FAQ

You must first confirm your enrollment with UnitedHealthcare by filling out the enrollment form /links-and-forms. Once that has been completed you will be able to follow the instructions for dependent verifications. 

Students must provide documentation verifying their dependent status. This verification is needed in order for the dependent to be added to or remain covered on the plan. 

At least one of the documents listed below must be provided for each dependent, in English, prior to their enrollment being completed.

      Acceptable Documents to add dependents:

  • Marriage Certificate 
  • Birth Certificate
  • 1040 Tax Return (1st and last pages w/signatures)
  • J1 or F1 Visa (needs to include dependents name)
  • Civil Union Certificate 
  • Military Discharge Papers 
  • MD Attestation (disabled dependents over 26)
  • Guardianship-Court Order or Letter signed by a judge, awarding legal guardianship. 

     Domestic Partnership- at least 3 of the below documents must be submitted:

  • Joint Mortgage or Lease 
  • Life Insurance Beneficiary Designation 
  • Primary Beneficiary (Will) Designation
  • Domestic Partnership Agreement 
  • Power of Attorney of Property and/or Health Care
  • Joint Ownership of either a motor vehicle, checking account or credit card.

Documents must be received and approved during the Enrollment Period, before dependents will be added.

Documents must be provided directly to Student Insurance via e-mail or secure link:  http://si.illinois.edu/depverify

 

 

 

You have 31 days after the birth of a child/marriage to spouse to add them to your plan as a dependent. Outside of this deadline you may only add dependents during the enrollment/change period.

You must re-enroll your dependents each semester.

Your coverage is largely identical to that of your dependents. For details on the plan you can find the policy brochures linked on this website on the Links & Forms page.

If you have opted out of the student insurance in the past, you may reinstate that coverage.  Please visit this link for additional detail:  /links-and-forms

Student Health Insurance is the major medical insurance coverage offered to students and their dependents by the University of Illinois.

Your Student Health Insurance coverage is worldwide.  You can access your insurance plan anywhere, whether or not you're on campus.  That said, some providers are contracted with United Healthcare, which means they will bill a discounted rate for services.  To find out if your provider is in-network, use the following link: Preferred Provider Search

For the current Academic Year, please visit: /news-announcements

The Student Insurance is a comprehensive, major medical plan. Coverage includes: inpatient, outpatient and emergency care; preventive services not provided by McKinley Health Center, mental illness-related services, durable medical equipment (DME) and prescription drug coverage.

Both the Student Health Insurance office and UnitedHealthcare StudentResources must have current personal information.  Not updating your personal information could affect claims filing, communications and receipt of refund checks.

You must update both of these sites:

  • The UI-Integrate system 
  • Go to the UI-Integrate Self Service site:https://apps.uillinois.edu/selfservice
    • Log in using your Enterprise ID and password
    • Go to the Personal Information tab
    • Click Personal Information
    • Click Addresses and Phones
    • Select Mailing Address
    • Update your mailing address and Information to match your local/campus address and click submit.
    1. Go to the UHCSR site: https://uhcsr.com/illinois
      • Log into your My Account page
      • Click on the “edit” link in the My Personal Information box on the right
      • Update your Mailing Address and Information to match your local/campus address in UI-Integrate

Students registered for non-zero credit hours in a manner such that they are assessed on-campus fees, they will be assessed the UIUC Student Insurance fee. This will take place during the enrollment/change period, which spans roughly the first six weeks of each semester. The student can begin utilizing their insurance coverage as soon as that fee has been assessed.  Students wishing to opt-out of coverage should refer to the following link for detailed instructions: /links-and-forms

 

The University of Illinois Board of Trustees requires all students to have health insurance in order to offset the potential costs of health care.

UIUC Student Health Insurance coverage is based on your registration per semester.  Additional coverage options (e.g. Extensions and Continuations) can be found on the Forms page  Enrollment-related dates can be found on the Home Page. 

Students enrolled for health insurance coverage with UnitedHealthcare Student Resources have access to HealthiestYou; an online resource for connecting with board certified physicians and mental health providers.  Students can connect with the appropriate providers via web, phone or app.  Students enrolled in UIUC’s Student Health Insurance plan will have 24/7 access to healthcare resources including appointment scheduling and virtual visits.  HealthiestYou can provide information on everything from flu and infection to anxiety and depression.

This service comes at no additional charge to students enrolled in the plan. 

http://telehealth4students.com

Please review these documents for additional information:

1. HealthiestYou - Medical Resources

2. HealthiestYou - Mental Health Resource

The Student Insurance plan does cover pediatric dental and vision for students and dependents until they turn 19 years of age. Please see the policy brochure for more information.http://si.illinois.edu/links-and-forms 

This process is simply confirming your enrollment with UnitedHealthcare prior to the end of the Enrollment/Change period.  More importantly, if you need to enroll dependents, you must first enroll yourself.  Additionally, actively enrolling during the Enrollment Period will enable immediate access to your my.account, where you will be able to print your insurance ID card.  

If the enrollment form isn’t online, that means the Enrollment Period has ended. Students can only enroll during this period.  For specific Enrollment Period dates, visit this site's Home Page. 

Continuations are only available to students who have graduated. This differs from extensions, which are used to provide coverage during a temporary, one-semester absence from on-campus registration (e.g. summer). Continuations are purchased directly from UnitedHealthcare and can extend coverage up to 90 days after the last day of the semester in which the student has graduated. Both undergraduates and graduate students may access the continuation purchase under the appropriate “EXPLORE POLICY” links found here: Continuation Form

Most claims will be automatically filed by your healthcare provider as discussed above.  In the event that you are required to file a claim yourself (reimbursement for out-of-pocket charges from approved facilities, e.g. vaccinations or birth control) you should: 

  •  Update your address at apps.uillinois.edu/selfservice.  You must list your U.S. address.
  •  Log into your MyAccount through UHCSR: https://www.uhcsr.com/
  •  Update your address in your MyAccount at UHCSR, under Profile.  The address will have to match the address in the self-service tool through the University system.  
  •   Under the Tile:  My Claims/Balance, click on "Submit Claim"
  •   Fill out the enrollment form, attach your medical claim and Submit

If your healthcare provider is filing your claims electronically, they should use payer number: 74227

 

 

When a student visits a health care provider, they will show their insurance ID card, which the provider will use to bill the student insurance. After the insurance has been billed, the student will receive an explanation of the coverage that was provided by United Healthcare, as well as a bill for the remaining amount for which the student is responsible.

Because claims are processed by United Healthcare, you must call them for final explanations of payment/denial. You are, however, welcome to use our office as consultants and mediators in any case. To set up an appointment to call United Healthcare with a UIUC Insurance Representative, contact our office directly.

The graduate plan has a much lower maximum out-of-pocket than the undergraduate plan, and accordingly has a slightly higher premium. Details on the plan may be found on this website at the Links & Forms page.

Most waiver generating appointments help subsidize the cost of student health insurance. For details about your particular case, please contact the Graduate College at (217) 333-0035.

These plans are separate from the student health insurance, and information about them may be found at the Graduate College website linked here.

Students are not sent an insurance card automatically. The easiest way to obtain your insurance card is to print it off yourself online using the links provided on this website: Links & Forms.

The card is good for the length of the academic year. Each fall you will need to print out a new card.

The large majority of these cases come during the enrollment/change period at the beginning of each semester. In order to access your account, print your card, or update your coverage to include the current semester during an enrollment/change period, you must FIRST fill out the enrollment form at https://studentcenter.uhcsr.com/illinois.

Yes, international students have the same requirements for insurance as domestic students. 

Although the Student Health Insurance office is located within the McKinley Health Center building, they are entirely separate and distinct organizations. McKinley Health Center is the on-campus health center which provides a vast number of services including acute care, women's health, immunizations/vaccines, mental health services, primary care and many others.  

Students cannot waive the McKinley Health Services Fee. 

UIUC Student Insurance provides coverage for services outside of McKinley Health Center.  

Videos covering several Insurance related topics can be viewed on the United Healthcare website.

 


Glossary of Common Terms

Reinstatement

A reinstatement is performed when a student has opted out of the UIUC student insurance in a past semester and wishes to add themselves back onto the plan. Reinstatements may only be processed for those students who would otherwise be eligible for the UIUC student insurance, but have not been assessed the fee. This mainly occurs when:

A student who has opted out during the Fall of a given year will not be assessed the UIUC student insurance fee during the subsequent Spring and Summer. The student may reinstate the UIUC student insurance coverage for either of those semesters in which they register for a non-zero amount of on campus credits. Likewise if a student opts out in the Spring, they may be eligible to reinstate during the subsequent Summer given the above conditions. Regardless of when the student opted out, they will be assessed all fees per usual in accordance with their registration status during the subsequent Fall.

Note: Reinstatements may only be done during the open enrollment period at the beginning of the semester, or within 63 days of loss of other coverage.

Premium

The amount that must be paid in order to obtain the student health insurance plan. This premium is assessed along with your other tuition and fees each semester. Current premiums may be found in the FAQ, under ‘Basics’.

Outpatient Care

Outpatient care describes medical care or treatment that does not require an overnight stay in a hospital or medical facility. Outpatient care may be administered in a medical office or a hospital, but most commonly, it is provided in a medical office or outpatient surgery center.

Out-of-pocket Maximum

The maximum amount for which a student may be liable for covered services during the academic year. For graduate students the out-of-pocket maximum per insured person is $1800. For undergraduates it is $6850.

Out-of-pocket Costs

Your expenses for medical care that aren’t reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren’t covered.

McKinley Health Center

McKinley Health Center is UIUC's on-campus health center, available to all students.  McKinley is separate and distinct from UIUC Student Health Insurance.  

Every student is assessed a health services fee for McKinley, which cannot be waived. McKinley's fee covers the extensive list of services they provide.  These include: Women's Health, Immunizations & Travel Clinic, Acute Care, Lab Services and many others.  

Additional information is available under: /faqs

Please visit their website for additional information:  http://mckinley.illinois.edu/

   

Inpatient Care

Health care that you get when you’re admitted as an inpatient to a health care facility, like a hospital or skilled nursing facility.

Excluded Services

Health care services that your health insurance or plan doesn’t pay for or cover. The excluded services on the UIUC Student Plan may be found on the brochure linked on this website.

Deductible

This is the amount you must pay each year before the insurance benefits will be applied. For example, if you have a bill for $600, and a deductible of $250, you will have to pay the first $250 of the bill, leaving $350. The regular insurance benefit will then be applied to that remaining $350. 

Deductibles for the 2017-2018 academic year are as follows: Graduate Students: $150 Undergraduate Students: $250

Copayment

A fixed amount (for example, $15) you pay for a covered health care service, usually when you get the service. The amount can vary by the type of covered health care service. On the UIUC Student Insurance plan, copayments are applied to ER visits, as well as most prescription drugs.

Coinsurance

Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.

Claim

A request for payment that you or your healthcare provider submits to your health insurer when you get items or services you think are covered.

Certificate of Coverage

When you enroll in a health insurance plan, you are given a certificate of coverage. It may also be called a contract, evidence of coverage, or summary plan description (SPD). Among other things, this is the document that specifically names the recipients of coverage under a given plan. You can call your insurance customer service department at any point during your coverage and ask for a written copy of your certificate of coverage. This should be provided free of charge. A copy of the certificate of coverage from your insurance provider, specifically naming the covered student, may be requested when opting out of the student insurance.