Dear Students and Parents/Guardians:
Expenses for medical and psychological services beyond those provided on campus, including referrals by the campus services, are the personal responsibility of the student. This is the case even if the expense results from University-sponsored programs such as physical education, field or clinical experiences, and intramural or recreational activities. Such expenses can affect a student’s ability to continue his/her education. Therefore, the importance of having some form of insurance cannot be overemphasized.
STUDENT HEALTH INSURANCE PLAN
The 2020-2021 Student Health Insurance Plan (UD Plan) is underwritten and administered by Aetna Student Health. The UD Plan provides substantial benefits for Covered Medical Expenses at a reasonable cost. Students who are considered Mandatory for the 2020-2021 academic year will be automatically charged for the UD Plan on their student accounts for the Fall and Spring semesters. The charge is $1,232 for Fall coverage (8/15/20 - 1/31/21) and $1,412 for Spring coverage (2/1/21 - 8/14/21). A complete description of benefits can be found under "Benefit Information" on the left side of this page.
We urge you to evaluate the UD Plan, not only based upon the absence of other insurance coverage but as an important supplement to existing insurance coverage providing access to providers in the area surrounding UD. Although many students are adequately covered while home by their parents’ plans, similar coverage in another state cannot be assumed. If you are currently covered by an insurance plan, please have a discussion with your insurance provider regarding differences in your benefits or covered services when in the Newark, Delaware, area.
The following students will be required to either purchase the UD Plan or complete an online Waiver Form. These students are categorized as “Mandatory Students”:
Fall Semester Mandatory Students who have other comparable coverage and do not want to purchase the UD Plan need to submit an online Annual Waiver Appeal Form by October 22, 2020. Students who are not categorized as “Mandatory” in Fall 2020 but are categorized as such in Spring 2021, who have other comparable coverage and do not want to purchase the UD Plan, need to submit an online Spring Waiver Form by February 28, 2021. Click here to read the requirements for comparable coverage.
Students MUST maintain eligibility for the plan to remain enrolled for Spring 2021 coverage. Students that drop credits in the Spring semester may no longer be considered Mandatory and will be removed from the UD Plan as of January 31, 2021. Students who are matriculated but no longer considered Mandatory in the Spring must call University Health Plans at 800-437-6448 to find out if they are eligible to continue their benefits for Spring 2021 coverage. Students not returning to UD for the Spring semester will not be eligible to continue enrollment and will be removed from the plan as of January 31, 2021.
Eligible students who would like to be enrolled should submit an online Mandatory Student Enrollment Form to expedite the processing of their enrollment. Students who enroll in the UD Plan may also purchase coverage for their eligible dependents by submitting the Dependent Enrollment Form. Dependent premiums must be made in full with a credit card online.
Mandatory Students Studying Remotely due to COVID-19
The insurance requirement remains the same with the exception that students studying outside of the UD campus area can confirm coverage in the location they are studying by completing the Annual Waiver Form. Students that return to the UD campus area must have insurance that provides them with access to comprehensive health care in the UD campus area. If students waive with a plan that does not extend coverage to the UD campus area, then they must enroll in the UD Plan or find other comparable coverage. Students will have an opportunity to enroll and must submit a qualifying enrollment form within 31 days of the date of return to the campus area. A qualifying event enrollment form will be available soon and posted in the left-hand side navigation menu.
International students that will be in their home country and do not need the UD Plan for the Fall 2020 semester must complete the "International Student Outside of U.S. Form" located on the left side of this page by September 15, 2020.
The following matriculated students are not eligible for the UD Student Health Insurance Plan.
An exception may be granted for a student to remain enrolled for one semester if the student was enrolled in the UD Plan as a Mandatory student during the immediately preceding semester. Please call University Health Plans at 800-437-6448 for questions regarding eligibility and enrollment instructions.
All Postdoctoral Fellows (Post Docs) may purchase coverage for themselves and their eligible dependents by submitting a Post Doc Enrollment Form by the deadline applicable to the desired coverage period. The annual enrollment deadline is 9/15/20. Payment must be made in full with a credit card online or with a check or money order by mail. Please refer to the 2020-2021 enrollment form for details on available coverage periods, deadlines, and premium amounts.
The dental plan offered for the 2020-2021 Policy Year is Delta Dental PPO Plan. The enrollment form, premium information, coverage periods, deadlines, complete description of benefits, and participating provider search can be found by clicking "Voluntary Dental Plan” on the left side of this page. Enrollment in this plan is open to all matriculated students, postdoctoral fellows, and their eligible dependents. The dental plan enrollment is completely voluntary and not based on enrollment in the Student Health Insurance Plan.
The vision plan offered for the 2020-2021 Policy Year is Davis Vision. The enrollment form, premium information, coverage periods, deadlines, complete description of benefits, and participating provider search can be found by clicking "Voluntary Vision Plan" on the left side of this page. Enrollment in this plan is open to all matriculated students, postdoctoral fellows, and their eligible dependents. The vision plan enrollment is completely voluntary and not based on enrollment into the Student Health Insurance Plan.
Questions about any of these insurance plans should be directed to University Health Plans at firstname.lastname@example.org or 800-437-6448.
Ike Jenkins, MBA ARM CPHRM
Director of Risk Management
University of Delaware