University of Delaware
STUDENT HEALTH INSURANCE PLAN

2024-2025 Academic Year

Dear Students and Parents/Guardians:

University of Delaware (UD) has partnered with Highmark and University Health Plans (UHP) to provide health insurance coverage for our students. Expenses for medical and behavioral health services beyond those provided on campus, including referrals by the campus services, are the personal responsibility of the student. Such expenses can affect a student’s ability to continue their education. 

UD requires all full-time domestic undergraduate students (12+ Credits), international students on an F1, F2, J1 or J2 visa, contracted graduate students, and full-time domestic graduate students (9+ Credits) to maintain comprehensive health insurance that meets the UD Health Insurance Requirements. To ensure compliance, all eligible students are charged for the UD Plan on their student bill. Each academic year students are encouraged to confirm their enrollment in the UD Plan by completing the enrollment form located in the left-hand side navigation menu upon receipt of their fall bill. If the student wishes to not be enrolled in the plan, the student should complete the waiver form located in the left-hand side navigation menu by the deadline date, noted below. If no action is taken by the deadline date, then the student is enrolled in the UD Plan and required to pay the UD Plan premium.

Cost and Coverage Periods

	Fall Coverage	Spring Coverage
Coverage Dates	8/15/2024-1/31/2025	2/1/2025-8/14/2025
Insurance Cost	$1,428.46	$1,658.76
Waiver Deadline	September 15, 2024*	February 28, 2025

*The deadline to waive was on September 15, 2024. If you have an active comparable insurance plan, meeting all insurance requirements, you must complete a waiver appeal form by October 22, 2024. All students who do not take action to waive by the waiver appeal deadline will remain enrolled and responsible for the premium.

Plan Highlights

The 2024-2025 UD Plan is insured by Highmark, complies with the Affordable Care Act benefit requirements, and includes access to Highmark's national PPO network of providers. Students do not have to select a primary care provider and referrals are not required. The UD Plan provides substantial benefits for covered medical services at a reasonable cost. Benefit Information is available in the left-hand side navigation menu.

Waiver Process

Before waiving compare the cost, coverage, and benefits of the UD Plan to your existing plan. Please consider the following UD Health Insurance Requirements:

• The plan must provide access to doctors, specialists, behavioral health care providers, hospitals, labs, and pharmacies in the UD campus area.
• The plan must be a comprehensive health insurance plan that is filed and approved in the United States and compliant with the Affordable Care Act benefit requirements. Travel insurance and short-term limited duration plans are not accepted.
• Out-of-state Medicaid (except NJ, PA, and MD) and many out-of-state HMO or EPO plans do not provide comprehensive out-of-area coverage. Urgent and/or emergency-only coverage does not meet the UD Health Insurance Requirements.
• Click Here for additional information on the UD Health Insurance Requirements

The online waiver form is available in the left-hand side navigation menu. If you do not submit a waiver form by the waiver deadline date above, you will be enrolled in UD Plan and responsible for the premium. A late waiver will not be accepted after the deadline. If you are enrolled in the fall, then you may apply for a spring termination to be removed from coverage as of February 1, 2025, by completing the Spring Termination Request Form by the deadline of January 31, 2025.

Annual waivers completed in Fall 2024 are valid through August 14, 2025. You do not need to reapply in Spring 2025. A credit will automatically be applied to your Spring bill.

International Students

All UD international students are required to be insured with a health insurance plan that is filed and approved in the United States, complies with the Affordable Care Act benefit requirements, and includes at least $50,000 in coverage for medical evacuation and repatriation. Please note, health insurance plans marketed solely to international students are often not filed and approved in the United States, have limited benefits, provider networks and/or coverage periods that do not comply with the UD Health Insurance Requirements. Insurance companies that do not meet the UD Health Insurance Requirements include but are not limited to GBG Insurance, HDL Global Specialty, ISO, PGH (United), PSI, Student Medicover, and Tata AIG.

All UD international students in the United States are required to accept enrollment in the UD Plan with minimal exceptions. In general, the only plans that meet the UD Health Insurance Requirements for international students are Embassy-Sponsored Plans, US Employer-Sponsored Plans, or US Health Insurance Marketplace Plans.

International students should complete the enrollment form in the left-hand side navigation menu to confirm their US address and activate coverage. Students charged for the UD Plan that do not complete an enrollment form will not be enrolled until after the enrollment deadline date on September 15, 2024.

If you are covered by an Embassy-Sponsored Plan, US Employer-Sponsored Plan or US Health Insurance Marketplace Plan please complete the waiver form located on the left hand side of the page. Proof of insurance will be required. All international student waiver requests will be verified and comparable coverage will be confirmed before being approved for a waiver. International student waivers submitted that do not meet UD Insurance Requirements will be denied.

Enrollment Process

Although students are automatically charged for the SHIP, students will not be automatically enrolled until after the deadline. Students needing coverage should submit the enrollment form located in the left-hand side navigation menu as soon as possible to avoid delays in accessing their health insurance benefits. To activate coverage on the UD Plan for coverage effective August 15, 2024 you need to complete the online enrollment form. Students charged for the UD Plan that do not complete an enrollment form will not be automatically enrolled until after the enrollment deadline and coverage will be retroactive back to the plan start date.

Plan Eligibility:

• Domestic undergraduate students registered for 12+ credits
• Contracted graduate students
• Non-contracted domestic graduate students registered for 9+ credits
• International Students on an F1, J1 or J2 Visa, including part-time

Please note that online only degree programs, part-time students and non-contracted sustaining students are not eligible for this plan.

Students MUST maintain eligibility for the UD Plan to remain enrolled for Spring 2025 coverage. Students that drop credits below the full-time level in the Spring semester may no longer be considered eligible and will be removed from the UD Plan as of January 31, 2025. Students not returning to UD for the Spring semester will not be eligible to continue enrollment and will be removed from the UD Plan as of January 31, 2025.

Students who are matriculated and eligible in the immediately preceding semester but no longer meet the UD Plan eligibility must email University Health Plans at info@univhealthplans.com to find out if they are eligible to continue their benefits. A one semester exception may be available to students who are still matriculating but in their final semester. 

Students who enroll in the UD Plan may also purchase coverage for their eligible dependents by submitting the Dependent Enrollment Form. Dependent coverage will terminate when the student’s coverage terminates or when the paid premium coverage period terminates. Payment must be made in full by credit card at the time of enrollment.

Postdoctoral Fellows

Eligible Postdoctoral Fellows (Post Docs) voluntarily purchase coverage for themselves and their eligible dependents. The annual enrollment deadline date is September 15, 2024. Spring enrollment is available to Post Docs beginning at UD in the Spring semester. The spring enrollment deadline is on February 28, 2025. Payment must be made in full by credit card at the time of enrollment. The Post Doc enrollment form is available in the left-hand side navigation menu.

Dental Plan

The United Concordia PPO Plan is offered for the 2024-2025 Policy Year. The enrollment form, premium information, coverage periods, deadlines, complete description of benefits, and participating provider search can be found by selecting "Voluntary Dental Plan,” in the left-hand side navigation menu. Enrollment in this plan is open to all matriculated students, postdoctoral fellows, and their eligible dependents. The dental plan enrollment is voluntary and not based on enrollment in the Student Health Insurance Plan.

Vision Plan

The VSP Vision Plan is offered for the 2024-2025 Policy Year. The enrollment form, premium information, coverage periods, deadlines, complete description of benefits, and participating provider search can be found by selecting "Voluntary Vision Plan" in the left-hand side navigation menu. Enrollment in this plan is open to all matriculated students, postdoctoral fellows, and their eligible dependents. The vision plan enrollment is completely voluntary and not based on enrollment into the Student Health Insurance Plan.

University Health Plans Contact Information

Questions about any of these insurance plans should be directed to University Health Plans at info@univhealthplans.com or 833-251-1127.

Sincerely,
The Office of Risk Management - email: riskmanagement@udel.edu 
University of Delaware