Student Health Insurance FAQs
Health Insurance Requirements for Domestic Graduate & Professional Students
All graduate students taking 9 credits or more per semester, all graduate assistants taking 6 credits or more, and all Law students taking 12 credits or more, must have health insurance coverage either through UNLV, or the insurance carrier of their choice. What that means is that all full time graduate and professional students will be charged for UNLV student health insurance. If you are able to provide proof that you carry alternate insurance from a non-UNLV provider, you may qualify for a waiver and the UNLV health insurance fee will be removed from your account.
The Student Health Insurance Fee for the Fall, 2015 semester is $914.78 which will provide insurance from August 16, 2015 through January 11, 2016. The Student Health Insurance Fee for graduate nursing students for the Fall, 2015 semester is $871.32 which provides insurance coverage from August 16, 2015 to January 5, 2016. The final Fall 2016 fees will be available mid-June.
The deadline for submitting a waiver for the Fall 2016 semester is October 3, 2016.
- What is Student Health Insurance?
- Student Health Insurance (SHI) is a medical insurance plan available to admitted and enrolled UNLV students. The plan offers a network of providers but gives you the option of seeking services outside the network. Individuals participating in the plan are required to pay a portion of the cost of services received. The student health insurance plan is mandatory for international students, graduate assistants, and full-time graduate and professional students. The insurance plan is optional for undergraduates and part-time graduate students.
- Where can I use it?
- SHI can be used at the Student Wellness Center for medical, mental health, laboratory and pharmacy services, and throughout the country with providers who participate in the Aetna Provider Network.
- When the UNLV Student Wellness Center is closed (weekends and holidays), where do I go?
- If you have a life-threatening emergency, you may go to any hospital emergency department. You can go to any network provider including UMC Quick Care Centers. You may also call the 24-hour Nurse Advice Line at 1-800-556-1555 or TDD at 1-800-278-2386.
- How do I find a network provider?
- You can go online to the insurance company's website at DocFind and search for a provider.
- What does it cover?
- Coverage is based on medical necessity and covers inpatient and outpatient hospital visits, mental health services, physician services, emergency and diagnostic services, treatment for alcohol and chemical dependency, maternity, ambulance and home health care.
- Do I have a deductible or co-pay?
- There are no co-pays or deductibles for services received at the Student Wellness Center. When you receive services outside of Student Wellness, you will pay an annual deductible, and there are copays for provider and emergency department visits. Prescriptions have a co-pay of $20 when used at the SHC pharmacy, and is reimbursed at 50% for medications purchased outside the SHC pharmacy. For detailed information regarding the deductible and co-payments, please refer to the 2015/2016 Aetna Student Health Insurance Guide.
- What pharmacy do I use?
- Prescriptions have a co-pay of $20 when purchased at the SHC pharmacy. If you use an outside pharmacy, you pay 50% of the costs after you have met your deductible.
- How is it different from the Student Health Fee?
- The Student Health Fee is a mandatory fee assessed to enrolled students. It is paid each semester with tuition and registration fees. This fee supports various services offered by the Student Wellness Center including: medical office visits, counseling services, education on nutrition, stress, body image, and various support groups. There is no charge for medical office visits or counseling sessions at Student Wellness. The health fee only covers services received in Student Wellness, whereas the SHI covers services received from Student Wellness and from community providers.
- Are all students eligible to enroll?
- No. Only students who have been formally admitted to a program and are taking a minimum of six undergraduate credits or three graduate credits are eligible to enroll.
- Does it have any pre-existing condition limitations?
- Are dental and vision benefits included in SHI?
- No, but there are discounts available for vision services when an Aetna vision provider is used.
- Is my family eligible for SHI?
- Yes, you may add your spouse and/or children; however, they cannot be seen at the Student Wellness Center.
- What does it cost?
- For full cost information, please download the Aetna Student Health Insurance guide. There is the option to pay by semester. The premium is higher if you wish to add your spouse and/or children.
- Can I sign up any time?
- The Student Health Insurance has two open enrollment periods. Enrollment for the entire school year or for the Fall semester only occurs during the first six weeks of the fall semester. Enrollment for the Spring only or Spring and Summer sessions occurs during the first six weeks of the spring semester. However, whenever you are terminated from another insurance policy, you can join the health insurance any time within 30 days of the termination of your policy. This will prevent any loss in insurance coverage.
- How do I sign up?
- You can sign up directly from the website for Aetna for the plan year beginning in August, or you can call the plan broker, Wells Fargo Insurance Services directly at 800-853-5899, Monday through Friday, 8:30 a.m. to 5 p.m. (Pacific Time).