Ibrahim Gardner
Denison University offers a Student Health Insurance Plan for all full-time students enrolled at the university. This plan is mandatory for students who are not covered by a comprehensive family or individual plan, or those with out-of-area HMO plans, out-of-state Medicaid plans, or cost-sharing plans. Denison University also provides an Accident Only Insurance Plan for all full-time students, which covers medical evacuation and repatriation expenses worldwide. Students with existing comprehensive insurance plans can choose to waive the Denison Student Health Insurance Plan by submitting an online waiver request and providing proof of insurance. Denison University strongly recommends that international students, athletes, and students participating in off-campus studies carry the Denison Student Health Insurance Plan due to the potential need for healthcare access during their time at the university. Additionally, students can submit documentation of their medical visits and charges to their personal insurance plans for reimbursement.
| Characteristics | Values |
|---|---|
| Student Health Insurance Plan | Optional for students with comprehensive family or individual plans |
| Accident-Only Insurance Plan | Covers all full-time students |
| Group Accident and Sickness Insurance Plan | Available to students |
| Enrollment | Automatic for all students unless the waiver is completed and approved |
| Waiver | Requires proof of insurance and is not available for out-of-state Medicare plans |
| Coverage | Worldwide, including medical evacuation and repatriation expenses |
| Billing | Direct billing to health insurance plan for primary care services |
| Copayments | Due at the time of service (debit/credit cards and HSA cards accepted) |
| Specialty Services | Billed directly to insurance, with remaining costs covered by the student |
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What You'll Learn
Mandatory insurance for international students
Denison University requires that all full-time students have health insurance coverage. The Denison University Student Insurance Plan is mandatory for students who are not covered by a comprehensive family or individual plan, or those covered under an out-of-area HMO plan, out-of-state Medicaid plan, or a cost-sharing plan. This includes international students, who are strongly urged to carry the Denison University Student Health Insurance Plan even if they have alternative coverage.
The Denison Student Health Insurance Plan is an annual plan provided by United HealthCare, and it is in effect anywhere in the world. It covers medical evacuation and repatriation expenses, and all full-time students are included in the plan, regardless of whether they have alternative coverage. Denison has also purchased an Accident Only Insurance Plan for all full-time students, which covers them whether they accept or waive the main Denison Student Health Insurance Plan.
Students who wish to waive the Denison University Student Insurance Plan must complete an online insurance waiver request and upload proof of their comprehensive family or individual plan by the specified deadline. Out-of-state Medicare plans do not qualify for a waiver. Students participating in off-campus programs for one semester must accept or waive the insurance for the entire academic year.
International students should be aware that healthcare expenses in the United States can be high, and that their existing insurance may not cover them abroad or may only provide limited coverage. It is important to compare available plans and choose one that suits their needs and meets the university's requirements. Travel medical insurance, including emergency medical evacuation coverage, is recommended for international students. Additionally, J visa holders are required by the US Department of State to purchase compliant insurance.
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Accident-only insurance
Denison University offers a Student Health Insurance Plan, which is optional for students who are covered under a comprehensive family or individual plan. However, the university also provides an Accident-Only Insurance Plan for all full-time students, regardless of whether they accept or waive the Denison Student Health Insurance Plan.
Denison University's Accident-Only Insurance Plan is intended to protect full-time students from the financial burden of accidental injuries, ensuring they can access the necessary resources for their recovery without incurring significant out-of-pocket expenses.
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Athletic and club sport insurance
Denison University offers two supplemental medical insurance plans for athletes: one for intercollegiate athletic injuries and one for club sport injuries. Both plans are optional and have a maximum benefit of $90,000 for intercollegiate athletic injuries and a maximum benefit of $25,000 for club sport injuries. The plans cover all varsity and club sport athletes, regardless of whether they accept or waive the Denison Student Health Insurance Plan. The supplemental policies have a $2,000 deductible, and the Accident Only Insurance Plan purchased by Denison covers eligible expenses up to this amount.
The Athletic and Club Sport Insurance plans are designed to provide medical coverage for students participating in intercollegiate and club sports. These plans offer financial protection in the event of injuries sustained during athletic activities. The coverage includes expenses related to medical treatment, hospital stays, rehabilitation, and other related costs.
The Athletic and Club Sport Insurance plans at Denison University are intended to complement the Denison Student Health Insurance Plan. Students participating in intercollegiate athletics, including varsity sports, are encouraged to consider enrolling in the intercollegiate athletic insurance plan. This plan provides coverage specifically tailored to the higher-impact nature of intercollegiate sports and the potential for more severe injuries.
Similarly, the club sport insurance plan is designed for students involved in club sports, which can range from competitive to recreational activities. This plan offers financial protection for injuries sustained during club sport practices and competitions. It is important to note that the club sport insurance plan has a lower maximum benefit compared to the intercollegiate athletic insurance plan, reflecting the generally lower-impact nature of club sports.
The Athletic and Club Sport Insurance plans at Denison University provide peace of mind and financial security for students engaged in athletic pursuits. These plans ensure that students can seek the necessary medical treatment and focus on their recovery without incurring significant financial burdens. It is recommended that students review the specific coverage details, exclusions, and limitations of these plans to make informed decisions regarding their enrolment and athletic endeavours.
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Off-campus program coverage
Students participating in off-campus programs for one semester and expecting to be on campus for the other must accept or waive Denison University's Student Health Insurance Plan for the entire academic year. This is because the Denison Student Health Insurance Plan is an annual plan, and coverage is in effect anywhere in the world, including medical evacuation and repatriation expenses.
Students who already have health insurance through another individual or family plan may elect to waive the Student Health Insurance Plan. However, it is important to note that out-of-state Medicare plans are not eligible for student health insurance waivers. To waive the insurance, students must complete the required online insurance waiver request and upload proof of insurance by the specified deadline.
For students whose chosen off-campus study program does not provide health insurance, Denison will automatically cover the cost of an insurance policy through a third-party vendor selected by the university. This policy will be limited to the duration of the off-campus study program and the program location.
International students should be aware that their insurance may not cover them abroad or may only provide limited coverage. It is recommended that they purchase travel medical insurance that includes emergency medical evacuation. Additionally, international students holding J visas are required by the U.S. Department of State to purchase compliant insurance.
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Waiver requests
All full-time students enrolled at Denison University are eligible for the Student Health Insurance Plan. This plan is mandatory for students who are not covered under a comprehensive family or individual plan, or those who are covered under an out-of-area HMO plan, out-of-state Medicaid plan, or a cost-sharing plan. Students who are already covered under a comprehensive family or individual plan may elect to waive the Student Health Insurance Plan.
To waive the Denison University Student Insurance Plan, students must complete the required online insurance waiver request and upload proof of insurance. This can be done through Wellfleet at wellfleetstudent.com, using the student's MyDenison login. The deadline to submit a waiver request for the 2023-2024 academic year was July 23, 2023, but due to delays, the deadline was extended to August 9, 2023.
It is important to note that even if a student has coverage under another plan, it is strongly urged that international students and those participating in intercollegiate athletics, club sports, intramurals, or off-campus studies carry the Denison University Student Health Insurance Plan. This is because the Denison plan provides coverage anywhere in the world and includes medical evacuation and repatriation expenses. Additionally, Denison has purchased an Accident Only Insurance Plan for all full-time students, which covers students regardless of whether they accept or waive the Denison Student Health Insurance Plan.
If a student wishes to submit documentation of their medical visit and charges to their personal insurance plan, they must ask for a "Detailed Walkout Statement" at the time of their office visit. Denison does not submit statements directly to students' individual insurance companies. Students are responsible for submitting these statements to their insurance providers for reimbursement.
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Frequently asked questions
The Denison University Student Insurance Plan is a mandatory health insurance plan for all full-time students enrolled at the university. It is offered through United HealthCare.
The plan covers medical evacuation and repatriation expenses anywhere in the world. Denison University has also purchased an Accident Only Insurance Plan for all full-time students.
Yes, the plan is mandatory for students who are not covered under a comprehensive family or individual plan. Students with existing coverage can choose to waive the Denison University Student Insurance Plan, but it is strongly recommended for international students and those participating in intercollegiate athletics, club sports, intramurals, and off-campus studies.
