Student Health Benefits FAQs

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 benefits 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.

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. 

Enrollment in the Morgan State University Student Health Benefits Plan is either Mandatory or Voluntary. See sections below for Mandatory and Voluntary criteria.

Mandatory All registered Full-Time Undergraduate students taking 12 or more credit hours and J-1 Visa Exchange students and Scholars are automatically enrolled and billed each semester for the Student Health Insurance Benefits upon registration. 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 enrollment website Here.

Voluntary Part-time undergraduate students and Graduate students completing their thesis are also eligible to enroll on a voluntary basis. Voluntary enrollment pay online for health insurance plan must be done on the insurance website Here. Enrollment and payment for health insurance for spouse and/or children must be done on the student insurance website. 

Graduate students are not Mandatory for health insurance. 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. To voluntary enroll login to the student insurance website Here to enroll and pay for the insurance and family.

The Harriet A. Woolford Health Center is the primary care facility where Morgan State University students can be evaluated and treated for acute and chronic medical conditions as well as guidance on practices that promote good health and disease prevention. Students can use their student health insurance benefits anywhere in the Nation with a United HealthCare provider.

Deductibles and co-pays apply for any visits outside of University Health Center are the responsibility of the student. In the event that emergency medical care is received outside of University Health Center, please present the medical provider with your insurance card or insurance information.

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.

Fall 2023 Semester- July 1, 2023 - October 31, 2023

Spring 2024 Semester- December 1, 2023 - February 4, 2024

Students enrolled in the Student Health Benefits 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:
• Adding a newborn (must be enrolled within 30 days of birth)
• Adding a newly adopted child (must be enrolled within 30 days of formal adoption)
• Marriage (must enroll within 30 days of marriage date)
• 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.)
• Within the first 30 days of termination of other health insurance coverage

If you have any questions, please contact the University Health Center immediately at healthcenter@morgan.edu . Additionally, please do not hesitate to contact us via phone at 443-885-3527.

YES! All full-time undergraduate students taking 12 or more credit hours, J-1 Visa Exchange Students and Scholars, are automatically enrolled and billed for the Student Health Insurance Coverage through United Health Care for the Fall 2023 and Spring 2024 semesters. Once a student has successfully completed the Student Health Insurance waiver, you will receive a confirmation number via email, confirming the receipt of your waiver. After submitting your waiver, please allow 48-72 hours for your account to update and indicate your waiver has been applied.

If you do not receive a confirmation number, please contact the University Health Center immediately at healthcenter@morgan.edu . Additionally, please do not hesitate to contact us via phone at 443-885-3527.

All full-time undergraduate students taking 12 or more credit hours, J-1 Visa Exchange Students and Scholars that submit the Student Health Insurance waiver must log into their Banner WebSIS Account to review their Account Summary.

Instructions

1. Log into your Banner WebSIS Account
2. Click on Student Self Service
3. Click on Account Summary By Term
4. Choose the appropriate Fall or Spring semester to review the charges and payments on your account
5. The Student Health Insurance line item will appear on your account as a charge each semester
6. To confirm your waiver applied to your account, review the line item that indicates Student Health Insurance Waiver. The account will display the charge total in the payment column, which indicates that waiver has been applied for the semester. 

Please be advised, you must be registered as a full-time undergraduate student (12 credits or more) in order to submit the Student Health Insurance Waiver. After submitting your waiver, please allow 48-72 hours for your account to update and indicate your waiver has been applied.

If you have any questions, please contact the University Health Center immediately at healthcenter@morgan.edu . Additionally, please do not hesitate to contact us via phone at 443-885-3527.

If you are located off campus in another city, you still have the ability to utilize the Student Health Insurance Plan through United Health Care. Log-into the Gallagher Student Health portal using this link to "Find A Doctor", "Get An ID Card", and "Pharmacy Program" Click Here

If you have any questions, please contact the University Health Center immediately at healthcenter@morgan.edu . Additionally, please do not hesitate to contact us via phone at 443-885-3527 from 8:00 a.m. - 5:00 p.m.

The following "qualifying events" are the only exceptions that will permit a student to enroll themselves or family outside of open enrollment

• Adding a new dependent (within 30 days of marriage, birth or adoption)
• Enrolling as a new or transfer student (within 30 days of date of enrollment)
• 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 will not be added to a student's account. Payment must be made by credit or debit card directly to Gallagher at the time of enrollment.

If you have any questions, please contact the University Health Center immediately at healthcenter@morgan.edu . Additionally, please do not hesitate to contact us via phone at 443-885-3527 from 8:00 a.m. - 5:00 p.m.

A fixed dollar amount you pay at the time services are rendered. Typical copay's are for office visits, prescriptions, or hospitalizations.

A specified percentage of the cost of treatment the insured is required to pay for all covered medical expenses remaining after the deductible has been met.

The portion of your health care that you pay before insurance starts covering it. Typically, the higher the deductible, the lower the premiums.

An illness, disease or condition an individual has at the time of enrollment in a health care plan.

The monthly or quarterly payments paid for health insurance.