Student Health Insurance Plan (SHIP)

 

Student Insurance FAQ

Why do college students need health insurance?
What is the Affordable Care Act?

How do students enroll in the Morgan State University Student Health Plan (SHIP)?
Does the Morgan State University Student Health Plan (SHIP) cover medical expenses only at University Health Center?
How much does the Morgan University Student Health Plan cost?
When students begin enrolling in the Morgan University Student Health Plan?

What if I am charged for the Morgan University Student Insurance Health Plan as a condition of enrollment and I already have health insurance? What is the "hard waiver requirement"?
How do I submit a waiver?
How will I know when the insurance charge is removed from my account?
What is the student health fee?

Does UHC file my private insurance?
My program is located off campus in another city. Will I still be able to use the Student Health Insurance Plan?
Can I add my family to my Student Health Insurance Plan?
Is there any way for a student or student's family member(s) to enroll in the Student Health Insurance Plan outside of open enrollment?
When will I get my insurance card?
Will the Student Health Insurance Plan cover me if I go to any doctor?
Am I still covered by the Student Health Insurance Plan if I am not enrolled for any classes during the summer?
If I am not enrolled for any classes during the summer, why do I still have to pay for insurance?
Does my insurance coverage end on the day I ggraduate?

How can I find a list of doctors and hospitals who are in-network providers?
What is the deductible and out of pocket maximum for the Student Health Plan?
Does the Student Health Insurance Plan cover dental and vision?
Does the Student Health Insurance Plan cover other wellness and preventive services?
Are there exclusions in the insurance plan?
Definitions of insurance terms.
Where is the Student Insurance Office?
 


 

Why do college students need health insurance?
Health care is incredibly expensive. While University Health Center (UHC) provides economical primary care, students sometimes require hospitalization, surgery or other specialty care. The resulting large medical bills can be overwhelming for students on a budget. Having and maintaining adequate health insurance will allow students to receive needed health care. All individuals, including college students, need health insurance. Additionally, the

Affordable Care Act  legislation requires everyone to have health insurance that meets certain standards of care and Morgan University Student Health Plan meets that requirement.

What is the Affordable Care Act?
The Patient Protection and Affordable Care Act, commonly referred to as the Affordable Care Act
 (ACA),affects the health insurance and federal income taxes of nearly every American by requiring all American citizens to have health insurance that meets certain standard of care. The Affordable Care Act requires insurance plans to cover many preventive services and to provide coverage for pre-existing conditions.  The Morgan State University Student Health Plan meets all ACA requirements. 

Morgan State University requires all international students to have health insurance that meets ACA and University requirements. The charge for the Student Health Plan will be included with tuition & fees in fall and spring semesters.  International students who have alternate insurance that meets ACA and university requirements may submit a request for a waiver.  If the alternate insurance meets requirements and is accepted for waiver, the insurance charge will be removed from the student account. 

How do students enroll in the Morgan State University Student Health Insurance Plan (SHIP)?
Enrollment in the Morgan State University Student Health Insurance Plan is either Mandatory or Voluntary. See sections below for Mandatory and Voluntary criteria.

Mandatory enrollees are categories of students for which health insurance is required by Morgan State University as a condition of enrollment. Students who are mandated by Morgan State University to have health insurance will be charged for the SHIP with tuition & fees. Students in the following categories are required to have health insurance as a condition of enrollment at Morgan State University:

  • Graduate students enrolled in nine or more credit hours on the main university campus may enroll voluntary
  • International Students Graduates and Undergraduates

 

Call UHC or email us at healthcenter@morgan.edu with questions or concerns.

Voluntary enrollment pay online for the Morgan State University health center for the health insurance plan must be done on the insurance website at www.morganstudentinsurance.com.Choose voluntary coverage after login. To request a temporary insurance card call 1-877-233-5159 or the UHC 443-885-3236. Enrollment and payment for health insurance for spouse and/or children must be done on the student insurance website. 

Students who are Mandatory for insurance and want to enroll spouse and/or children must complete the process and pay for the insurance on the website at http://www.morganstudentinsurance.com. Choose Voluntary Coverage and the system will prompt you to add spouse and/or dependent children during open enrollment.

Voluntary: Graduate students are not Mandatory for health insurance. Graduate students may voluntary enroll with 9 credit hours or more. Students not in a mandatory category cannot have the charge for Student Insurance included with tuition and fees.  Students who do not have the charge for Student Insurance included with tuition and fees and want the SHIP must enroll as Voluntary and pay the student insurance company online for the insurance.  Voluntary enrollment is only allowed during Open Enrollment. Undergraduates must be enrolled in a minimum of 12 credit hours to be eligible to purchase the Student Insurance.  To voluntary enroll login to the student insurance website at www.morganstudentinsurance.com to enroll and pay for the insurance for themselves and family.

Does the Morgan University Student Health Insurance Plan (SHIP) cover medical expenses only at University (UHC) Health Center?
The SHIP is a major medical health insurance plan that provides health insurance benefits anywhere.

View the Student Health Insurance Plan, click here for Summary of Benefits 

How much does the Morgan University Student Health Plan cost?
Student Health Plan rates can be found on the student insurance website at
www.morganstudentinsurance.comthen click on the Plan Rates and benefits summary. The effective dates of coverage for fall semester September 1 – January 26.  The effective dates for spring are January 26 - August 31. Spouse premium (cost) and Child(ren) premium is in addition to the student premium. The one child premium will cover all children, there is no additional cost "per child".

When may students begin enrolling in the Morgan University Student Health Plan?
Open Enrollment is approximately 30 days before classes start.  Open Enrollment for fall semester ends September 6 and Open Enrollment for spring ends February 7. 

What if I am charged for the Morgan State University Student Health Plan as a condition of enrollment and I already have health insurance? What is the "waiver requirement"?
Students who are mandated to have health insurance as a condition of enrollment at Morgan University will be charged for the SHIP with tuition & fees. Students who are covered by alternate insurance must submit an online request for waiver to have the charge removed. This is called a "waiver requirement". The request for waiver will be reviewed by an outside company to make sure that the health insurance submitted complies with Affordable Care Act
and Morgan University health insurance requirements. Once approved, notification will be sent to the University Health Center to have the charge for the SHIP removed from the student's account.

Alternate health insurance must meet the following minimum requirements in order to qualify for a waiver:

1.   Coverage must be effective on or before January 1 (spring) or August 15 (fall) and extend through the semester including breaks and holidays.

2.   Plan must be fully compliant with the Affordable Care Act and provide coverage for

·         Ambulatory patient services;

·         Emergency services;

·         Hospitalization;

·         Maternity and newborn care;

·         Mental health and substance use disorder services; including behavioral health treatment;

·         Prescription drugs;

·         Rehabilitative services

·         Laboratory services;

·         Preventive and wellness services

·         Pediatric services, including oral and vision care

To submit waiver click Waive Coverage. Choose Waive from the left navigation pane to submit.

ONLINE WAIVER MUST BE SUBMITTED BY SEPTEMBER 6 FOR FALL ENROLLMENT AND FEBRUARY 7 FOR SPRING ENROLLMENT.  WAIVERS WILL NOT BE ACCEPTED AFTER THESE DATES.

How do I submit a waiver?
Waivers can only be processed online. To submit an online waiver, go to
www.morganstudentinsurance.com  after submitting the initial waiver request, you should receive an e-mail from the insurance company informing you that the waiver request has been received. Waivers will be processed in real time. You may receive a second e-mail requesting more information in order to verify your coverage if your waiver cannot be processed. You will need the following information to complete the waiver:

1.   Name and address of your insurance company

2.   Policyholder's name and identification

3.   Policy number

4.   Your insurance company's customer service telephone number (for verification of coverage)

5.   For international plans, your documentation will need to show start and end dates of coverage. Also, many international plans must be scanned and e-mailed to the insurance company for verification of benefits. You will get an e-mail from the insurance company requesting this information, or you may check status of the waiver on the student insurance website. Failure to submit the requested documentation by the deadline will result in denial of waiver request.

6.   You will need to look for the e-mail informing you if your request for waiver has been accepted or Denied.

7.   If your waiver is accepted, the student insurance company will send the approved waiver to Bursar's Office and the student insurance charge will be removed.

8.   If you get an e-mail stating that the waiver has been denied and you feel this is in error, please contact the UHC at 443-885-3236.

Please note that it may take a few days from the time you receive notification that your waiver has been approved for the charge to be removed from your student account.

It is the student's responsibility to follow up with any requests from the company in order to get the waiver approved.  Failure to follow up with requested information could result in denial of waiver.

If you feel your waiver has been denied in error, please contact the Insurance Coordinator at University Health Center. You can call the UHC at 443-885-3236 or e-mail Alexandria Brown-Pitts, Student Insurance Coordinator, at Alexandria.brownpitts@morgan.edu.

How will I know when the insurance charge is removed from my account?
It may take a few days from the time you get the e-mail notifying you that your waiver request has been approved until the charge is actually removed from your student account. If the charge has not been removed after five days of receiving the notification that your waiver has been approved, contact the Insurance Coordinator. It is the student's responsibility to check the student account to make sure the fee for the Student Health Insurance Plan has been waived.

What is the student health fee? 
The University policy requires all students registered for six or more credit hours to pay the University health fee. The health fee supports some services at University Health Center and includes:

·     Professional services for primary health care providers, (this means no charge for office visits for illness/injury).

·     Cost on over the counter pharmaceuticals only.

Does UHC file my private insurance?
University Health Center files claims to the Student Health Insurance Plan ONLY

What if I am located off campus in another city. Will I still be able to use the Student Health Insurance Plan?
If you are located off campus in another city, you would still be able to use Student Health Insurance Plan. Since you would not be using University Health Center, you would look on the website to find network providers in your area. Deductibles, co-pays, and co-insurance would apply to visits. You would be able to use your insurance card as a pharmacy card for prescriptions, subject to deductibles and co-pays. Referrals would not be required for treatment if you are more than 30 miles from University Health Center.

Can I add my family to my Student Health Insurance Plan?
Students enrolled in the Student Health Insurance Plan may enroll any eligible dependents during Open Enrollment periods.  Additional premium payment required.

The only exception to enrolling outside the Open Enrollment period would be a Qualifying Event (with appropriate documentation) such as:

1.   Adding a newborn (must be enrolled within 30 days of birth)

2.   Adding a newly adopted child (must be enrolled within 30 days of formal adoption)

3.   Marriage (must enroll within 30 days of marriage date)

4.   International dependent arriving after Open Enrollment must enroll within 30 days of arrival in the U.S. (must have copy of passport showing date of arrival in U.S.)

5.   Within the first 30 days of losing coverage under other Creditable Coverage. 

 

 Is there any way for a student or student's family member(s) to enroll in the Student Health Insurance Plan outside of open enrollment?
The following "qualifying events" are the only exceptions that will permit a student to enroll themselves or family outside of open enrollment:

1.   Adding a new dependent (within 30 days of marriage, birth or adoption)

2.   Enrolling as a new or transfer student (within 30 days of date of enrollment)

3.   Becoming ineligible for coverage from prior health insurance company due to age, marriage or loss of employment (within 30 days of loss of coverage with appropriate documentation). 

Enrollment of student and/or family members requires payment of premium due for that enrollment period.

Premiums are not pro-rated when enrollment is done outside of Open Enrollment.

When will I get my insurance card?

All voluntary enrollments should receive the insurance card within two to three weeks after add and drop period. Students may pick up insurance cards at the University Health Center.

Will the Student Health Insurance Plan cover me if I go to any doctor?
Students covered by the Student Insurance Health Plan must use University Health Center as their primary care facility. To use the insurance outside of UHC it must be

1.   A referral by a UHC provider to another doctor or facility

2.   Medical emergency

3.   More than 30 miles from UHC and requires immediate medical attention

Deductibles and co-pays apply for any visits outside of University Health Center. In the event that emergency medical care is received outside of University Health Center, please contact the Insurance Coordinator at the UHC the next business day for information on accessing this benefit. The insurance company determines covered benefits.

If you have an emergency visit and are referred to another provider by the emergency room or urgent-care physician, please contact the Insurance Coordinator for a referral or to see if follow-up care can be done at University Health Center.

Am I still covered by the Student Health Insurance Plan if I am not enrolled for any classes during the summer?
Spring enrollment in the SHIP includes summer coverage, January 26 - August 31.

If I am not enrolled for any classes during the summer, why do I still have to pay for insurance?
Students should be covered by insurance year-round. Students can suffer an illness or injury in the summer the same as they could in the fall or spring and would need insurance coverage to cover the costs.

How can I find a list of doctors and hospitals who are in-network providers?
Go to the website at
www.morganstudentinsurance.com to search CareFirst In-Network Providers.

Does my insurance coverage end on the day I graduate?
No. If you pay for spring/summer coverage, you are covered until August 31 even if you graduate in May. Students covered by the SHIP may continue to use University Health Center after graduation for the remainder of the coverage period.  All benefits remain the same. 

What is the deductible and out of pocket maximum for the Student Health Plan?
Average Maximum: Unlimited

In-Network Deductible: $300

Out-of-Network Deductible: $600

In-Network Out-of-Network Maximum (combined): $6,600

Does the Student Health Insurance Plan cover dental and vision?

No. However you may purchase dental and vision coverage at www.morganstudentinsurance.com. You may also purchase coverage for vision. Login click on voluntary coverage and click on additional coverage to the right for dental coverage http://aisstudentinsurance.com/dental-coverage/.

Does the Student Insurance Plan cover other wellness and preventive services?
Preventive services as specified by the Patient Protection and Affordable Care Act (PPACA) are covered at 100% of Reasonable & Customary charges, not subject to deductible, co-payment, or coinsurance. To view a list of covered preventive services log onto
www.healthcare.gov.

Are there exclusions in the insurance plan?
There are exclusions in the insurance plan. Not every medical condition is covered by the insurance. Please review the exclusions in the insurance plan so that you will be aware of non-covered services or benefits. To see the exclusions and limitations go to
www.morganstudentinsurance.com

Definitions of insurance terms
There are terms used in these FAQs that you might not know the meaning of or understand. For definitions of insurance terms such a deductible, co-pay, network provider, etc., go to the student insurance website and view the brochure and access their Definitions of Insurance Terms. If there are still issues regarding the Student Health Insurance Plan that you do not understand, please come by, call or e-mail the Student Insurance Coordinator.

Where is the Student Insurance Office?
The insuance office is located in the University Health Center behind Cummings House (adjacent to Baldwin Hall). Parking is available in front of the building on Parking Lot L which is gated. To gain access to parking Lot L, call 443-885-3236 to notify one of the health center’s staff members. Parking is also available in the garage located directly behind the University Student Center.