Welcome to the Health Care 101 Center! We understand the busy schedule of both parents and kids, no matter what the age. With that in mind, here’s a no-frills, easy-access guide to health insurance benefits.
Insurance 101 is not meant to address your policy specifically (each one of these has its own list of exclusions and limitations). However, this is a generic overview of health insurance types and terminology. If you have a specific question about your policy please give us a call at 1-800-505-4160.
Trying to determine if you should purchase the health insurance plan? Download our tools below for a few tips
Welcome to the Find a Doctor, Hospital, or Lab Center! Whether you’re looking for a doctor, hospital, laboratory, or even medical equipment and supplies, we have the information you need, all located right here.
Preferred Providers are the physicians, hospitals, and other health care providers who have contracted to provide specific medical care at negotiated prices. You should always confirm the Preferred Provider is part of the network, as this can change without notice by calling the Company at 800-505-4160 and/or by asking the provider.
The Preferred Provider for your plan is UnitedHealthcare Choice Plus PPO. If care is received from a Preferred Provider, any Covered Medical Expenses will be paid at the Preferred Provider level of benefits. Reduced or lower benefits will be provided when an Out-of-Network provider is used. By using a Preferred Provider you can also save yourself some out of pocket expenses. Use this link to search for participating physicians, hospitals, facilities, medical equipment, or supplies in your local area.
We recognize the increased need for appropriate mental health treatment for college students. We’ve partnered with United Behavioral Health (UBH) to ensure that you have access to UBH’s network of mental health care providers and facilities. UBH partners with more than 80,000 clinicians and more than 3,500 care facilities nationwide. Clinical excellence, innovation, and a relentless commitment to the most scientifically advanced health care solutions distinguish UBH as the national leader in behavioral health. To find a local Behavioral Health provider in your area, please click the link below:
To file an appeal, please include the following information:
A letter requesting an appeal to your claim(s), including your:
Name,
Address,
Phone number,
UnitedHealthcare Student ID number,
Date of service for your injury/sickness,
Claim number(s) (located on the top of your Explanation of Benefits), and
Email address.
A copy of your Explanation of Benefits for the claim(s) in question.
Medical Records including all test results from all providers visited for the specific injury/sickness that you are appealing.
Once we receive the documentation, your appeal will be reviewed and a written response will be mailed to you. The response will include what the findings were, if the appeal was approved or denied, and the reason for the final decision.
If you have a question about your claim denial, you may call our Customer Service Department at telephone number 1-800-505-4160 for further explanation to informally resolve your appeal. If you are not satisfied with our explanation of why the claim was denied, you or your authorized representative may request an internal review of the claim denial. (For more information about an authorized representative, please click on “forms” on the left.)
It’s easy! Just download the claim form below. Fill out the first page with your personal information, dates of injury or sickness, the cause of the injury or date of first symptoms for a sickness, sign your name with today’s date, and attach all receipts. Please fill out the entire first page and be sure not to leave anything blank.
Your doctor will need to fill out the second page of the form.
Mail Claim Forms to:
FIRSTSTUDENT
P.O. Box 809025
Dallas, TX 75380-9025
Your Doctor can also submit a claim electronically using Emedeon (formerly WebMD). This gives a faster turn-around time than submitting a claim by mail. Check with your doctor to see if they are a participant. If they are, show them your ID Card. The Emedeon information is printed on the back of every ID Card.
If you have any problems filling-out these forms or would like to talk to a customer service representative, you can call us toll free at: 1-800-505-4160 or
Welcome to the Student & Dependent Enrollment Center! Here you will find all the necessary tools to enroll in your school sponsored policy.
We suggest you review the brochure for your rates, effective dates and optional coverages before starting the enrollment process. The plan’s benefits can be found in the brochure within the Schedule of Benefits section with the exclusions towards the back.
Full-time students registered for and taking 12 or more credit hours
Are automatically enrolled in this insurance plan at registration, unless proof of comparable coverage is furnished. You can also enroll yourself now by clicking “Enroll Now” below to avoid receiving future reminders and begin using your plan.
Hard Waiver Student Enrollment Instructions
Enrollment Deadlines
Annual Enrollment Deadline: 8/30/15
Spring/Summer Enrollment Deadline: 2/26/16
If you have missed the hard waiver enrollment deadline, but have not previously waived out of the insurance, you will be automatically enrolled in the insurance by your school, after the waiver deadline.
If you have previously waived out of the insurance but have since lost coverage due to a Qualifying Life Event please contact: Riggs, Counselman, Michaels & Downes, Inc. (800) 346-4075.
Please note: If you do not enroll for the year during the fall open enrollment period, you will not be able to enroll later during the 2016-2017 school year without experiencing a “Qualifying Life Event”. This means that the loss of coverage is no fault of your own or the policyholders (i.e. you get married or become too old to be on a family plan). You will be eligible to enroll within thirty days of this “Qualifying Life Event”. After thirty days, you will no longer be eligible.
Dependents Enrollment Instructions
Insured Students may also enroll their eligible dependents. Please see instructions below:
To enroll by mail-download an enrollment form and submit by mail using a check or money order. The mailing address is listed on the back of the Enrollment Forms.
The effective date of your dependent’s coverage will be start date of the coverage period you enrolled in.
If you did not enroll your dependent during the annual open enrollment period but your dependent has since lost coverage due to a Qualifying Life Event please contact: Riggs, Counselman, Michaels & Downes, Inc. at (800) 346-4075
Open Enrollment Period
Open Enrollment Periods for all Dependents and Students: If you have eligible dependents in the Fall or are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Fall Enrollment Deadline of *August 30, 2015, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event” during the year.
*For new dependents or new or renewing students in the Spring semester, your open enrollment deadline is February 26, 2016.
Qualifying Life Event
Students who did not enroll themselves or their dependent(s) during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event. Qualifying Life Events include:
Acquiring a new family member
Marriage/Civil Union
Divorce
Loss or change of Job
Expiration of Benefits
If you and/or your dependents meet the requirements for a Qualifying Life Event, you will need to provide the following:
Proof of qualifying life event/proof of involuntary loss of coverage
Enrollment Form
Payment
All documents and payment must be received within 30 days of the qualifying life event.After 30 days, the student or dependents will no longer be eligible to enroll in the plan, until fall of the following school year. Please Contact Riggs, Counselman, Michaels & Downes, Inc. (800) 346-4075 for cost and enrollment information as a Qualifying Life Event.
If you have any questions about the enrollment process, please call 800-505-4160 or CONTACT US
Included with most student health insurance policy is the UnitedHealth Allies discount card. To see if Student Health Allies is included with your plan, please review your brochure or check your permanent ID card. We’re confident that the UnitedHealth Allies program can help you stretch your health care dollar on:
Dental Care
Save from 10% to 35% on a range of dental services including routine cleaning, x-rays, even cosmetic dentistry, such as teeth whitening.
Vision Care
Pay no more than $40 for an annual eye exam, and save 10% to 20% on eyeglasses from participating eye care professionals and retail vision chains and fittings for contact lenses (not included in annual eye exams).
Wellness products and services
Be healthier and save money with discounts of 10% to 50% on weight management, fitness memberships and equipment, relaxation resources, natural products, and vitamins and supplements. For a complete UnitedHealth Allies brochure on Dental Care, Vision Care, and Wellness Products and Services please click on the link below:
UnitedHealth Allies is not insurance. UnitedHealth Allies provides discounts at certain health care providers for medical services. UnitedHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services, but will receive a discount from those healthcare providers who have contracted with the discount plan organization.
Welcome to the Customer Service Center! We are excited to assist you with any and all questions you may have regarding your policy.
On the left hand side we have provided you with a number of links and downloads for immediate access to any questions you may have regarding your school’s student insurance plan.
If you don’t see what you are looking for, or would like to speak to a live representative, it will be our pleasure to assist you.
Call Us
For questions regarding:
Benefits
Claims
Change of address
Requesting a new ID card
My Account assistance
General Policy Information
Please call 1-800-505-4160 to speak to a live customer service representative, toll free, 7 am – 7 pm CST.
If you are a student and would like to check on the status of a claim that you or a provider submitted to UnitedHealthcare, you will need to set up a My Account if you have not already done so.
Please visit our My Account center to log in to an existing account or to create a new one.
Welcome to the NurseLine / Student Assistance Center! Your comprehensive NurseLine / Student Assistance benefit supports you and your eligible dependents with a wide range of issues—all at no cost to you. Our experts can offer trusted advice 24/7 and assist with balancing school and personal responsibilities. We look forward to serving you!
Health questions and issues can come up anytime. With NurseLine you and your family have unlimited access to a Registered Nurse day or night. You can rest easy knowing there’s somewhere to turn for trusted advice when you need it most.
A Registered Nurse can help guide you to the right care at the right time, self-care measures to ease symptoms and treat non-urgent conditions, and dependable information about diseases and medications. NurseLine can help you take charge of your health.
Offer self-care information for non-urgent health issues.
Direct you to the appropriate care for immediate attention.
Explain health conditions and treatments.
Answer questions about symptoms or medications.
Recommend how to treat a fever in the middle of the night.
Tell you if your symptoms mean you have the flu.
Advise how to ease common problems like a sore shoulder.
Inform you of side effects of your medications.
NurseLine is the perfect resource for when you can’t reach your doctor and need immediate answers to your health questions.
Call anytime 24/7 1-866-799-2670.
Student Assistance Program
College life is exciting but it can also be stressful if you are balancing class with personal responsibilities. In addition, you may be facing more serious issues like family matters, depression, or substance abuse that you can’t handle by yourself. Don’t let problems keep you from enjoying college and preparing for the future. Get the help you need today!
Health Advocate will provide you with the right tools to help you through some of life’s toughest challenges. Students can call Health Advocate’s toll-free number for confidential, short-term professional assistance, focusing on coping skills for a full range of emotional, family, and other personal issues.
A Licensed Professional Counselor will…
Provide confidential, short-term, telephonic counseling.
Offer referrals for long-term counseling or specialized care, as needed.
Address stress, depression, family issues, substance abuse and more.
Provide assistance with budgeting and other financial concerns.
Research child care and eldercare resources.
Be available via telephone 24/7 in a crisis.
Call anytime 24/7 1-866-799-2670.
REMEMBER: Call 911 or go to the ER in an emergency.
Create your My Account: You will be able to create your My Account 24-48 hours after your initial purchase of coverage.Be sure to use the email address you used to purchase coverage.
Forgot Username/Password:If you have forgotten your username or password, we’re happy to remind you. Follow the link and enter the information requested. If a match is found, you will be emailed the information to the email address you provided when setting up your account.
My Account Mobile: UnitedHealthcare Student Resources and First Student are proud to announce you can now launch our My Account site from our mobile version! The new site puts students’ critical student insurance coverage information in the palm of their hands. On the run, no problem. You can now check the status of a claim, locate a provider or pharmacy nearby and even access your I.D. card at your convenience.The mobile site can be accessed on the iPhone 3 and 4, HTC, Samsung and Motorola Droid phones and the Blackberry v6.0. Supported browsers are Firefox, Chrome and Opera Mini. Of course, users of non-supported mobile devices and browsers can access the full My Account site at www.firststudent.com.
