Student Health Insurance Plan

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We’re here to provide helpful information for students to make informed decisions about their healthcare. Understanding health insurance for college students can be difficult. All students enrolled at Embry-Riddle Aeronautical University are required to be enrolled in a health insurance plan. Students usually have several options available, including student health insurance plans, parents’ employer plans (up to age 26 if dependent coverage is available), and employer plans (for eligible employed students). 

Embry-Riddle Aeronautical University has negotiated with United Health Care Student Resources (UHCSR) to provide the greatest value from a student health insurance plan. UHCSR is a Choice Plus Plan, which provides coverage for preventive care, hospitalization, surgery, maternity, emergency care, medically necessary physician care, prescription drugs and mental health. Eligible enrolled students have the option to purchase additional vision and dental insurance and also have the option to enroll their dependents. The process to enroll in the plan can be found on this page under “How to Enroll in This Plan.” To find out more about the coverage UHCSR offers, please visit https://www.uhcsr.com/erau

Students who are covered under a plan that provides comparable coverage while on campus may request to waive out of the school sponsored student insurance plan. An insurance waiver is the process of submitting a formal request to opt out of the Embry-Riddle Aeronautical University student health insurance plan. Students who can provide proof of comparable insurance coverage may opt out of the Embry-Riddle Aeronautical University health insurance plan by completing an insurance waiver request. The process to request to waive out can be found on this page under “How to Waive out of This Plan."

Student Insurance Plan Highlights

Embry-Riddle Aeronautical University (ERAU) Health Services is committed to taking care of our ERAU Campus Community. The University requires that all students enrolled in classes at the Daytona Beach Campus to carry health insurance coverage that provides coverage in the area they are attending classes. Unexpected medical expenses or an illness left untreated can hinder a student’s ability to complete their academics and/or can cause an unnecessary financial burden.   

All students are automatically enrolled into United Health Care Student Resource (UHSCR), unless the student can prove alternate coverage that meets the following standards: 

  • Does the plan cover you through until the following Fall Semester (typically August of the next year)?
  • Is the claims administrator for the plan based in the United States and is there a United States telephone number and address for submission of claims?
  • Does your plan provide both emergency and non-emergency health care in the state of Arizona or Florida?
  • Does your plan have participating hospitals, physicians, pharmacies, and mental health care providers within a 50-mile radius of the campus you are attending?
  • Does your plan cover ambulance transport within a 50-mile radius of the campus you are attending?
  • Does your plan provide inpatient/outpatient mental health care and chemical dependency benefits in area of the campus you are attending?
  • Do you have a plan benefit for prescription medications in area of the campus you are attending?
  • Does your plan cover laboratory and radiology expenses in the area of the campus you are attending?
  • Do you have the financial resources to pay your health insurance plan deductible?
  • Does your plan’s maximum benefit have $1 million worth of coverage?
  • Does your plan provide medical evacuation of $50,000 or better and does it cover repatriation of remains?  

Due to the importance of all students having adequate health coverage during their time at college, we have implemented a new verification system to ensure students are covered in the area they reside, including flight training in ERAU airplanes at ERAU. Starting Summer B 2021, if electing to waive out of the Student Health Insurance Plan (SHIP), the following process will take place to verify the health insurance plan of the student meets Embry-Riddle Aeronautical University minimum requirements:  

  1. Students must provide detailed information about their current coverage.
  2. The detailed information will be verified through a health insurance clearinghouse. 

Student health plans can be a valuable solution for college students and their families. Not only can they cost less than other plans-they can also provide better benefits. UHCSR has negotiated with multiple providers and specialists in the area of our campuses. Many providers in the area accept UHCSR as an in-network provider, not an out-of-network provider.   

Medicaid, state Children’s Health Insurance Plans, HMOs and Kaiser Permanente plans DO NOT cover non-emergency care in Daytona Beach and DO NOT qualify for a waiver.  

The following coverage DOES apply to waive out of the SHIP: 

  • TRICARE
  • Government Sponsored International Students 

What happens if I do not elect to waive out of the school insurance or if I do not complete the waiver prior to August 20, 2021? 

You will be automatically enrolled into United Health Care Student Resources. You will receive an e-mail from UHCSR with instructions on how to create an account to access your information including your health insurance card. Your insurance coverage will be effective from August 16, 2021 through August 15, 2022.  

Summer 1 (A/C) 2021

  • Waiver Opens: April 1, 2021
  • Waiver Closes: May 21, 2021

Summer 2 (B) 2021

  • Waiver Opens: June 1, 2021
  • Waiver Closes: July 2, 2021

Fall 2021

  • Waiver Opens: July 2, 2021
  • Waiver Closes: August 20, 2021

Spring 2022

  • Waiver Opens: November 2, 2021
  • Waiver Closes: January 5, 2022

Summer 1 (A/C) 2022

  • Waiver Opens: April 2, 2022
  • Waiver Closes: May 9, 2022

Summer 2 (B) 2022

  • Waiver Opens: June 2, 2022
  • Waiver Closes: June 20, 2022

To View the United Healthcare Student Resources Health Insurance Plan: 

 You can easily access the medical, dental, and vision plan details, including benefits and rates to understand your plan options.

  1. Visit http://www.uhcsr.com/erau
  2.  Select the current policy year

If you encounter difficulties, please contact United Healthcare Student Resources Customer Services at 1-800-767-0700 (7 a.m. to 7 p.m. CST Monday through Friday)

Worldwide Students

At this time, only registered students of the Daytona Beach & Prescott campuses can participate in the UHCSR insurance. Worldwide students cannot participate in this insurance program.

The United Health Care Student Resources insurance rates and coverage periods are as follows for the 2021-2022 semesters:

Medical 

 

Annual

8-16-2021 to 8-15-2022

Spring

1-1-2022 to 8-15-2022

Summer 1 (A/C)

5-11-2022 to 8-15-2022

Summer 2 (B)

6-29-2022 to 8-15-2022

Student

$1,606.00

$999.00

$427.00

$211.00

Spouse

$1,606.00

$999.00

$427.00

$211.00

One Child

$1,606.00

$999.00

$427.00

$211.00

Two or More Children

$3,212.00

$1,998.00

$854.00

$422.00

Spouse and 2 or More Children

$4,818.00

$2,997.00

$1,281.00

$633.00

UHC Global assists in saving the day for students who are studying or traveling in other states or other countries. When you're at least 100 miles from home and you're sick or hurt, UHC Global steps in and steps up with immediate access to doctors, hospitals and pharmacies in unfamiliar places. In the extreme, they'll even help you get home if you need to be medically evacuated. Services include: Medical Assistance Service, Medical Evacuation and Repatriation Services, Security and Natural Disaster, Evacuation Services, Worldwide Destination Intelligence, and Travel Assistance Services. The toll-free number is on your SR ID card or in My Account. For more information on UHC Global, visit www.uhcsr.com/uhcglobal

Any insured member traveling abroad should contact UHC Global if he/she needs to obtain medical services and cannot locate those services on his/her own. UHC Global will assist the member with finding a provider and translation services if needed. Any provider overseas is out of network. The member will have to pay for the treatment up front and then submit the claim and proof of payment to UHCSR for reimbursement under the policy.

Download Plan Highlights

The preferred provider for this plan is United Healthcare Choice Plus Plans. If care is received from a preferred provider, any covered medical expenses will be paid at the Preferred Provider level of benefits. If the covered medical expense is incurred due to a medical emergency, benefits will be paid at the preferred provider level of benefits. In all other situations, reduced or lower benefits will be provided when an out-of-network provider is used.

United Healthcare offers its vision program through a national network including both private practice and retail chain providers. To access the Provider Locator service or for a printed directory, visit United Healthcare's website at www.myuhcvision.com or call (800) 638-3120, 24 hours a day, seven days a week.

Open enrollment starts July 2, 2021 and goes through August 20, 2021. Purchase of this plan is only available during this enrollment period. Coverage of your vision plan will start August 1, 2021 and will run until August 15, 2022. United Healthcare Vision Plan is available for purchase through the www.uhcsr.com/erau website.

Download Plan Highlights

 

The United Health Care Student Resources vision rates and coverage periods are as follows for the 2021-2022 academic year:

 

Annual (8/1/2021 – 8/15/2022)

Student

$123.48

Spouse

$110.64

One Child

$151.08

Two or More Children

$151.08

Spouse and 2 or More Children

$262.80

United Healthcare has an affordable dental plan available for enrolled students sold separately from the ERAU student insurance plan. 

Receive coverage with in-network dentist:

  • 100% Diagnostic Services 
  • 100% Preventive Service
  • 80% Basic Services
  • 50% Major Services. 

Open enrollment starts July 2, 2021 and goes through August 20, 2021. Purchase of this plan is only available during this enrollment period. Coverage of your dental plan will start August 1, 2021 and will run until August 15, 2022. United Healthcare Dental Plan is available for purchase through the www.uhcsr.com/erau website. 

Download Plan Highlights

The United Health Care Student Resources dental rates and coverage periods are as follows for the 2021-2022 academic year:

 

Annual (8/1/2021 – 8/15/2022)

Student

$525

Spouse

$525

One Child

$664.14

Two or More Children

$664.14

Spouse and 2 or More Children

$1,280.57

 

  1. Please go to your Student Homepage in your Campus Solutions account
  2. Click on the Finances or Profile Tab 
  3. Click on Complete Health Insurance Info 

Enrollment dates are the same as waiver dates.

Health Insurance Information and Waivers 

Health Care in the United States can be expensive, especially if it includes a stay in a hospital. All Embry-Riddle students are required to have medical insurance and to ensure that all students have an appropriate level of insurance, a student insurance policy is included in your tuition and fees.

What if I already have Health Insurance? 

 You can waive out of the university-provided healthcare if you are able to show your own insurance. You must process your online waiver request during the time frame offered. No cancellations are allowed beyond the waiver dates.

Your private health insurance must show the following:

  • The claims administrator for your plan is based in the United States and there is a US telephone number and address for submission of claims.
  • Your plan provides for both emergency and non-emergency health care in the state of Florida.
  • Your plan has participating hospitals, physicians, pharmacies, and mental health care providers within a 50-mile radius of the campus.
  • You plan provides inpatient/outpatient mental health care and chemical dependency benefits in Florida.
  • Your plan has a benefit for prescription medications in Florida.
  • Your plan covers laboratory and radiology expenses in Florida.
  • You are able to pay your health insurance plan deductible with your current resources.
  • Your plan has a maximum coverage benefit of at least $1,000,000.
  • Your plan provides $50,000 minimum coverage for medical evacuation and repatriation.
  • Your plan covers you through until the following Fall Semester (typically August of the next year).

You will be able to waive out of insurance through your Campus Solutions account.

 

Please contact your Student Health Center:

Daytona Beach
Phone: 386-226-7917
Email: dbhealth@erau.edu
Medical and Billing Specialist/Medical Office Manager – Jean Creak: creakn@erau.edu

Prescott
Phone: 928-777-6653
Email: prwellnesscenter@erau.edu

United Health Care Student Resources
Customer Service: 800-767-0700
Website: www.uhcsr.com

Plan Waiver

  1. Please go to your Student Homepage in your Campus Solutions account

  2. Click on the Finances or Profile Tab 
  3. Click on Complete Health Insurance Info 

Please note: The waiver needs to be completed once a year during the Fall waiver period if you are a continuing student. If
you are entering in either Spring or Summer A&B for the first time, you need to complete a waiver during that term and again in the Fall waiver period. 

Troubleshooting

  • If you have trouble logging into ERNIE with your PIN, you will need to reset it to continue. If the problem persists, please contact IT Support at 386-226-6990.
  • If you are using TRICARE insurance, you will need to input your social security number (SSN) in place of account number. Contact your TRICARE insurance representative if you need additional assistance with questions regarding your plan.

Waivers are only available during the posted dates.

Failure to waive the insurance by the semester deadline will result in the non-refundable insurance fee remaining on your student account. Embry-Riddle is not responsible for insurance waivers that are submitted after the deadline.

For additional assistance, please email dbhealth@erau.edu and view the UHCSR Student Waiver Guide Document.

If a student has met all applicable deadlines and received a denial through United Health Care Student Resources, they may appeal the decision to the ERAU SHIP Committee. Appeals must be submitted using the online form on or before September 15 of the Fall semester enrollment or March 1 for newly enrolled students in the Spring semester. Appeal forms received after this time will not be accepted. Using the appeal form, clearly outline the rationale for the appeal and include all supporting documentation relevant to the request. All decisions by the Appeals Committee are final. Students may not submit additional appeals.  

It is important that the plan declared provides access to comparable coverage while you are on campus. Students enrolled in an HMO or a plan purchased through their ‘home’ state’s Exchange may have excellent coverage while they are at home but may only be covered for emergency/urgent care when they are outside of their plan’s service area. Students enrolled in an out-of-state or out-of-county Medicaid plan will only have coverage within that state or county and will not have coverage outside of those areas except for emergency/urgent care. Only having coverage for emergencies and urgent care may result in a significant financial burden if the condition requires continued follow-up visits and diagnostic services.   

The first step in the United Health Care Student Resources waiver verification process is to compare your insurance coverage against our insurance database to determine if your plan covers you while you are on campus. The second step is to pass your information via Electronic Data Interchange (EDI) to your insurance company to verify that enrollment in the plan is active.  

As waivers pass through this process, they may deny for various reasons based on the status of your current insurance coverage. If you feel your request to waive has been denied in error, the information below will provide you with some general information on why your waiver was denied and steps that can be taken to reverse the denial.  

It is important to note the following:

  • If you received a denial from UHCSR due to missing documentation, send in the requested documentation to UHCSR before going through the appeals process. If after submitting documentation, the result is not an approved waiver, the next step is the appeals process.
  • Missed deadlines will not be a sufficient basis for an appeal. UHCSR communicates deadline information via email with students.
  • Missed email communications from UHCSR or ERAU will not be a sufficient basis for an appeal. Students are required to be familiar with the contents of official University notifications, and to respond to instructions and other official correspondence requiring a response.
  • All plans must be fully compliant with the minimal coverage as set forth by the American College Health Association (ACHA) Guidelines Standards for Student Health Insurance/Benefits Coverage and provide access to local primary care providers in the ERAU area. The ERAU-SHIP Appeals Committee will not approve waiver appeals based on coverage through a health cost sharing plan.
  • Students who have claims paid or pending since the first day of insurance coverage will not have their appeal accepted.

ID Card

Insurance ID cards will not be mailed out. They can be accessed through the United Healthcare website or in the United Healthcare mobile app:

Website

  1. Visit www.uhcsr.com/CreateAccount
  2.  Click on “Create My Account”
  3. Follow onscreen prompts; for the school ID, type in your ERAU ID #
  4. Create a Username and Password
  5. Log in to “My Account”

Mobile App

  • Download the UHCSR mobile app (App Store | Google Play) to view your insurance card and access additional information. Create “My Account” using the same steps noted above.

Tax Form 1095B

These are available directly from UHCSR:

For more information, please go to your ERNIE Account.

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