Janice Lozano
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. Students with urgent medical needs who cannot pay will not be refused treatment. 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. Students whose insurance policy does not include Emergency Medical Evacuation and Repatriation must purchase Academic Emergency Services (AES) through the AHP portal. Additionally, Texas State University 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.
| Characteristics | Values |
|---|---|
| Insurance provider | Aetna |
| Plan year | 2024-2025 |
| Enrollment period | October 17, 2024 - February 1, 2025 (Spring and Summer) |
| Eligibility | Domestic graduate and undergraduate students with specific credit hour requirements |
| Coverage | Varies, may include preventive care at 100% |
| Payment options | Payment plans, balance transfer to student account, lump-sum premium |
| International students | Required to purchase coverage as a condition of enrollment |
| Waivers | Available through the AHP Portal for eligible students |
| Refunds | Not available for summer |
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What You'll Learn
Domestic student insurance requirements
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 made based on the benefit needs of students, provider access, and costs.
To be eligible to purchase the Student Health Insurance Plan, domestic graduate students must be enrolled in 6 or more hours (3 or more for the summer term), 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 the summer term), again with at least 50% of classes being face-to-face. Students in the final semester of their degree program who fall below the above credit hour requirement but were enrolled in the student health insurance plan the previous semester are also eligible.
Students are responsible for providing accurate insurance information to the Student Health Center prior to their visit. By providing this information, students authorise the Student Health Center to submit a claim to their insurance company. If students do not wish for the Student Health Center to file a claim, they must notify the Student Health Center Cashier Office at the time of their visit and pay in full for any charges incurred.
Students with urgent medical needs will not be refused treatment, regardless of their ability to pay. However, the cost of services provided by the Student Health Center is the responsibility of the patient, regardless of whether they use health insurance or not. 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.
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International student insurance requirements
Texas State University 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 completing their degree programme. The international student health insurance premium is billed to an F-1 and J-1 international student's university account during registration, and students are automatically enrolled in the health insurance plan unless a waiver is approved. To obtain a waiver, students must demonstrate equivalent insurance coverage that is government-sponsored or US employer-sponsored. Students with a government-sponsored plan must also ensure that their plan includes Emergency Medical Evacuation and Repatriation. If not, they must purchase Academic Emergency Services (AES) through the AHP portal.
Students with a US employer-sponsored plan must ensure their plan is Affordable Care Act (ACA) compliant. ACA-compliant insurance coverage accepts pre-existing conditions and meets the criteria of Minimum Value and Essential Health Benefits. Essential Health Benefits ensure students have access to local providers and a range of services in the state of Texas. Students can request a waiver through the AHP Portal before the tuition payment deadline. They can check the Texas State University Academic Calendar for the relevant deadline.
If a student's health insurance does not cover any part of their charges, or if they are not using health insurance, the Student Health Centre will send a Balance Due Notification email. If the balance is not paid in full or other payment arrangements are not made by the due date, the balance will be transferred to the student's Texas State account, where late fees may accrue, or a hold may be placed on the account. Students who do not have insurance, have an out-of-network plan, or choose not to use insurance for privacy or personal reasons may be eligible for a discounted Prompt Pay rate for some services.
Students with urgent medical needs will not be refused treatment, regardless of their ability to pay. 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.
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Student Health Center 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 made based on the benefit needs of students, provider access, and costs.
To be eligible to purchase the Student Health Insurance Plan, domestic graduate students must be enrolled in 6 or more hours (3 or more for Summer), with at least 50% face-to-face interaction. Domestic undergraduate students must be enrolled in 9 or more hours (3 or more for Summer), with at least 50% face-to-face interaction. Students in the final semester of their degree program who fall below the credit hour requirement and were enrolled in the student health insurance plan the previous semester are also eligible.
International students with non-immigrant, F-1 and J-1 visa classifications, are required to purchase coverage under the designated international student health insurance policy as a condition of enrollment. Students with a student's sponsored plan (US Government or Foreign Government) are recognized by the US, and the sponsor guarantees payment of all healthcare expenses, including medical evacuation and repatriation, and are compliant with the Affordable Care Act (ACA).
The Student Health Center at Texas State University does charge for services, including office visits, labs, x-rays, procedures, immunizations, and other services. Payment is required at the time of service unless other arrangements have been made. The cost of services provided by the Student Health Center is the responsibility of the patient, regardless of whether they use health insurance. A $30 charge applies for missed appointments or appointments not canceled at least 2 hours in advance. 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.
Students with urgent medical needs will not be refused treatment, even if they cannot pay. Self-pay patients have the right to a Good Faith Estimate if they schedule at least three business days in advance or by request. Students are responsible for providing accurate insurance information to the Student Health Center prior to their visit. By providing insurance information, the student authorizes the Student Health Center to submit a claim to their insurance company. If students do not want the Student Health Center to file a claim, they must notify the Student Health Center Cashier Office at the time of their visit and pay in full for any charges incurred.
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Payment plans
Texas State University offers a range of payment plans and insurance coverage options for its students. These include options for domestic and international students, as well as those with unique visa classifications.
Domestic Students
Domestic students at Texas State University can enrol in the Student Health Insurance Plan, with the carrier for the 2024-2025 Plan year being Aetna. To be eligible to purchase the Student Health Insurance Plan, 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, meanwhile, must be enrolled in 9 or more hours (3 or more for Summer), also with at least 50% face-to-face.
International Students
Texas State University 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 enrolment. Students must maintain continuous health insurance coverage from enrolment to the completion of their degree programme.
Other Options
Students at Texas State University can also remain on their parent's insurance plan, provided they are full-time students. Alternatively, they can purchase an individual or family health plan.
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Insurance waivers
Texas State University offers a Student Health Insurance Plan (UT SHIP) for its students. Domestic graduate students must be enrolled in 6 or more hours (3 or more for the summer semester), with at least 50% face-to-face interaction, 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 the summer semester), with at least 50% face-to-face interaction, to be eligible for the same.
Students who are covered by an existing health insurance policy may be eligible to waive the student health insurance plan. To be eligible for a waiver, the student's existing insurance coverage must meet or exceed the following standards:
- The student must submit proof to AHP.
- Attach a copy of the front and back of their health insurance card and a copy of their medical insurance policy to the waiver form.
- The student must have coverage through a U.S. employer or government-sponsored health insurance.
- Out-of-pocket costs may not exceed $9,450 per year for an individual or $18,900 per year for a family.
- Coverage for preventive care at 100% in-network, including immunizations, physical exams, and birth control with no cost-sharing.
- Essential benefits as defined by the ACA (Affordable Care Act) must be covered; no internal caps on essential benefits, including mental health, pregnancy, prescriptions, surgery, emergency room, and doctor visits.
- The alternate plan must cover the full coverage period to be waived.
- Unlimited maximum benefits.
- No pre-existing condition limitations.
- Co-insurance should not exceed 25%.
- Repatriation expenses of a deceased individual in the amount of no less than $25,000.
- Expenses associated with any required medical evacuation of an individual to the individual’s home country payable in an amount of no less than $50,000.
International students holding insurance plans provided by a U.S. employer and compliant with the Patient Protection and Affordable Care Act (PPACA) may submit a waiver through the AHP waiver platform. Students with U.S. citizenship are not automatically enrolled in UT SHIP, nor are they automatically charged for insurance fees. As such, it is not necessary for U.S. citizens to submit a waiver to be exempted from these fees.
Students who are not granted a waiver and do not have insurance, have an out-of-network plan, or choose not to use insurance for privacy or personal reasons may be eligible to receive a discounted Prompt Pay rate for some services.
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Frequently asked questions
Yes, Texas State University 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.
Texas State University offers a Student Health Insurance Plan for all domestic students who are currently enrolled. 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. Additionally, students can opt for a school-sponsored plan, a student health plan, or an individual and family plan.
Domestic Graduate students must be enrolled in 6 or more hours (3 or more for Summer), with at least 50% face-to-face interaction, 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 interaction, to be eligible. Enrollment for the Spring and Summer is open from October 17, 2024, until February 1, 2025.
Students without health insurance will be required to pay the student health insurance fee billed to their tuition and fee account. Students with urgent medical needs who cannot pay will not be refused necessary treatments. However, it is always recommended to have some form of health insurance coverage.
