Student Health Services

Frequently Asked Student Insurance Plan Questions

1. Why do I need health insurance?
2. Will I be charged for Student Health Insurance?
3. How much does the Student Health Insurance Plan cost?
4. Why is the spring premium higher than the fall premium?
5. Do I need to complete any enrollment forms to be enrolled in the Student Health Plan?
6. What is meant by a "hard waiver"?
7. What if I am already covered by health insurance and the fee for the Student Health Insurance Plan is added to my tuition fees?
8. What are MUSC’s requirements for alternate insurance coverage that would qualify for a waiver?
9. What are the requirements for International Students?
10. How do I submit a waiver?
11. How will I know when the insurance charge is removed from my account?
12. My program is located off campus in another city or state. Will I still be able to use the Student Health Insurance Plan?
13. May I add my dependents to my Student Health Insurance Plan?
14. Can I enroll myself or my dependents after the open enrollment period ends?
15. Can I waive out of the MUSC Student Health Insurance Plan after the waiver period has closed?
16. What is open enrollment and what are the dates for open enrollment?
17. Are premiums prorated if enrollment is outside of the open enrollment period?
18. When will I get my insurance card?
19. Will the Student Health Insurance Plan cover me if I go to any doctor?
20. Am I still covered by the Student Health Insurance Plan if I am not enrolled for any classes during the summer?
21. If I am not enrolled for any classes during the summer, why do I still have to pay for insurance during those months?
22. Does my insurance coverage end on the day I graduate?
23. Where can I find a list of doctors and hospitals who are in-network providers?
24. Does the Student Health Insurance Plan cover dental?
25. Does the Student Health Insurance Plan cover vision?
26. Does the Student Health Insurance Plan cover other wellness and preventive services?
27. Are there exclusions in the insurance plan?
28. Definitions of insurance terms

1. Why do I need health insurance?

  1.  It is the law. (For more information, please visit the Internal Revenue Service website at http://www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision)
  2. It is required by all MUSC students who are enrolled in 6 or more credit hours. The six college deans, recognizing the potential impact of healthcare debt and/or disability on a student’s career if the student becomes seriously ill or injured, made insurance a condition of enrollment.

2. Will I be charged for Student Health Insurance?

Yes. MUSC has a hard waiver requirement. Each semester the insurance charge is added to the accounts of all eligible MUSC students. However, if an eligible student has creditable insurance coverage, he/she can complete the online waiver process before the deadline (each semester). Once your waiver information is verified and approved, the insurance charge will be reversed.

Important: A completed, verified and approved WAIVER is required each semester for students who do not wish to participate in the MUSC Student Health Insurance Plan. Upon completion of the waiver form, a student will automatically receive an email notifying him/her of a pending waiver.

There are three possible email responses:

  1. Pending e-mail – the student’s insurance information is being reviewed. A follow-up e-mail will be sent within a few days. The student should print this e-mail and save it with his/her records.
  2. Approval e-mail – the waiver was approved. The student should print this e-mail and save it with his/her records.
  3. Denial e-mail – your waiver was declined. The student should respond according to the directions in the email and make any required changes in order to have their waiver reviewed again for approval.

3. How much does the Student Health Plan cost?

The rates vary slightly year to year. For rate schedules, please use this link. Rates are listed in the insurance plan summary.

4. Why is the spring premium higher than the fall premium?

The fall premium covers August 20 – January 1 or 135 days (37% of the year). The spring premium covers January 2 – August 19 or 229 days (63% of the year).

5. Do I need to complete any enrollment forms to enroll in the Student Health Plan?

Even though automatically enrolled, the student is encouraged to enroll him/herself. This allows the student to navigate the website as well as print copies of his/her insurance card. Communications regarding claims and other issues are also available.

6. What is meant by a "hard waiver"?

A hard waiver program is one where students must be enrolled in an external verified/approved health insurance plan or in the Student Health Insurance Plan. Each semester, students are automatically enrolled in the Student Health Insurance Plan but have the option of submitting a request for a waiver.

7. What if I am already covered by health insurance and the fee for the Student Health Insurance Plan is added to my tuition fees?

During the enrollment/waiver period, students who have adequate health insurance coverage through a parent, spouse, or an individual plan, have the option to waive out of the health insurance requirement by showing evidence of enrollment in a comparable health insurance plan.

If the student does not waive out of the sponsored plan by the deadline date each semester, he/she will be automatically enrolled in the MUSC Student Health Insurance Plan and billed through Student Accounting.

If it is during the enrollment/waiver period, please use this link to waive out or enroll in the MUSC Student Health Insurance Plan.

8. What are MUSC’s requirements for alternate insurance coverage that would qualify for a waiver?

Alternate health insurance plans are reviewed to determine if a plan is comparable to MUSC’s Student Health Insurance Plan. MUSC has identified the following criteria are to be applied in making this determination:

  • Coverage must be effective on or before January 1 (spring) or May 14 (new summer students only) or August 18 (fall) and extend through the semester including breaks and holidays
  • Coverage must allow the insured student to receive services in South Carolina (note – these are requirements for all plans according to the Patient Protection Affordable Care Act):
    • Ambulatory patient services
    • emergency services
    • hospitalization
    • maternity and newborn care
    • mental health and substance use disorder services including behavioral health treatment
    • prescription drugs
    • rehabilitative and habilitative services and devices
    • laboratory services
    • preventive and wellness services
    • chronic disease management
    • pediatric services including oral and vision care
  • Coverage amount of $100,000 per policy year per illness/accident/injury
  • Coverage amount of US $500,000 or greater aggregate per lifetime
  • No pre-existing condition limitation
  • A combined benefit of US $50,000 for medical evacuation and repatriation of remains (for international students)
  • A deductible equal to or less than $1,000
  • An out-of-pocket maximum of $6,350 or less

9. What are the requirements for International Students?

In addition to the coverage requirements listed for all students (see #8 above), international students must have insurance that meets the following requirements:

For J-1 exchange visitors and their J-2 dependents, the U.S. Department of State regulations require that the health insurance plan must also meet one or more of the following criteria:

  • Part of a group benefits program offered to enrolled students by a designated sponsor, or
  • A health maintenance organization (HMO) that is federally-qualified as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or
  • A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or
  • Underwritten by an insurance company that has an AM Best Company rating of "A-" or above, an Insurance Solvency International, LTD. (ISI) rating of "A-" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above.

The University-sponsored Student Health Insurance Plan through AIG meets all additional insurance requirements for international students and dependents.

10. How do I submit a waiver?

Waivers can only be processed online and only during the specified dates.

You will need the following information to complete the waiver:

  • Name of the insurance company
  • Policy / Member ID number
  • Group number
  • Policy holder’s name (main person’s name owning the plan)
  • Policy holder’s zip code (the billing address zip code)
  • Address of the insurance company
  • Customer service telephone number

If it is during the enrollment/waiver period, please use this link to waive out or enroll in the MUSC Student Health Insurance Plan.

11. How will I know when the insurance charge is removed from my account?

The initial charge for the insurance will not appear on your bill if your waiver is approved prior to the end of the waiver period. However, if your waiver* is not approved until after bills have been generated, you will need to forward the approval email to Student Health Insurance at studenthealthins@musc.edu. It will take approximately 7-10 business days for the charge to be reversed. (*Note: the request for a waiver must be submitted prior to the end of the waiver period, see the plan brochure or Waiver website for these deadline dates.)

12. My program is located off campus in another city or state. Will I still be able to use the Student Health Insurance Plan?

If your program is located off campus, you will be able to enroll and use the insurance.

Deductibles and co-pays will apply to visits. You will be able to use your insurance card as a pharmacy card for prescriptions, subject to deductibles and co-pays. Referrals are not required for treatment if you are more than 30 miles from MUSC Student Health Services.

You can find the above information on the MUSC Student Insurance Plan website http://www.studentinsurance.com/Schools/SC/MUSC/, Benefits (Plan Summary)

13. Can I add my dependents to my Student Health Insurance Plan?

Students enrolling in the Student Health Insurance Plan can enroll eligible dependents during an Open Enrollment period for an additional premium payment. Payment cannot be made through your MUSC billing account. You can add dependents while completing an online enrollment or if you have already enrolled, you can add dependents through your online account up to the last day of Open Enrollment. For more information, contact the Student Health Insurance Plan at 1-888-622-6001 or mailto: musc@studentinsurance.com

14. Can I enroll myself or my dependents after the open enrollment period ends?

There are some circumstances when individuals can enroll or add dependents in the plan after open enrollment period has ended. These are considered “Qualifying Events” and include the following:

  1. Adding a newborn (must be enrolled within 31 days of birth)
  2. Adding a newly adopted child (must be enrolled within 31 days of formal adoption)
  3. Marriage (must enroll within 31 days of marriage date)
  4. International dependent arriving after Open Enrollment must enroll within 31 days of arrival in the U.S. (must have copy of passport showing date of arrival in U.S.)
  5. Within the first 31 days of losing coverage under other Creditable Coverage, e-mail qualifier@studentinsurance.com with attached documentation. Payment of premium for dependent(s) must be made at the time of enrollment. Please email Premium2@aig.com, for review of a Qualifying Event and premium payment.

15. May I waive out of the MUSC Student Health Insurance Plan after the waiver period has closed?

No. You will be able to submit a waiver for the next semester when the waiver period opens for that semester.

16. What is Open Enrollment and what are the dates for Open Enrollment?

Open enrollment is the period during which any eligible student can enroll him/herself and family members in the Student Health Insurance Plan. This is the only time when a spouse and/or dependent children may be added to the plan outside of a qualifying event (see Question 13). Open enrollment occurs approximately 1 month prior to and 1 month after the start of the semester. The waiver period is more restrictive and is limited to 30 – 45 days prior to the start of the semester (Example: If the semester begins on January 2, the waiver period will be approximately November 18 – December 2. This is an example only. The dates of the waiver period change each semester.

17. Are premiums prorated if enrollment is outside of the open enrollment period?

Premiums are prorated for qualifying events only.

18. When will I get my insurance card?

After an account has been established, students can print insurance cards from their online account at the website http://www.studentinsurance.com/Schools/SC/MUSC/?CollegeID=94.

19. Will the Student Health Insurance Plan cover me if I go to any doctor?

Students covered by the Student Health Insurance Plan should use MUSC Student Health Services as their primary care facility.

To use the insurance outside of MUSC SHS, the student is required to

  1. Have a referral by an MUSC SHS provider to another doctor or facility
  2. Experience a medical emergency
  3. Be located more than 30 miles from MUSC SHS and require immediate medical attention

Deductibles and co-pays apply for any visits outside of MUSC SHS. If a student requires emergency medical treatment, there is a $500 excess benefit (called A&I coverage) that can be accessed to help cover the costs of the emergency visit only. In the event that emergency medical care is received outside of MUSC SHS, please contact the Student Health Services (843-792-3664) the next business day for information on accessing this benefit. The insurance company determines covered benefit. If you have an emergency visit and are referred to another provider by the emergency room or urgent-care physician, before you see that provider, please contact the Student Insurance Office for a referral or to see if follow-up care can be provided at MUSC SHS.

20. Am I still covered by the Student Health Insurance Plan if I am not enrolled for any classes during the summer?

Yes. Students enrolled in the Student Health Insurance Plan for spring semester are covered January 2 – August 19.

21. If I am not enrolled for any classes during the summer, why do I still have to pay for insurance during those months?

Students can suffer an illness or injury in the summer the same as they could in the fall or spring and would need insurance coverage to cover the costs. Many students travel during the summer and the Student Health Insurance Plan includes benefits for international travel.

22. Does my insurance coverage end on the day I graduate?

No. If you pay for spring/summer coverage, you are covered until August 19, 2014 even if you graduate in May. If you pay for fall coverage, you are covered until January 2. However, graduated students are no longer eligible to seek care at Student Health Services and are directed to seek care from in-network providers.

23. Where can I find a list of doctors and hospitals who are in-network providers?

Go to the Student Health Insurance Plan website. http://www.studentinsurance.com/Schools/SC/MUSC/?CollegeID=94
Using the Navigation bar, click ‘Find your Doctor/Hospital and click on the appropriate line for in SC or outside SC.

Deductibles and co-pays will apply to visits. You will be able to use your insurance card as a pharmacy card for prescriptions, subject to deductibles and co-pays. Referrals are not required for treatment if you are more than 30 miles from MUSC Student Health Services. You can find the above information on the MUSC Student Insurance Plan website http://www.studentinsurance.com/Schools/SC/MUSC/

24. Does the Student Health Insurance Plan cover dental?

Yes. For coverage, please refer to the plan brochure available at http://www.studentinsurance.com/Schools/SC/MUSC/?CollegeID=94

25. Does the Student Health Insurance Plan cover vision?

Yes. For coverage, please refer to the plan brochure available at http://www.studentinsurance.com/Schools/SC/MUSC/?CollegeID=94

26. Does the Student Health Insurance Plan cover other wellness and preventive services?

Yes. For coverage, please refer to the plan brochure available at http://www.studentinsurance.com/Schools/SC/MUSC/?CollegeID=94

27. Are there exclusions in the insurance plan?

Yes. For coverage, please refer to the plan brochure available at http://www.studentinsurance.com/Schools/SC/MUSC/?CollegeID=94

28. Definitions of insurance terms

Please refer to the plan brochure available at http://www.studentinsurance.com/Schools/SC/MUSC/?CollegeID=94



  
  

 
 
 

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