Division of Business Affairs - Student Insurance
To: Parents, Guardians and Full-Time Undergraduate Students
From: Allan Lundeen, Office of Business Affairs
Subject: Mandatory Student health Insurance Coverage
The University of St Francis promotes student wellness and, to the extent possible, prevention of sickness and injury while students are here at the University. We want to ensure students receive the medical care and treatment they need and moreover, have the ability to pay for these services.
Because so many students come to school without health insurance, it is this University’s requirement that all full time undergraduate students have health insurance coverage. Please review your Health Insurance Plan to determine if it will provide coverage while your student attends the University of St Francis.
The University of St Francis uses a highly regarded health insurance company to provide student health insurance coverage and the cost of this plan is automatically added to your tuition statement. If you have other comparable coverage please complete the health insurance waiver process that will be available to you beginning May 31st. Completion of the waiver process will eliminate the insurance cost from your tuition statement. In order to complete the waiver process, please go to the University of St. Francis, Division of Business Affairs web site (beginning May 31st). There you will find instructions indicating how to waive the Student health insurance.The yearly insurance cost is anticipated to be no more than $400 for non-athletes and $900 for athletes. Half of the premium is paid in the fall with the other half paid in the spring. If you utilize this insurance for the fall semester you cannot drop insurance for the spring semester unless you are graduating at that time.
You may choose to maintain health insurance independently or purchase the University health insurance plan. Before waiving the student health insurance plan, please take a moment to consider the following:
Is your plan an HMO or PPO?
Health insurance under an HMO or PPO program often limits benefits for out of network medical treatment. Please verify with your health plan provider what is covered while your student is away at school. Benefits may be limited!
Does your plan include an “Age Off Provision”?
Verify with your health insurance carrier when students age off the family plan. Often families discover too late that their health insurance no longer covers their student, because of an “Age Off” provision. Plan ahead! Don’t wait until this occurs and you find yourself without insurance and with costly medical bills.
Does your family health insurance plan pay 100% of all medical expenses?
If your insurance does not pay 100% of medical expenses frequently incurred by this age group, consider purchasing this plan. It is designed to help cover these expenses and can fill in the gaps.
How to Apply?
Coverage is automatically billed to full time undergraduate students and is included on the tuition billing statement.
What will my student receive that indicates coverage?
Your student will receive a medical ID to be used when seeking medical services.