, hospitalization, surgery, maternity, emergency care, medically necessary physician care, prescription drugs, and mental health. The UHCSR insurance plan also includes travel assistance services and worldwide medical coverage while travelling abroad.
Students who are covered under a third-party plan that provides comparable coverage may request to waive out of the university-sponsored student health insurance plan. To waive out of the insurance, students must provide proof of comparable insurance coverage and submit an insurance waiver request. The waiver process is only open for a limited time each term, and the deadline for submitting the waiver request is strictly enforced. Students must also ensure that their private health insurance meets the university's minimum requirements, which include having a claims administrator based in the United States, providing coverage for both emergency and non-emergency healthcare in the relevant state, and having participating hospitals, physicians, pharmacies, and mental healthcare providers within a certain radius of the campus.
The rate for the university-provided health insurance for the 2024-2025 academic year is $1,870 per semester. Eligible enrolled students have the option to purchase additional vision and dental insurance and also have the option to enrol their dependents. The process to enrol in the plan can be found on the Embry-Riddle website, along with more detailed information about the coverage provided by the UHCSR plan.
Understanding Braces Coverage with Medical Insurance
You may want to see also
Explore related products
Waiving university-provided health insurance
At Embry-Riddle Aeronautical University, all students are provided with and charged for student health insurance. Students with comparable coverage may opt out of the university's insurance plan by submitting a waiver form during the waiver period. The rate for the 2024-2025 academic year is $1,870 per semester. The rate for the 2025-2026 academic year will be posted when available.
It is important to note that the waiver process and requirements may vary depending on the university and the student's specific circumstances. For example, international students attending a university in the United States may have different requirements and eligibility criteria for waiving university-provided health insurance. Additionally, some universities may have specific deadlines for submitting waiver forms, and students must submit their forms by the specified date to be eligible to opt out of the university's health insurance plan.
To initiate the waiver process, students should first review the university's health insurance waiver guidelines and requirements. This information is typically available on the university's website or through the student health services department. Students should carefully read through the eligibility criteria to ensure they meet the requirements for waiving the university-provided health insurance. It is important to understand the specific types of insurance coverage that are acceptable for a waiver, as well as any additional documentation that may be needed.
Once students have confirmed their eligibility, they can proceed to complete the waiver form. As mentioned earlier, this form typically requests detailed information about the student's current health insurance plan. It is important for students to have their current health insurance information readily available when completing the form. In some cases, students may also be required to provide additional documentation, such as proof of insurance coverage, policy certificates, or a letter from their insurance provider confirming that their plan meets the university's minimum requirements.
Health Insurance Brokers: Access to Multiple Medical Plans?
You may want to see also
Explore related products
Tuition insurance
GradGuard Tuition Insurance is available for students at Embry-Riddle Aeronautical University's Daytona Beach and Prescott campuses. This insurance is designed to protect your investment in tuition fees by providing reimbursement when a student cannot complete an academic term due to unforeseen circumstances, such as a covered accident, injury, or other covered reasons. GradGuard's plans provide peace of mind by reimbursing financial losses if a student withdraws during the semester for a covered reason, as advised by a licensed medical professional. Covered reasons can include various medical conditions, such as mononucleosis, COVID-19, severe head injuries, autoimmune disorders, and mental health issues like severe anxiety and depression.
It is important to note that tuition insurance does not cover expenses for food or insurance premiums. The plans have terms, conditions, and exclusions, including for pre-existing conditions. They are only available to U.S. residents and may not be available in all jurisdictions. Pricing may vary by state, and the consumer is responsible for charges incurred from outside vendors.
While tuition insurance is separate from health insurance, it is worth noting that Embry-Riddle Aeronautical University requires all students to have medical insurance. The university offers a student health insurance plan through United Healthcare Student Resources, and students are automatically enrolled unless they can demonstrate comparable coverage through a third-party plan. Students can waive the university-provided health insurance if they meet specific criteria and submit a waiver request during the designated timeframe.
Renters Insurance: Medical Coverage and Your Options
You may want to see also
Explore related products
Additional insurance options
Students at Embry-Riddle Aeronautical University are automatically enrolled in a health insurance plan provided by United Healthcare Student Resources. However, students who have comparable coverage under a third-party plan can choose to opt out of the university-sponsored plan by submitting a waiver form during the waiver period.
Students who wish to waive the university-provided healthcare must submit an online waiver request during the specified timeframe. Embry-Riddle Aeronautical University has outlined specific requirements that a student's private health insurance plan must meet for them to be eligible to waive the university insurance. These include:
- The claims administrator for the plan must be based in the United States, with a U.S. telephone number and address for submitting claims.
- The plan must provide for both emergency and non-emergency healthcare in the state where the student is enrolled.
- The plan must include participating hospitals, physicians, pharmacies, and mental healthcare providers within a 50-mile radius of the campus.
In addition to the mandatory health insurance, Embry-Riddle Aeronautical University also offers students the option to purchase additional insurance plans to enhance their coverage. These additional insurance options include:
- Vision and Dental Insurance: Eligible enrolled students have the opportunity to purchase separate vision and dental insurance through United Healthcare Student Resources. This provides access to United Healthcare's nationwide network of healthcare professionals, including primary care and specialist doctors.
- Tuition Insurance: Embry-Riddle Aeronautical University has partnered with GradGuard to offer tuition insurance plans. These plans provide reimbursement for financial losses if a student needs to withdraw from a semester due to unforeseen covered reasons, such as accidents, injuries, or medical conditions. GradGuard's tuition insurance plans also include 24-hour emergency assistance services for students and parents.
- Travel Assistance Services and Worldwide Medical Coverage: Students travelling abroad can benefit from this additional insurance option, which provides worldwide medical coverage and travel assistance services while they are away from home.
Navigating Medical Insurance While on Disability
You may want to see also
Frequently asked questions
Yes, a student medical insurance policy is included in your tuition and fees. However, you can waive this if you already have your own insurance.
You must submit an insurance waiver request during the designated timeframe. Your private health insurance must meet certain criteria, including providing both emergency and non-emergency healthcare in the state of Arizona or Florida.
The student health insurance plan, United Healthcare Student Resources (UHCSR), is a Choice Plus Plan. It covers preventive care, hospitalization, surgery, maternity, emergency care, physician care, prescription drugs, and mental health.
Yes, students usually have several options available, including parents' employer plans (if you are a dependent up to the age of 26) and employer plans (if you are an eligible employed student).
