Health Plan FAQs

What are the dates when I can enroll in the Marian University Student Health Plan?

  • Open Enrollment begins this Thursday 7/25/19 and will close Friday 8/30/19, or your program orientation start date, whichever is later. You can enroll online through the button at the top of this page.

What is the deadline to petition to waive out of the Marian University Student Health Plan?

The waiver petition deadline is TBD or your program orientation start date, whichever is later; please see the chart below. If you have other coverage that meets school requirements, you must submit a petition for a waiver through the button at the top of this page by the deadline in the chart to have the benefit premium removed from your tuition & fees. Please remember that the coverage offered through Marian is typically less expensive and higher quality than most plans available on the open market.

Anyone who has not submitted a valid waiver petition by the deadline in the chart will be enrolled in the Marian University Student Health Plan, and it will not be possible to have the premium for this benefit removed from your tuition & fees; the charge will become permanent. So, please ensure that you submit your petition for waiver request by the waiver deadline to avoid this situation.

If I will be enrolled automatically, why should I enroll online before then?

In addition to the requirement that graduate health program student have insurance while attending classes, enrolling actively instead of passively will allow you to access your ID card sooner and will also give you time to alert any health care providers about your new benefits so that they can update your insurance plan information in their systems. You can enroll in the plan actively starting on Thursday 7/25/19 and will close Friday 8/30/19 Since coverage in the Marian University Student Health Plan starts August 1st, it is advisable to enroll as soon as you are able so that you can begin taking advantage of your benefits as soon as your plan year coverage starts.

If I will be enrolled automatically, why should I enroll online before then?

The Marian University Student Health Plan provides coverage from August 1, 2019 – July 31, 2020.

Am I required to have insurance?

All students enrolled in the Doctor of Osteopathic Medicine, Master of Biomedical Science, and Doctor of Nursing Practice academic programs are required to maintain health insurance coverage and are eligible to enroll in the Marian University Student Health Plan. You are required to enroll each year you are enrolled in your graduate academic program, so you will repeat this process next year if you have not graduated.

What coverage is being offered?

As a benefit of enrolling in one of Marian University’s graduate health sciences academic programs, you have access to high quality student health insurance offered at significantly lower rates than most employer plans, family plans, and options on the exchange. This coverage is through UnitedHealthcare Student Resources, and offers gold-level benefits with national coverage through the UnitedHealthcare Choice Plus Network.

Do I have to enroll in the Marian-sponsored plan?

If you do not petition to waive out of the student health plan with proof of other valid coverage by the waiver deadline specified in the chart, you will be automatically enrolled in the Marian University Student Health Plan.  Approval or denial of waiver petitions are ultimately at the school’s discretion. Marian University has worked to provide a plan that offers high quality health benefits to our students at costs which are typically much lower than those of other plans offered on the open market.

I have other coverage. Is it considered a “valid waiver”?

Students may petition to waive the student health insurance plan if the following criteria are met:

  • The policy is compliant with all minimum coverage requirements per U.S. healthcare reform law, the Patient Protection and Affordable Care Act (PPACA). Please contact your medical insurance carrier to confirm this.

  • The plan provides both emergency and non-emergency health care and mental health benefits within a 25-mile radius of Marian University in the Indianapolis, IN area.

  • The plan provides inpatient and outpatient mental health care (with at least 30 visits per year) and chemical dependency benefits are comparable to the coverage provided by the student medical insurance plan.

  • All students enrolled in the Doctor of Osteopathic Medicine, Master of Biomedical Science, and Doctor of Nursing Practice academic programs are required to maintain health insurance coverage and are eligible to enroll in the Marian University Student Health Plan. You are required to enroll each year you are enrolled in your graduate academic program, so you will repeat this process next year if you have not graduated.

  • The plan provides coverage for prescription medication.

  • The lifetime benefit is unlimited.

  • The claims administrator of the plan is based in the United States and has a U.S. telephone number and address for submission of claims and the insurance policy has not been issued outside the U.S. Traveler's policies do not meet the requirements of a valid waiver and will not be accepted.

Please contact your medical insurance carrier to confirm that your insurance covers non-emergency care in the Indianapolis, IN area and that you have a deductible small enough to allow you to afford your portion of the bill.

Please note that all waiver requests will be reviewed by a Student Health representative.  If the waiver submitted does not meet the waiver criteria, you will be enrolled in the student health plan. It is ultimately the responsibility of each student whose petition is granted to waive out of the Marian University Student Health Plan to ensure that their coverage meets the above requirements. Neither Marian University nor Marian University’s insurance broker Marsh & McLennan Agency assume any liability in the event that a waiver that does not meet the listed requirements gets approved.

What do I do if I need coverage between now and August 1, 2019?

You can explore short-term and limited health insurance options, as well as traveler policies, here. Please understand that these kinds of policies DO NOT fulfill the valid waiver requirement or the minimum coverage requirements of the Affordable Care Act.  These are offered as a convenience to you, but they do not satisfy the health insurance requirement of your school.

What is covered by the Marian University Student Health Plan?

You can find details about this coverage by reviewing the Benefits Brochure available at www.uhcsr.com/marian. *coming soon ; policy documents should be available at this site once open enrollment starts.

Is my doctor in-network?

You can find out by going to https://www.uhcsr.com, typing in the name of your school, and clicking on “Find Providers” in the menu bar, or you can click here. (Your school will be searchable by the time Open Enrollment starts; if you go to the site prior to the start of open enrollment, you may get an error message.) Your plan utilizes the UHC Choice Plus Network.

Can I enroll my family members in the student health plan?

If you have a spouse or children, you may enroll them in the plan by going to www.UHCSR.com and visiting the Marian University webpage. Once on the Marian page, click on “Explore Policy.” On the next page, click on “enroll now” in the lower right corner. Follow the on-screen prompts to enroll your dependents.

How do I compare policies available on the marketplace with this policy?

Other ACA-compliant plans are available; click here to explore other options. Please make sure any plan you purchase meets the waiver requirements listed above.  If you purchase a plan this way, you must still fill out the petition to waive coverage.  Please note that all waiver requests will be reviewed by a Student Health representative.  If the waiver submitted does not meet the waiver criteria, you will be enrolled in the student health plan. It is ultimately the responsibility of each student whose petition is granted to waive out of the Marian University Student Health Plan to ensure that their coverage meets the above requirements, so please review the waiver requirements above on this page to make sure any alternative plan you are considering purchasing meets all of these requirements prior to purchase.  Neither Marian University nor Marian University's insurance consultant Marsh & McLennan Agency assume any liability in the event that you purchase non-compliant coverage through this site. You can guarantee you have coverage that fulfills your school's requirements by enrolling in the Marian University Student Health Plan.

I currently have other coverage but I want to replace it with this policy. How do I do that?

Simply contact your current insurance carrier with a cancellation request noting the date your new coverage is effective. Carriers’ policies vary on how much notice is required.

How and when do I pay for this coverage?

As a benefit of attending one of Marian University’s graduate health sciences academic programs, this coverage is incorporated into your tuition & fees.  You are automatically enrolled in the student health plan unless you waive this benefit by supplying proof of comparable coverage by the waiver deadline. If your waiver petition is granted because you have other coverage that meets your school requirements, the insurance cost will be removed from your tuition & fees. If you enroll any dependents in this coverage, you will be billed for them directly.

When will I get my ID cards?

As a benefit of attending one of Marian University’s graduate health sciences academic programs, this coverage is incorporated into your tuition & fees.  You are automatically enrolled in the student health plan unless you waive this benefit by supplying proof of comparable coverage by the waiver deadline. If your waiver petition is granted because you have other coverage that meets your school requirements, the insurance cost will be removed from your tuition & fees. If you enroll any dependents in this coverage, you will be billed for them directly.

What if I have insurance that will end later in the school year, or I have a Qualifying Event like getting married, having a baby, or turning 26?

A Qualifying Event (QLE) is a special circumstance that allows you to enroll in an insurance plan outside of the normal open enrollment window. You can check your plan brochure (which will be available at www.uhcsr.com/marian once open enrollment starts) for more information on what constitutes a qualifying event. You can enroll in the student health plan later in the school year by notifying the University of your Qualifying Life Event. If you are just enrolling yourself as a student, you will need to provide documentation to the school showing your loss of coverage which, if approved, they will send on to Marsh & McLennan Agency to get you enrolled with the carrier. If you are enrolling dependents, you will need to reach out to the University to receive a QLE form. If enrolling dependents, you will pay by check when you send in the form, if just insuring yourself Marian will bill you directly. Please contact Rachel Krull at rloebker@marian.edu to start the process. If it is determined that you are eligible for coverage, Marsh & McLennan will provide your information to United HealthCare Student Resources for enrollment in the student health plan. If you are enrolling dependents, once you complete the QLE form, return it to the address provided on the form along with documentation of dependent’s coverage ending and a check with the pro-rated amount for premium that will be provided to you. The premium charged for your benefit will be pro-rated at a monthly rate according to how much of the plan year has elapsed prior to your enrollment and how many months remain until the next open enrollment window.

Are there any other insurance benefits I can take advantage of as a student?

Yes – you can enroll in discounted dental, vision, life, disability, critical illness, accident, and home, renters, & auto insurance here .

What do the terms deductiblecoinsuranceout-of-pocket limit, and copay mean?

A deductible is a dollar amount you must meet before your insurance begins to pay for covered services. After the deductible is satisfied, you pay a certain percentage of costs, or coinsurance, until you reach the out-of-pocket limit.

You must pay all of the costs up to the deductible amount before the plan begins to pay for covered services you use. After you meet the deductible, you pay a certain percentage of costs (coinsurance) up to the out-of-pocket limit. After this amount, the plan pays 100% of your medical costs. The deductible and coinsurance are often waived for certain medical services, such as office visits and prescription drugs; in these instances, you simply pay a flat dollar amount, called a copay.

More information about how these terms apply to the student health plan can be found in the Summary of Benefits and Coverage (which will be available at www.uhcsr.com/marian once open enrollment starts).

More Questions?

Contact our insurance broker at MarianStudentInsurance@MarshMMA.com