Texas State University: Student Health Insurance Options

Texas State University offers a Student Health Insurance Plan for all domestic students who are currently enrolled. The insurance carrier for the 2024-2025 Plan year is Aetna, chosen based on the benefit needs of students, provider access, and costs. The Student Health Center Clinic is in-network with several providers, including Aetna, Blue Cross Blue Shield, Cigna, Humana, Magellan Behavioral Health, and United Healthcare. The University also provides separate insurance plans for international students on F-1 and J-1 visas, requiring them to have continuous health insurance coverage from enrollment to degree completion.

Domestic student health insurance plan

Domestic students at Texas State University can enrol in the Student Health Insurance Plan. The insurance carrier for the 2024-2025 plan year is Aetna, chosen based on the benefit needs of students, provider access, and costs. The plan is open for Fall, Spring, and Summer Health Insurance Coverage. To be eligible to purchase the Student Health Insurance Plan coverage, domestic graduate students must be enrolled in 6 or more hours (3 or more for Summer), with at least 50% of classes being face-to-face. Domestic undergraduate students must be enrolled in 9 or more hours (3 or more for Summer), again with at least 50% face-to-face. Students in their last semester who fall below this threshold but were enrolled in the Student Health Insurance Plan the previous semester are also eligible to enrol.

The Student Health Center accepts a variety of health insurance plans and is in-network with the following providers: Aetna (PPO and Managed Choice only), Blue Cross Blue Shield (PPO/POS, HealthSelect), Cigna (PPO, Open Access Plus, and Local Plus Network), Humana (PPO, some POS, some EPO), Magellan Behavioral Health, Texas State Student Health Insurance Plan - Aetna/AHP, and United Healthcare (Choice, Choice Plus). The Student Health Center does not accept any HMO products or government programs (Medicare or Medicaid).

The Student Health Center charges for services such as office visits, labs, x-rays, procedures, immunizations, and other services. Payment is required at the time of service unless other arrangements have been made. Texas State students can set up a payment plan or have their balance transferred to their student account if they are unable to pay at the time of service. Self-pay students are offered prompt pay discounted prices to keep healthcare costs affordable.

International student health insurance plan

Texas State University offers a Student Health Insurance Plan for all domestic students who are currently enrolled. The Texas State University Student Health Insurance Plan carrier for the 2024-2025 Plan year is Aetna. This decision was based on the benefit needs of students, provider access, and costs.

Enrollment for the Spring and Summer is open from October 17, 2024, until February 1, 2025. Domestic Graduate students must be enrolled in 6 or more hours (3 or more for Summer), with at least 50% face-to-face teaching, to be eligible to purchase the Student Health Insurance Plan coverage. Domestic Undergraduate students must be enrolled in 9 or more hours (3 or more for Summer), with at least 50% face-to-face teaching, to be eligible to purchase the Student Health Insurance Plan coverage.

Students in their last semester of their degree program who fall below the above credit hour requirement and were enrolled in the student health insurance plan the previous semester are eligible to enroll for their last semester. Students who purchase Spring/Summer coverage in the spring semester must meet the above eligibility requirements for Spring only.

The Student Health Center accepts a variety of health insurance plans, including:

• Aetna (PPO and Managed Choice only)
• Blue Cross Blue Shield (PPO/POS, HealthSelect)
• Cigna (PPO, Open Access Plus, and Local Plus Network)
• Humana (PPO, some POS, some EPO)
• Magellan Behavioral Health
• Texas State Student Health Insurance Plan - Aetna/AHP
• United Healthcare (Choice, Choice Plus)

The Student Health Center is also certified providers for Tricare Select.

All international students on F-1 and J-1 visas are required to have health insurance coverage while studying at Texas State University. The international student health insurance premium will be billed to an F-1 and J-1 international student's university account during class registration. Students can opt out of the insurance charge by requesting a waiver and submitting proof that they have health insurance coverage.

Graduate student insurance

Texas State University offers a health insurance plan for its domestic students. Graduate students must be enrolled in 6 or more hours (3 or more for the summer semester), with at least 50% of classes being face-to-face, to be eligible to purchase the Student Health Insurance Plan coverage.

The Student Health Center accepts a variety of health insurance plans, including:

• Aetna (PPO and Managed Choice only)
• Blue Cross Blue Shield (PPO/POS, HealthSelect)
• Cigna (PPO, Open Access Plus, and Local Plus Network)
• Humana (PPO, some POS, some EPO)
• Magellan Behavioral Health
• Texas State Student Health Insurance Plan - Aetna/AHP
• United Healthcare (Choice, Choice Plus)

The Student Health Center is also in-network with Tricare Select, although students with Tricare Prime can only use their benefits at the Student Health Center clinic with prior authorization from their Primary Care Manager (PCM). The Student Health Center does not accept any HMO products or government programs (Medicare or Medicaid).

For the 2024-2025 Plan year, the insurance carrier for the Texas State University Student Health Insurance Plan is Aetna. This decision was based on the benefit needs of students, provider access, and costs. Enrollment for the Spring and Summer is open from October 17, 2024, until February 1, 2025.

Certain graduate students qualify to participate in the employee group insurance program. Graduate students employed in a benefits-eligible position are eligible to participate in the medical insurance and other optional benefits offered to Texas State employees through the Employees Retirement System of Texas (ERS). Benefits include a 50% contribution toward medical premiums and a 60-day waiting period for medical coverage to begin.

Student health centre charges

Texas State University offers a Student Health Insurance Plan for all domestic students who are currently enrolled. The insurance carrier for the 2024-2025 Plan year is Aetna. This decision was based on the benefit needs of students, provider access, and costs.

Eligibility

To be eligible to purchase the Student Health Insurance Plan coverage, domestic graduate students must be enrolled in 6 or more hours (3 or more for Summer), with at least 50% face-to-face. Domestic undergraduate students must be enrolled in 9 or more hours (3 or more for Summer), with at least 50% face-to-face.

Students in the last semester of their degree program who fall below the above credit hour requirement and were enrolled in the student health insurance plan the previous semester are eligible to enroll for their last semester. Students who purchase Spring/Summer coverage in the spring semester must meet the above eligibility requirements for Spring only.

Charges at the Student Health Centre

The Student Health Centre does have charges for services including office visits, labs, x-rays, procedures, immunizations, and other services. The cost of services provided by the Student Health Center is the responsibility of the patient, whether you use health insurance or not. Payment is required at the time of service unless other arrangements have been made.

A $30 charge applies for missed appointments or appointments not canceled at least 2 hours in advance. If you arrive late, you may not be able to be seen and will be charged a missed appointment fee of $30.

Payment Plans

Texas State students can set up a payment plan or have their balance transferred to their student account if they are unable to pay at the time of service. The Student Health Center can file claims with in-network health plans. It is the student's responsibility to give the Student Health Center accurate insurance information prior to their visit. By giving the insurance information, the student authorizes the Student Health Center to submit a claim to their insurance company. If the student does not want the Student Health Center to file a claim with their insurance company, they must notify the Student Health Center Cashier Office at the time of their visit and pay in full for any charges incurred at the time of service. Some services may qualify for a prompt pay discount.

Insurance Plans Accepted in the Clinic

The Student Health Center Clinic is in-network with the following providers:

• Aetna (PPO and Managed Choice only)
• Blue Cross Blue Shield (PPO/POS, HealthSelect)
• Cigna (PPO, Open Access Plus, and Local Plus Network)
• Humana (PPO, some POS, some EPO)
• Magellan Behavioral Health
• Texas State Student Health Insurance Plan - Aetna/AHP
• United Healthcare (Choice, Choice Plus)

Student health insurance waivers

Texas State University offers a Student Health Insurance Plan for all domestic students who are currently enrolled. The university also requires all enrolled international students with non-immigrant F-1 and J-1 visa classifications to purchase coverage under the designated international student health insurance policy as a condition of enrollment. Students must maintain continuous health insurance coverage from the time of enrollment to the time of completion of their degree program at Texas State.

International students who can provide proof of coverage with an insurance plan providing at least the minimum coverage specified in Sections 04.01 and 05.01 may apply for an online insurance waiver each semester. Acceptable proof of coverage is limited to:

• The university-endorsed student health insurance plan
• A government-sponsored plan
• A U.S. employer-sponsored plan

The amounts of coverage must appear in U.S. dollars on the proof of coverage provided. The insurance must be underwritten by an insurer with an established record of claims payment in the United States.

International students seeking to obtain an insurance waiver must provide the appropriate documentation by the published deadlines using the online waiver system provided by the health insurance administrator.

Students whose insurance policy does not include Emergency Medical Evacuation and Repatriation must purchase Academic Emergency Services (AES) through the AHP portal. Exchange students are not eligible to request a waiver.

Frequently asked questions