» Student Health Insurance
A high quality health insurance plan is vital to the overall well-being of our students and is a requirement for all medical students so that they can have access to medical care, including access to prescription drugs. All students must enroll in the MU JCE SOM-Sponsored Health Insurance Plan unless they request and are granted an approved waiver according to the policies and procedures described below in the section: Insurance Waivers. Under no circumstances will individual policies be acceptable for a waiver of the school-sponsored health insurance.
The MU JCE SOM-Sponsored Health Insurance Plan is a comprehensive Preferred Provider Plan that has been designed specifically for MU JCE SOM students and their dependents (spouse and/or children) by Health Sciences Assurances Consulting, Inc. (HSAC) and is underwritten by Consumers Life Insurance Company (CLIC). With an emphasis on wellness, the plan with CLIC was designed to include annual routine physicals, immunizations, and well childcare.
New Students (Students attending MU-JCE SOM for their first semester) must complete either:
- An Enrollment Form. Please complete the Enrollment Form in PDF format (see Forms, below) and remit payment for selected coverage (student only, student plus one dependent, or family). We ask that you pay the annual premium rather than the premium per semester if possible. Please keep in mind that we cannot accept credit cards. Method of payment must be a check made payable to University Physicians & Surgeons. We ask that you provide the check directly to the Office of Student Affairs via my administrative associate, Ms Laura Christopher (Room 3417 of the Marshall Medical Center (the building adjacent to Cabell Huntington Hospital). Laura can be reached at 304-691-1730 or christopherl@marshall.edu. Please do not submit this payment electronically or by mail as it has caused confusion and the student has not been given proper credit for his or her premium payment.
- A Waiver Form. Please complete the Waiver Form in PDF format (See Forms, below) and provide it, along with a copy of the front and back of the group insurance card on which you are covered, to Ms Laura Christopher (Room 3417 of the Marshall Medical Center, Office of Student Affairs. Laura can be reached at 304-691-1730 or christopherl@marshall.edu if you have any questions.
Continuing Students will automatically continue with the same enrollment/waiver status as the prior academic year and need only submit a new enrollment/waiver form if:
- You previously waived enrollment and now are in need of enrollment in the MU JCE SOM-Sponsored student health plan.
- You are requesting not to participate in the MU JCE SOM-Sponsored Health insurance plan and waiver information previously submitted has changed.
- You wish to change your family status—for example; you are adding/deleting dependent coverage.
Students Who Need to Enroll as a Result of Loss of Previously Waived Coverage
You have 30 days to inform us if an event takes place that results in loss of insurance coverage for which you were previously waived. For example, when a student turns 26, they usually lose coverage under their parents’ plan. Or, a spouse’s policy under which you are covered may change resulting in your loss of coverage.In the event of loss of coverage, you will either need to enroll in the school-sponsored plan by submitting an enrollment form and your premium payment or submit proof of other acceptable coverage by submitting a new waiver form and copies of the front and back of your new health insurance ID card. If you are enrolling in the school-sponsored plan your premium will be pro-rated based on the date of your enrollment. Contact our group administrator at 888-978-8355 and ask for Ms. Daryl Hall (daryl@hsac.com) or Mr. Shawn Stuart (shawn@hsac.com) for assistance.
Please note that a delay in updating your health insurance status will not save you money. For example, if you lost your coverage with a parent's health insurance plan in March but did not advise us until May you will still be retroactively enrolled and charged for coverage back to the date of termination of your prior coverage.
Requesting a Waiver of this Requirement
The ONLY exception to enrollment in the MU JCESOM Student Health Insurance plan is if a student provides documentation of current group health insurance that meets our criteria (e.g. parent’s group insurance plan; spouse’s group insurance plan; employer’s group insurance; Medicaid; or COBRA) that is at least equivalent to the coverage provided by the MU JCESOM-sponsored plan with a minimum level of coverage as described below.Students requesting a waiver must complete and submit a waiver form (see link above) and (front and back) copies of their insurance card. Waiver forms should be provided to Ms Laura Christopher in the Office of Student Affairs (Room 3417 of the Marshall Medical Center--the building adjacent to Cabell Huntington Hospital).
Minimum level of group coverage acceptable to waive MU JCESOM Student Health Insurance:
- Minimum lifetime benefit: $1,000,000
- Maximum Deductible: $350 in-network; $2,000 out-of-network
- Minimum Co-insurance: 80% in-network; 60% out-of-network
- Maximum out-of-pocket: $4,500 in-network; $9,000 out-of-network
- Plan must also include coverage for: prescription drugs, mental health and routine check-ups.
Under no circumstances will students with INDIVIDUALLY purchased medical plans be granted a waiver of the Student Health Insurance Plan. Only students with group insurance that meets the standards above will be considered for waiver.
- Students enrolling for coverage in the MU JCESOM-Sponsored Student Health Insurance Plan may also enroll their eligible dependents. An eligible dependent is a spouse (or domestic partner) and/or any child (ren) under the age of 19 (or 23 for children who are full-time students). Students must also enroll their dependents for coverage within 30 days of their initial eligibility.
- If a student’s dependents have coverage that ends during the academic year, the dependents may be enrolled in the MU JCESOM-Sponsored plan provided that the request for enrollment is submitted within 30 days after the other coverage ends.
- Additionally, if a student acquires dependents during the academic year as a result of marriage, birth, adoption, or placement for adoption, they may enroll their new dependents provided that the request for enrollment is made within 30 days after the marriage, birth, adoption, or placement for adoption.
Benefits Summary 11-12 [PDF]
Annual premium costs for Academic Year 2011-2012:
| Plan | Annual | Fall | Spring |
| Student Only: | $3,609.84 | $1,804.92 | $1,804.92 |
| Student + One Dependent: | $9,017.64 | $4,508.82 | $4,508.82 |
| Family: | $11,425.56 | $5,712.78 | $5,712.78 |
Financial Aid for Your Health Insurance
Your financial aid package contains a $2,800 allocation for your health insurance premium (divided in two semesters). You cannot request funds to cover non-student family member.
The deadline for submitting enrollments (including payment of premium) or waivers is August 15 of each academic year. Method of payment must be a check made payable to University Physicians & Surgeons. We ask that you provide the check directly to the Office of Student Affairs via my administrative associate, Ms Laura Christopher (Room 3417 of the Marshall Medical Center--the building adjacent to Cabell Huntington Hospital). Laura can be reached at 304-691-1730 or christopherl@marshall.edu. Please do not submit this payment electronically or by mail as it has caused confusion and the student has not been given proper credit for his or her premium payment.Students who do not provide an approved waiver by the deadline will automatically be enrolled for coverage and will be responsible for remittance of premium. Students who have not submitted appropriate forms by the specified deadline will be considered in violation of the requirement. Students in violation of the requirement will receive one reminder by email. Continued failure to comply with this requirement may result in a hold placed on registration (which would include your financial aid) or a meeting with Interim Dean Nerhood. In other words, we are serious about the importance of this requirement.
You are eligible to enroll in the MU JCESOM Student Health Insurance
plan effective the date your current coverage ends (e.g., if a spouse’s
policy changes, you reach an age at which you are no longer eligible for
your parents’ policy) provided you make application within 30 days of
the date of loss of coverage.
In order to process your enrollment we will need you to provide the following: a completed Enrollment and Change Form (see forms below), proof of your involuntary loss of group health insurance coverage (usually a letter from your current/prior insurance company or HR Department stating the reason the termination and the ending date of coverage); a Certificate of Creditable Coverage from your prior coverage and a check payable to University Physicians and Surgeons.
For questions related to changes in enrollment please contact HSAC at 888-978-8355 and ask for Ms. Daryl Hall (daryl@hsac.com) or Mr. Shawn Stuart (shawn@hsac.com) who can confirm your premium rate based on your date of enrollment.
Preferred Provider Organization
We are pleased to make available to you and your dependents the
following preferred providers through the MU JCE SOM-Sponsored Student
Health Insurance Plan. In order to maximize benefits, students should
seek care from a preferred provider.
In-state use, West Virginia:
The Preferred Provider Network is 4MOST. Provider directories are
available on line at 4MOST’s web site:
www.4mosthealth.com. Contact
4MOST toll free at 1-888-258-6477.
Services to use when outside West Virginia:
The nationwide network for your health service needs is First Health
Network. Provider directories are available on-line at the First Health
Network’s Web site:
www.firsthealth.com. You may also call them toll free at
1-800-889-0277.
FAQ about Medical Student Health Insurance [Word | PDF]
The Servicing Agent for the MU JCECOM-Sponsored Student Health Insurance Plan is Health Sciences Assurance Consulting, Inc. (HSAC). For questions related to enrollments, filing waivers or benefits and claims please contact: HSAC at 1-888-978-8355, and identify yourself as a MU JCESOM student. Ms. Daryl Hall (daryl@hsac.com) or Mr. Shawn Stuart (shawn@hsac.com) at HSAC are available to assist you. It is in your best interest to allow Shawn or Daryl act as your liaison with the insurance company rather than contacting the insurance company yourself.You may also contact Laura Christopher (304-691-1730 or christopherl@marshall.edu) or Dr. Veitia, Associate Dean for Student Affairs (304-691-1730 or veitia@marshall.edu).