Insurance Plan 2017 - 2018

The Health Insurance Plan for 2017-2018 is offered by United Healthcare. This plan is designed to be used in conjunction with the services of the Student Health Service and Counseling Center. To obtain greatest benefits, you will need to utilize the Student Health Service first, where treatment will be administered or referral issued, except in the case of medical emergency, maternity, when away from campus or when the Student Health Service is closed. 

There are no co-payments for clinical and diagnostic services provided at the Student Health Service or Counseling Center. Co-payments and coinsurance may apply to services received elsewhere. Higher out of pocket costs apply when using out-of-network versus in-network providers. Coinsurance for in-patient care is lowest at University of Miami Hospital, prescription drug copays are lowest at the Student Health Service Pharmacy. All students including those with limited out of state coverage, and otherwise inadequate coverage are encouraged to review their options carefully before choosing to waive the insurance charge.

The plan highlights are as follows: 

$400 Annual Deductible.

$4,000 Out of Pocket Maximum which includes the deductible, copays, coinsurance and covered prescription drug copays.

No annual or lifetime maximum benefit limits.

Lower co-insurance for inpatient services and outpatient surgery at University of Miami Hospital, Bascom Palmer Eye Institute and Sylvester Comprehensive Cancer Center (10% co-insurance at these UM facilities versus 30% co-insurance at other in-network facilities).

Four tier prescription drug benefit. Lowest pharmacy co-payments are available at the Student Health Service Pharmacy. Maintenance medications available via mail-order pharmacy, 3 month supply for 2 ½ co-pays.

Hormonal contraception is available according to the United Healthcare formulary, including zero co-pay options at the Student Health Service and at other participating pharmacies.

Smoking cessation medications are available at the Student Health Service Pharmacy.

Dental and vision coverage for enrollees under age 19 as required under health care reform.

For other students, routine eye exams are covered for students (one per year, subject to co-payment, eyewear is not covered) from a United Healthcare participating optometrist, search for provider at .

No limitation of number of days/visits for Mental Health coverage.

New this year: (Available 9/1/2017) Virtual visits are available for after-hours non-emergency care.

Virtual visits description

Virtual Visits Information

Virtual Visits Sign up information