Student Insurance

Insurance Overview

Meharry Medical College requires that all registered students have health insurance or purchase the Meharry Medical College sponsored group plan. Students must be officially enrolled in a degree program at Meharry Medical College to be eligible for the student insurance plan.  One of the following options is mandatory for all Meharry students:

  • On a parent’s or spouse’s health insurance policy
  • Individual, private, or group health insurance policy*
  • Group policy offered by Meharry Medical College

 

*The plan must meet the waiver requirements listed in the student insurance waiver information section. Please contact the Office of Student Life via email to studentinsurance@mmc.edu or by phone at (615) 327-6792 if you have questions/concerns that are not addressed here.

 

Student Insurance Policy & Procedure

 

Please note that the Meharry Medical College Group Student Insurance Plan includes medical, vision and dental coverage. If you enroll in the plan, you will get all three and if you waive the coverage, you waive all three. Coverage plans cannot be purchased separately.

2016 – 2017 Student Insurance Electronic Benefits Guide

 

This document gives a snapshot of the benefits for the 2016 – 2017 year and also provides contact information for providers along with phone numbers.

 

2016 – 2017 Student Insurance Rates

Below are the annual premium rates for the bundled health insurance package (medical, vision and dental insurance). The insurance plan year is July 1st – June 30th. One half of the annual premium is billed to your student account each semester.

 

All students will automatically be charged an insurance fee in both the fall and spring semesters if a waiver is not completed by the communicated deadline.

Coverage Level:

Student Only

Student & Spouse

Student & Child

Student & Children

Family - Student, Spouse, & Child(ren)

Annual Premium:

$3366.84

$6708.80

$6822.08

$9,858.08

$13,2080.24

Semester Premium:

$1683.42

$3354.44

$3411.04

$4929.04

$6604.12

Coverage Level:

Student Only

Annual Premium:

$3366.84

Semester Premium:

$1683.42

Coverage Level:

Student & Spouse

Annual Premium:

$6708.80

Semester Premium:

$3354.44

Coverage Level:

Student & Child

Annual Premium:

$6822.08

Semester Premium:

$3411.04

Coverage Level:

Student & Children

Annual Premium:

$9,858.08

Semester Premium:

$4929.04

Coverage Level:

Family - Student, Spouse, & Child(ren)

Annual Premium:

$13,2080.24

Semester Premium:

$6604.12

2015 – 2016 Student Insurance Electronic Benefits Guide

 

2015 – 2016 Student Insurance Rates
Because of plan design changes and health care reform, a tier was added to separate those covering one child vs. multiple children. Students with dependents are encouraged to view options through the Health Insurance Market Place via HealthCare.gov. The Office of Student Life is looking to offer an application for insurance assistance to those with dependents. More information will follow.

Coverage Level:

Student Only

Student & Spouse

Student & Child

Student & Children

Family - Student, Spouse, & Child(ren)

Annual Premium:

$3,538

$7,177

$10,355

$$7,051

$13,878

Semester Premium:

$1,769

$3,588.50

$5,177.50

$3,525.50

$6,939

Coverage Level:

Student Only

Annual Premium:

$3,538

Semester Premium:

$1,769

Coverage Level:

Student & Spouse

Annual Premium:

$7,177

Semester Premium:

$3,588.50

Coverage Level:

Student & Child

Annual Premium:

$10,355

Semester Premium:

$5,177.50

Coverage Level:

Student & Children

Annual Premium:

$7,051

Semester Premium:

$3,525.50

Coverage Level:

Family - Student, Spouse, & Child(ren)

Annual Premium:

$13,878

Semester Premium:

$6,939

Insurance Programs

United HealthCare Student Resources is the medical insurance provider for the student group plan for the 2015 – 2016 and 2016 – 2017 academic year. The Student Injury and Sickness Insurance Plan details covered services and exemptions of coverage. A card will not be automatically mailed to you. It must be requested from United Healthcare Student Resources. There are many ways to access medical insurance benefits and insurance cards online.

Students are encouraged to set up an account online by following this link:  Create Your Account.

The Summary of Benefits and Coverage gives a quick view of deductibles, out-of-pocket limits, annual limits, and information on referrals.

 

Mental and Behavioral Health
Please use the link below to search for a mental or behavioral health provider or facility: United Health Behavioral Health

 

Additional Contact Information

 

Student Assistance Program (SAP)
The Student Assistance Program is offered through New Directions Behavioral Health. This program is available to all students enrolled in the group insurance plan. They offer counseling for a wide variety of every day or unexpected concerns such as stress, depression, relationships, parenting, substance abuse, grief and loss, and financial issues to name a few. Counselors are professionals with a master’s degree and a state license.

 

Assistance is available 24 hours a day, 7 days a week by calling 1-800-624-5544. You can also visit their website at www.ndbh.com for more information.

 

SAP Additional Information and Services

United Healthcare is the provider of vision insurance for students. Please note there is a difference between the medical and vision providers. Medical coverage is provided by a different arm of the United Healthcare company than vision. You will not receive a vision insurance card in the mail. A vision card is not required to receive services.

 

Verify Benefits for Vision Coverage
You can call the customer service line or set up an online account to view your benefits.

 

I need to make an appointment. What do I need to do?
Go online or view the UHC Vision Directory below to find a retailer or other participating provider below. Visit the retailer or provider and they will ask you to complete paperwork that will include personal information. The retailer/vision provider can verify your benefits using the company name that you are covered under (United Healthcare) and your personal information.

 

Click the link below to view 2016 – 2017 UHC Vision insurance retailers and a participating provider directory for Davidson County. Visit United Healthcare’s website to view providers in other areas.

 

UHC Vision Directory – Davidson County

 

Contact Information

Online: https://myuhcvision.com
Customer Service: 1-800-638-3120
Provider Locator: 1-800-839-3242

Delta Dental of Tennesse is the dental insurance provider for the student group insurance plan. Dentists across the United States participate in the Delta Dental network which you have access to with your plan.

 

A physical card is not required for dental insurance. You can let the provider know you are covered through Delta Dental of Tennessee with Meharry Medical College Student Plan. The dental provider can confirm your benefits using additional personal information.

 

Delta Dental has an online Consumer Toolkit that lets you access your plan securely over the internet. The site allows you to view your benefits, claims and other important information. Once you’ve registered and created an account, you can download the Delta Dental App from the Google Play or Apple’s App Store.

 

Dental Benefits Summary 2014 – 2015

 

Contact Information

Online: www.deltadentalTN.com
Click on Individuals tab at the top,
Consumer Toolkit and LogIn Now or Create Account.
Customer Service: 1-800-223-3104
Mobile App Links

All students are required to complete a life insurance beneficiary form the first year of enrollment. These forms allow you to name an individual(s) that you would like to have receive the life insurance benefits in the event of your passing.

 

Note: Life/Accidental Death & Disbursement and the disability insurance cannot be waived. Please visit the Tuition and Fees page to view the fee(s) for your particular school. If you waive the group insurance plan, you will still need to complete the beneficiary form as this is separate from the student group insurance plan.

 

If a student needs to make a change to his/her beneficiary during his/her matriculation at Meharry Medical College, he/she will need to contact the Office of Student Life at 615-327-6792 or email studentinsurance@mmc.edu.

 

Please Visit the Meharry Medical College Student Insurance Intranet webpage for details on the life/ad&d, short and long term disability policies. The Policy number and certificate links are on the page.

 

Standard Life Beneficiary Designation Form

 

The group name should be entered as: Meharry Medical College – Student. Leave the group number blank. Complete, sign and scan the form to yourself and upload it below.

Mandatory Bloodborne Pathogen Exposure Coverage

All Medical, Dental and PhD students are enrolled in the mandatory pathogen exposure/accident coverage which provides a benefit in case a student is exposed to blood or other body fluids through a needle stick or body fluid splash/spill event. This coverage is required whether you enroll in the Meharry Student Group Insurance Policy or are covered by another policy.Those enrolled in the student insurance plan can use the insurance card provided by United Healthcare for needlestick events. Those not enrolled will need to have special forms completed for the claims.

Maximum Benefit:

$20,000

Deductible:

$0

Premium:

$12 per year

Maximum Benefit:

$20,000

Deductible:

$0

Premium:

$12 per year

Students are asked to contact Student Health Services or their respective school’s academic and student affairs office for details about the the procedure for dealing with occupational exposure to blood/body fluids.

Important Dates & Information

Plan Year

July 1 – June 30
for all continuing students and first year medical and dental students

August 1 – June 30
for all first year graduate school students

Annual Open Enrollment and Deadlines

April 15 – June 9:
All continuing students and first year medical and dental students

May 1 – July 10:
First Year MSPH, MHS and PhD students

There is only one open enrollment/waiver period each year. The dates are listed above. A waiver applies for the full plan year unless you communicate with our office that you experienced a loss of coverage during the year.

You may add coverage throughout the year if you experience a qualifying life event.