Student Health Insurance

Tufts University students are required to have health insurance. The university offers a comprehensive plan for undergraduate and graduate students and, if needed, their spouses and children through UnitedHealthcare StudentResources, one of the largest student health insurance providers in the country. Student health insurance is an economical policy. Once enrolled, you will have health insurance coverage for the academic year. The cost of the individual student plan is $2,750 in 2018-2019. If you are enrolled under the student insurance  you will also be charged the mandatory comprehensive health service fee.

If you have any questions about enrollment, eligibility, coverage, or other services please contact our Health Service Business Office or contact UnitedHealthcare StudentResources directly at 1-888-224-4752.

Eligibility and Waivers

Minimum Requirements for Health Plan Comparable Coverage

Students attending universities in Massachusetts must have health insurance. National health care reform in the U.S. has some specific insurance benefit levels that impact requirements for students who want to waive the student health insurance plan with comparable coverage.

The health insurance charge, may be canceled if proof of comparable coverage from a U.S. carrier is submitted. If you are covered by a separate policy, please complete the Health Insurance Waiver.

The minimum requirements for acceptable health insurance coverage are: 

  • The plan must be administered in the U.S. International policies cannot be accepted, according to state requirements.
  • Plan provides and maintains coverage for the full academic year, as well as evacuation and repatriation benefits.
  • Plan must provide reasonably comprehensive coverage of health services, including primary care, emergency services, surgical services, hospitalization benefits, ambulatory patient services, and mental health services. These services must be reasonably accessible to the student in the area where the student is attending school.
  • Plan provides unlimited coverage for prescriptions.
  • Plan does not limit coverage for a pre-existing condition.
  • Plan does not impose an annual lifetime limit for essential health benefits.
  • A health insurance plan that provides coverage through a closed network of providers, not reasonably accessible to the student in the area where the student attends school, for all but emergency services does not qualify for a waiver. Examples of closed networks include plans such as MassHealth Limited or the Children's Medical Security Program or the Health Safety NetKaiser Permanente Insurance and out-of-state Medicaid programs (i.e Husky Health).
Rates and Effective Dates
  Rates Effective/Expiration Dates
Annual $2750 29-Aug-2018 to 28-Aug-2019
Fall $1047 29-Aug-2018 to 14-Jan-2019
Spring/Summer $1809 1-Jan-2019 to 28-Aug-2019

 

Enrollment

Full-time students are automatically enrolled in the student health insurance with United Healthcare StudentResources. 

A change in your situation can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the "open enrollment period". Examples of Qualifying Life Event (QLE) are:

  • Losing existing health coverage, including job-based, individual, and student plans
  • Turning 26 and losing coverage through a parent’s plan
  • Getting married or divorced
  • Having a baby or adopting a child
  • A student moving to or from the place they both live and work.
  • Becoming a U.S. citizen
If you have lost coverage and would like to enroll, you can email us your request along with a letter from the insurance company showing you have lost coverage to Susan Keating

 

Eligibility for Undergraduate Students

All undergraduate students are automatically billed the student health insurance. The health insurance charge, may be canceled if proof of comparable coverage from a U.S. carrier is submitted. If you are covered by a separate policy, please complete the Health Insurance Waiver.

Eligibility for Graduate Students

Graduate students in arts and sciences and in engineering are automatically enrolled in, and billed for, the Tufts student health insurance while full-time tuition is being charged. Once degree payment is complete and tuition is no longer charged, continuing graduate students are not automatically enrolled in the plan, but may purchase coverage directly from the Health Service Business Office (recommended) or from UnitedHealthcare StudentResources while they remain within the time limit for degree completion.

Award packages for full-time Ph.D. students in the Graduate School of Arts and Sciences and for teaching and research assistants in the School of Engineering include payment of the Tufts student health insurance and the Tufts comprehensive health fee. For Graduate School of Arts and Sciences full-time Ph.D. students, individual student health insurance will be paid for the first five years of study while tuition is being billed. For both the Graduate School of Arts and Sciences and the School of Engineering, coverage applies only to the enrolled student health plan offered by the Graduate School of Arts and Sciences and School of Engineering. Tufts will neither pay nor contribute towards other plans should a student elect not to take the Tufts coverage.

Eligibility for International Students

International students are required to be covered by the student insurance plan through Tufts unless they meet the minimum requirements of plans as required by law. 

Non-Tufts Fall Study Abroad Programs

If you are doing a non-Tufts Fall Study Abroad program, you will billed for student insurance in November for the Spring semester.

If you have comparable insurance and do not need student insurance you should waive online starting in November until December 31st

Yearly Waiver for Health Insurance

The health insurance charge, may be canceled if proof of comparable coverage from a U.S. carrier is submitted. If you are covered by a separate policy, please complete the Health Insurance Waiver on your SIS account on the Bills & Balances tab. This waiver process is required every year.

Enrollment Term
Waiver Site Dates
Academic Year (Fall/Spring/Summer) June 1st - July 31st
Spring and Summer November 1st - December 31st
Getting Started
Create an Account with UnitedHealthcare StudentResources

Start here, click the Create Account link at the bottom, and fill in the blanks! (You must first be enrolled in the student insurance plan before you can set up My Account.) If you need a step by step guide, you may find it here.  Once you have an account you will be able to access your ID card, claims, EOBs, reimbursement forms, etc.

If you need further assistance you can access this "how-to" video or you can contact the Health Service Business Office at 617-627-3350.

Create Account Flyer

Download the UHCSR app

UHCSRStudents can download the app by searching UHCSR in the App StorePlay Store.  The app is free and includes their ID card, provider search, claims search, and more.    

The updates to the mobile app include a new look and feel, performance enhancements and improved login functionality.  New features include Action Center and Need Care options to help guide members to the best level of care for their situation.  

 

Electronic ID Cards

Log in to My Account and pick the ID card link to see a digital version. If you've got to have an actual card, you can request one from My Account too! You may also access your ID Card at any time via the UHCSR app. The UHCSR app will even allow you to email or fax your ID Card to your provider. App StorePlay Store

You do not need an ID card to be eligible to receive benefits. However, once you receive your ID card, present it to the provider to facilitate prompt payment of your claims. If you need medical care, please contact the Business Office or download a temporary ID card from UnitedHealthcare.

 If you prefer to have a plastic card sent to you, you can request one by calling 1-888-224-4758 or by logging into My Account and clicking on "ID Cards" and following the prompts.

Get More Information About Your Online Account and Insurance Card

UnitedHealth Allies (Health Discount Program)

If you have Student Insurance you have access to a health discount program through UnitedHealth Allies. As a UnitedHealthcare Student Resources health plan participant, you can save 10 to 50 percent on many of the "extra" health and wellness products and services that you need and want.

Use your medical plan (and vision/dental plan, if applicable) for covered services. Use the discount program to save on all this and more:

  • Prescription drugs (if applicable)
  • Annual eye exams, eyeglasses and contact lenses, even LASIK surgery
  • Dental checkups and routine treatment, cosmetic dentistry (including teeth whitening) and orthodontics
  • Sports apparel and equipment
  • Books and other media, including textbooks from publisher McGraw-Hill Professional
  • Fitness club memberships including select Anytime Fitness, Curves, Gold's Gym and Snap Fitness locations
  • Massage therapy and more

Contact UnitedHealth Allies
Website: www.sr.unitedhealthallies.com
Telephone: 1-800-860-8773
For more information you can access the
UnitedHealth Allies flyer.

Dental Insurance (Optional Insurance)

Tufts University offers a voluntary and optional dental insurance plan through Delta Dental PPO Plus Premier Plan.  You are NOT automatically enrolled or billed for the dental plan since the plan is a voluntary plan. The deadline to enroll, re-enroll or cancel is December 1, 2018. If you need to enroll outside of the enrollment period you can contact Maddy Caron at (617) 636-2700 or Madeleine.Caron@tufts.edu for more information.

Students currently participating in the plan must re-enroll for the new policy year.  Coverage will not be renewed unless a new enrollment form and payment is received. To enroll for the first time or re-enroll in The Delta Dental PPO Plus Premier Plan, complete the Enrollment Form and Payment Form and submit to EBPA by December 1, 2017.

The new policy coverage year will run January 1, 2019 – December 31, 2019. The annual individual rate is $508.68/yr.

When selecting a dentist, please make sure to select in the Delta Dental PPO network.

For more information you can access the website for the Tufts School of Medicine.

Questions? Contact Gianna Vroom at 617-636-4073 or via email or Maddy Caron at (617) 636-2700 or  Madeleine.Caron@tufts.edu

Benefits and Coverage
Benefits While Traveling Abroad

The Student Health Insurance Plan provides worldwide coverage, whether studying abroad or traveling abroad. The plan provides the same benefits as if you were on campus. In addition, through participation in the student insurance plan, each student and his or her enrolled dependents are eligible for travel assistance services. The services are provided through UnitedHealthcare Global/Global Emergency Services to access services please call: 800-527-0218 (toll-free within United States) 410-453-6330 (collect outside the United States)  Services are also accessible via e-mail.

When traveling you should make sure you have your student insurance ID card. When traveling internationally, you may be asked to pay first for your services and then seek reimbursement.

Please visit the UnitedHealthcare website to download a claim form. Forms can be used for Medical or Pharmacy claims and should be submitted within 90 days of service.  If you have any questions, please refer to your insurance guide.

Please review the Travel Abroad section for more information on immunizations.

Tufts International Safety and Operations

Tufts Travel Registry

Coverage for Spouse/Domestic Partner and Children

If you enroll in the student health plan, you can also enroll your spouse/domestic partner or child(ren) as your dependent(s) by completing a separate Dependent Enrollment Form. This card is available by contacting UnitedHealthcare.

Mental Health Benefits

If you have the Tufts student health insurance (UnitedHealthcare StudentResources, underwritten by Harvard Pilgrim Health Care), for academic year 2018-2019, the cost of care is $5/visit for an in-network provider. You can review a letter sent to providers on September 20, 2018.  For "out-of-network" providers, there is a $250 deductible. Once the deductible is met, you would be responsible for a $10/visit copay plus 15% coinsurance.  “In-network” means that provider has agreed to provide clinical services at a rate set by the insurance company, whereas “out-of-network” providers have not made this agreement. 

Please note: You must obtain a referral prior to seeing an off-campus mental health provider in order for the insurance to cover your visits. To get a referral, speak with your CMHS clinician, the front desk staff at CMHS (617-627-3360) or the business office.

Even if you are not working with one of our clinicians, we can refer you to a qualified professional.  If you have already seen the outside provider or have any other questions call the business office for more information. 

Coverage while on Medical Leave

Students who have purchased the insurance plan offered through UnitedHealthCare Student Resources for Tufts University and have met eligibility first will be able to continue on the plan while on medical leave for up to one year from the start of their medical leave. Please note that while on medical leave, a student will not be able to receive on-campus services, including Health Services and Counseling and Mental Health Services. For questions, please contact the Business Office at 617-627-3350.

Benefits while away from campus (such as vacations and holidays)

If you have student insurance and you are more than 50 miles away from campus you can

  • see an in-network provider without a referral
  • see an out-of-network provider with a $250 deductible without a referral
Prescriptions: Plan for your trip

Do you have enough medication to last through your trip? It is best to get all the refills before you travel. 

Not eligible for refills yet? If you need to refill a prescription before you go on vacation, but it's not eligible for a refill yet, ask for an exception called a vacation override to get it filled before you leave town. You can request the vacation override at the pharmacy directly or submit a request for the override at pbm@uhcsr.com.  

Exclusions and Limitations
  •  Screening exam or testing in the absence of Injury or Sickness is not covered.
  • Travel immunizations and travel medications are not covered.

  • Cosmetic procedures and cosmetic medications are not covered.

  • Weight management services, treatment of sleep disorders, biofeedback, acupuncture, and smoking cessation medications are not covered.

  • Nasal and sinus surgery is excluded except for the treatment of injury or chronic sinusitis.

Provider Network
Preferred Provider Network

The doctors and other health care providers who belong to the network covered by the UnitedHealthcare student health insurance plan are called “preferred providers.” They include general practitioners and internists, as well as specialists, hospitals and other health care facilities. Their network extends across the country, you'll find preferred providers locally as well as nationally. You can easily search the network from your school's Student Insurance page. The network search is also available from My Account and from the UHCSR app. App StorePlay Store 

Preferred providers are those doctors and facilities that have agreed to provide a negotiated discount to members of UnitedHealthcare insurance plans. This may lower your out of pocket costs for services received.

To find out whether a specific doctor belongs to UnitedHealthcare's network or to find a preferred provider in your area, use DocFind.

SMFA Students ONLY

If you are an SMFA student and have student insurance, during academic year 2017-2018 you can: 

  • Be seen by a clinician at Health Service in the Medford/Somerville campus at no charge

or

  • Visit Atrius Health in Kenmore Square with a $20 copay at the time of the visit. Labs, X-rays and other ancillary services will be covered at 85% (15% coinsurance).
Referrals to outside providers

Tufts student health insurance requires a referral on file to covers off-campus services. Referrals can be used for 1 academic year per diagnosis.

Information about referrals

Even if you are not working with one of our clinicians, and you need care from a specialist, we can help you identify a clinician.  

If you need a new referral, have already seen the outside provider or have any other questions call our business office for more information. 

Find a local specialist for a medical condition:
 
  1. Look up specialists on your insurance company’s website. The URL should be printed on your insurance card. You can search by type of specialist and by town or state.
  2. Call 617-627-3350 or come to Health Service. We have a list of local specialists our students have used. This is not an all-inclusive list but it is a good place to start.

For questions about bills or invoices received from outside providers please refer to our Billing page.


Disclaimer:

  • Referrals made by Tufts University Health and Wellness should not be considered to be recommendations.
  • Tufts University does not license, endorse, or recommend any particular provider, nor does it conduct any due diligence about the quality of the care given by any provider. 
  • Tufts University is not responsible for the professional services rendered by those healthcare or counseling professionals and is not responsible for their availability.
  • Those healthcare or counseling professionals will not refer your healthcare matter back to Tufts University Health and Wellness and will not share any personal health information with Tufts University Health and Wellness unless you make a specific written request in accordance with applicable law.
  • Tufts University urges students (i) to check with their insurance company whether the provider is covered as an “in-network provider” prior to the first appointment; and (ii) to interview the provider at the first appointment to make sure such provider is a good fit.
Reimbursement Process

Guidelines for Submitting Claims to UnitedHealthcare StudentResources  

  • Click on the "Insurance Forms" link at the end of this page. 
  • Download and complete the "Claim Information Form".
  • Clip, do not staple the bills to the claim form. The bill needs to include the diagnosis code (s), procedure code (s), date of service, and billed amount.
  • Member must include receipt of payment for reimbursement.
  • A claim form is not required for prescription claim reimbursement.
  • Member needs to submit the receipt or computer printout within 90 days of the date of service with information which includes: medicine name, date of purchase, and price.
  • Also Include your name, address, and SR ID# (7 digit number on your insurance ID card)
  • Mail claim to: UnitedHealthcare StudentResources, P. O. Box 809025, Dallas, TX 75380-9025 (This is listed on your ID card)
  • Email: A scanned copy of the claim to SI.DRG@uhcsr.com

 

Insurance Forms

Summary of Benefits 2018-2019