Student Health Insurance Plan

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 your plan provide coverage while you are enrolled at Embry-Riddle Aeronautical University? 
• 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 care including office visits and mental health care and chemical dependency, including counseling and psychotherapy benefits in Florida or Arizona?
• 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?
• Does your plan provide essential services with unlimited lifetime maximums? Most domestic policies follow this criteria as guided by the current US regulations of the Affordable Care Act.
• Does your plan provide coverage for immunizations, screenings, and other preventative services?

International Students Only:

• Repatriation: $25,000 coverage to return the student’s remains to his/her native country
• Medical Evacuation: $50,000 to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge

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 

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 19, 2023? 

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, 2023 through August 15, 2024.  

The waiver process can be found once you are enrolled in classes by navigating to ERNIE > Student Homepage > Finance Tab > Complete Health Insurance Info.

If you enroll during the fall term, you will need to complete the waiver annually. Additionally, if you start taking classes in the spring or summer term, you will be required to complete the waiver again during the fall term. For instance, if you enrolled in Summer B and completed the waiver in June, and then enrolled in the fall term, you would need to complete it again in July. If you have any questions about when to complete the waiver, please contact us at 386-226-7917.

In order to access the waiver, you must be enrolled into classes, please note that there is a 48-hour holding period after you have been successfully enrolled into a class. Example if you enrolled on July 5th the waiver will be available to you on July 7th.

The student insurance plan offers you:

• Access to United Healthcare’s nationwide network of health care professionals, including primary care and specialist doctors; Dental and Vision coverage can be purchased separately.

• Healthiest You: 24/7 Doctor Access www.telehealth4students.com

• 24/7 Student Support

• Healthiest You: Virtual Counselor Access

• Travel Assistance Services and Worldwide Medical coverage while traveling abroad.

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).

Overview of Plan Benefits

When Travelling Out of State/Out of the Country — UHC Global  

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 # is on your SR ID card or in My Account.  For more information on UHC Global, please go to the following website:  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

Please download the

• Domestic Medical Summary Brochure or
• International Medical Summary Brochure

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.

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 2023-2024 semesters:

Medical 

The vision plan has changed this year to a Direct Enrollment, Individual Voluntary Plan by UHCOne. You have the option to choose from different plans.

Visit uhcone.com for the vision benefit options, features, and summary. You will be asked to provide some basic demographic information before receiving your free quote. Your quote will include all the options available to you so you can select the plan that works best for you and your situation.

The dental plan has changed this year to a Direct Enrollment, Individual Voluntary Plan by UHCOne. You have the option to choose from different plans.

Visit uhcone.com for the dental benefit options, features, and summary. You will be asked to provide some basic demographic information before receiving your free quote. Your quote will include all the options available to you so you can select the plan that works best for you and your situation.

If you are under the age of 19 and enroll into the UHCSR insurance it includes Dental and Vision coverage. This rider program provides coverage for Vision and Dental Care Services, as explained below.

Under this riderprogram, the benefits will end on the earlier of two conditions: 1) the last day of the month when the insured person turns 19 years old, or 2) the date the insured person's coverage under the Policy is terminated.

Coverage becomes active at the same time the Health Insurance is active.

For more information on the rider policy, you can find it starting from page 40 on the certificate of coverage.

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

Enrollment dates are the same as waiver dates.

Enrollment/Waiver Step-by-Step Instructions 

• Student Health Insurance Enrollment and Waiver Process Guide

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.
• Your plan provides inpatient/outpatient care including office visits and mental health care and chemical dependency, including counseling and psychotherapy benefits in Florida or Arizona.
• Your plan has a benefit for prescription medications in Florida.
• Your plan covers laboratory and radiology expenses in Florida.
• Your plan provides essential services with unlimited lifetime maximums.
• Your plan provides coverage while you are enrolled at Embry-Riddle Aeronautical University.
• Repatriation: $25,000 coverage to return the student’s remains to his/her native country
• Medical Evacuation: $50,000 to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge
• Your plan provides coverage for immunizations, screenings, and other preventative services. 

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: dbwaiver@erau.edu
Medical and Billing Specialist/Medical Office Manager – Jean Creak: creakn@erau.edu
University Medical and Billing Specialist – Pebbles Hecht: klairchp@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

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:

• Email dbhealth@erau.edu
• Download the UHCSR Student Waiver Guide Document
• Download the Student Health Insurance Enrollment and Waiver Process Guide

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 initiated from your denial email from UHCSR or submitted through email on or before the waiver deadline. Appeal requests received after this time will not be accepted.   

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.  Medicaid plans are not accepted. 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 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.

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.

• Create My Account
• UHCSR MobileAppFlyer

These are available directly from UHCSR:

• Phone: 1-800-767-0700
• Website: https://www.uhcsr.com/IRS-Form-1095B