Janice Lozano
Students at Howard University are required to enrol in a comprehensive health care programme, such as UnitedHealthcare StudentResources (UHCSR), which provides protection against certain medical expenses. This insurance is supplementary and should not replace any existing health insurance. Students are free to buy alternative health insurance from providers elsewhere, as long as it meets the requirements of the State and Howard University. International students can purchase alternative insurance that meets these requirements and then apply for a waiver. Students with pre-existing insurance policies can arrange dual coverage by contacting UHCSR.
| Characteristics | Values |
|---|---|
| Is health insurance mandatory? | Yes, all students at Howard University are required to enrol in a comprehensive health care programme. |
| Can students buy health insurance from providers other than the university? | Yes, as long as it meets the State and Howard University requirements. |
| Do students need to apply for a waiver if they buy insurance elsewhere? | Yes, the university will review and approve the insurance bought elsewhere. |
| Is there a deadline for submitting the waiver? | Yes, each university has its own procedure and deadline for waiver submission. |
| Can students with pre-existing insurance policies arrange dual coverage? | Yes, by contacting UnitedHealthcare StudentResources (UHCSR). |
| Is the insurance coverage valid only at the Howard University Student Health Centre? | No, Howard University students can use their health insurance across the US. |
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What You'll Learn
- Howard University students can use their health insurance across the US
- International students must have insurance before arriving in the US
- Students with pre-existing insurance can arrange dual coverage
- Alternative insurance must meet Howard University's requirements
- Students must apply for a waiver for alternative insurance
Howard University students can use their health insurance across the US
International students, in particular, should be aware that their student health insurance is supplementary and should not replace any existing health insurance they have. Students are free to buy alternative health insurance from providers elsewhere, as long as it meets the requirements of the State and Howard University. For example, Aon offers an alternative health insurance product that meets Howard University's requirements and is, on average, $100 cheaper per month than the university's offering.
To enrol in the Aon insurance plan, students do not need to apply for a waiver, as this insurance already meets the requirements of the university. However, if students choose to buy other alternative health insurance products, they will need to apply for a waiver. The university will then review and approve the insurance, confirming that the alternative insurance is at least as good as the one they offered. It is important to note that each university has its own procedure and deadline for the submission of the waiver, so students should check with their university to ensure they submit the waiver on time.
In the United States, there is no national or public healthcare system available to all citizens. Therefore, it is imperative that students have health insurance before arriving in the country, as medical costs can be very high without it.
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International students must have insurance before arriving in the US
There are health insurance plans designed specifically for international students, such as those offered by IMG, which cover physical health, mental wellness, financial protection, crisis support, and personal property. These plans are available to students on an F-1 visa and are designed to meet J-1 and J-2 visa requirements. ISO also offers affordable insurance plans with comprehensive coverage for all US visa holders.
Students cannot register at a US university without showing proof of student health insurance. Some universities offer a plan in which all students must enrol, while others recommend or require students to buy separate coverage. Students can buy alternative health insurance as long as it meets state and university requirements and they apply for a waiver. The minimum requirements may change per state and university, and the visa category may affect the requirements that need to be met.
International students should be proactive about their health before leaving for the US, as many international student plans do not cover wellness or preventive care measures such as health check-ups, dental or vision services. Surgeries and other medical procedures will likely be more affordable in the student's home country, so it is recommended to have them done beforehand if possible.
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Students with pre-existing insurance can arrange dual coverage
All students at Howard University are required to enrol in a comprehensive health care programme, such as UnitedHealthcare StudentResources (UHCSR), which provides protection against certain medical expenses. This insurance is supplementary and should not replace any existing health insurance. Students with pre-existing insurance can arrange dual coverage by contacting UHCSR.
The Student Health Portal provides a platform for students to submit health requirements and upload supporting documentation. To access the portal, students need to use their Howard Student Bison email and password. The registration deadline for the fall semester is July 1, and for the spring semester, it is December 1.
Students are free to buy alternative health insurance from providers elsewhere, as long as it meets the requirements of the State and Howard University. Aon offers an alternative health insurance product that meets these requirements and is, on average, $100 cheaper per month than the university offering.
International students should be aware that their student health insurance is supplementary and should not replace any existing health insurance they have. They can purchase alternative insurance that meets state and university requirements and then apply for a waiver. The university will review and approve the insurance, confirming that the alternative insurance is at least as good as the one they offered.
Howard University students can use their health insurance across the US.
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Alternative insurance must meet Howard University's requirements
Students at Howard University are required to enrol in a comprehensive health care programme that provides protection against certain medical expenses. While Howard University offers its own health insurance product, students are not obliged to purchase it and can instead buy alternative health insurance from providers elsewhere, as long as it meets the State and Howard University's requirements.
The alternative insurance plan must be at least as comprehensive as the University's offering. International students, in particular, should be aware that their student health insurance is supplementary and should not replace any existing health insurance they have. The student insurance coverage is valid 24 hours a day, 12 months a year, and provides protection against certain medical expenses incurred due to accidents or sickness during the coverage period.
Students with pre-existing insurance policies can arrange dual coverage by contacting UnitedHealthcare StudentResources (UHCSR), which is the University's insurance provider. UHCSR covers services at the Student Health Centre and University Counselling Service. Students with external insurance must also be covered by UHCSR and can arrange dual coverage.
Aon offers an alternative health insurance product that meets Howard University's requirements and is accepted by around 2,300 US universities. Aon's insurance is, on average, $100 cheaper per month than the insurance offered by universities. Aon also provides a 24/7 Student Assistance Program, which includes crisis support, financial and legal advice, mediation, a living well portal, and virtual counselling.
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Students must apply for a waiver for alternative insurance
All students at Howard University are required to enrol in a comprehensive health care programme, such as UnitedHealthcare StudentResources (UHCSR), which provides protection against certain medical expenses. This insurance is supplementary and should not replace any existing health insurance. Students are free to buy alternative health insurance from providers elsewhere, as long as it meets the State and Howard University requirements.
If you buy an alternative health insurance, you need to apply for a waiver. The university will then review and approve the insurance you bought elsewhere. This means that the university will check and confirm that the alternative insurance is at least as good as the one they offered. Each university has its own procedure and deadline for the submission of the waiver. Contact your university to check the specific procedure and make sure you submit the waiver on time.
International students can purchase alternative insurance that meets state and university requirements and then apply for a waiver. Aon offers an alternative health insurance product that meets Howard University's requirements. Aon Student Insurance is affordable and easy to use, and they offer insurance certificates immediately after registration. Their customer service is also very helpful and punctual.
Students with pre-existing insurance policies can arrange dual coverage by contacting UHCSR. The Student Health Portal provides a convenient platform for students to submit their mandatory health requirements and upload supporting documentation. To access the portal, students need to use their Howard Student Bison email and password.
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Frequently asked questions
Yes, Howard University students can use their health insurance across the US. However, students with external insurance must also be covered by UnitedHealthcare StudentResources (UHCSR) and can arrange dual coverage.
The insurance covers medical expenses resulting from accidents or sickness during the coverage period. It is supplementary and should not replace any existing health insurance policies.
Yes, students can buy alternative health insurance from providers elsewhere as long as it meets the State and Howard University requirements. Aon offers an alternative health insurance product that meets these requirements.
