All registered Undergraduate students taking twelve (12) or more credit hours and graduate students taking nine (9) or more credits are automatically enrolled in the Student Health Insurance Plan, unless proof of other comparable coverage can be provided. All registered International students taking at least 1 credit hour unless the student is officially sponsored by their home government or agency that guarantees the student's health insurance fees as part of the student's contract with the Policy holder. All international students are required to have a J-1 or F-1 and their eligible dependents (who are not U.S. citizens) are required to have a J-2 or F-2 visa to be eligible for this insurance plan. All other degree-seeking Domestic students taking a minimum of 6 credit hours may participate in the plan on a voluntary basis.
Eligible students who do enroll may also insure their Dependents. Eligible Dependents are the student's legal spouse or domestic partner and dependent children under 26 years of age. The Named Insured may also cover a dependent child to the end of the year in which the dependent reaches age 30 under certain circumstances. See the Definitions section of the certificate for the specific requirements needed to meet the Domestic Partner policy.
The student (Named Insured, as defined in the Certificate) must actively attend classes for least the first 31 days after the date for which coverage is purchased. Home study, correspondence, and online courses do not fulfill the eligibility requirements that the student actively attend classes. The Company maintains its right to investigate eligibility or student status and attendance records to verify that the Policy eligibility requirements have been met. If and whenever the Company discovers the Policy eligibility requirements have not been met, its only obligation is refund of premium.
The eligibility date for Dependents of the Named Insured shall be determined in accordance with the following:
- If a Named Insured has Dependents on the date he or she is eligible for insurance
- If a Named Insured acquires a Dependent after the Effective Date, such Dependent becomes eligible:
- On the date the Named Insured acquires a legal spouse or Domestic Partner who meets the specific requirements set forth in the Definitions section of the Certificate
- On the date the Named Insured acquires a dependent child who is within limits of a dependent child set forth in the Definitions section of the Certificate
Dependent eligibility expires concurrently with that of the Named Insured.
Please read the certificate of coverage to determine whether this plan is right before you enroll. The certificate of coverage provides details of the coverage including benefits, exclusions, and reductions or limitations and the terms under which the coverage may be continued in force. Copies of the certificate of coverage are available from the University and may be viewed at www.uhcsr.com/floridatech. This plan is underwritten by United Healthcare Insurance Company and is based on policy number 2024-1116-1. The Policy is Non-Renewable One-Year Term Policy.
If you have questions please contact our campus partner, Haylor Freyer & Coon (833)-401-3341 student@haylor.com
Coverage Dates and Plan Cost
| Rates | Annual 8-10-25 to 8-9-26 | Fall 8-10-25 to 2-9-26 | Spring 2-10-26 to 8-9-26 | Spring/Summer 1-4-26 to 8-9-26 | Summer 5-3-26 to 8-9-26 |
|---|---|---|---|---|---|
| Student | $1,993.00 | $1,009.50 | $993.50 | $1,098.00 | $499.00 |
| Spouse | $1,993.00 | $1,009.50 | $993.50 | $1,098.00 | $499.00 |
| One Child | $1,993.00 | $1,009.50 | $993.50 | $1,098.00 | $499.00 |
| Two or More Children | $3,986.00 | $2,019.00 | $1,987.00 | $2,196.00 | $998.00 |
| Spouses and Two or More Children | $5979.00 | $3,028.50 | $2,980.50 | $3,294.00 | $1,497.00 |
NOTE: The amounts stated above include certain fees charged by the school you are receiving coverage through. Such fees may, for example, cover your school's administrative costs associated with offering this health plan.
The Insured Person must meet the eligibility requirements each time a premium payment is made. To avoid a lapse in coverage, the Insured Person's premium must be received within 14 days after the coverage expiration date. It is the Insured Person's responsibility to make timely premium payments to avoid a lapse in coverage.
Preferred Providers: The Preferred Provider Network for this plan is United Healthcare Choice Plus. Preferred Providers can be found here.
| Plan Item | Preferred Providers | Out-of-Network Providers |
|---|---|---|
| Overall Plan Maximum | There is no overall maximum dollar limit on the policy | There is no overall maximum dollar limit on the policy |
| Plan Deductible | $75 Per Insured Person, per Policy Year | $250 Per Insured Person, per Policy Year |
|
Out-of-Pocket Maximum After the Out-of-Pocket Maximum has been satisfied, Covered Medical Expenses will be paid at 100% for the remainder of the Policy Year subject to any applicable benefit maximums. Refer to the plan certificate for details about how the Out-of-Pocket Maximum applies |
$6,350 Per Insured Person, per Policy Year $12,700 for All Insureds in a Family, per Policy Year |
$6,350 per Insured Person, per Policy Year $12,700 for All Insureds in a Family, per Policy Year |
|
Coinsurance All benefits are subject to satisfaction of the Deductible, specific benefit limitations, maximums and Copays as described in the plan certificate |
20% Coinsurance |
depends on benefit-please refer to overview policy |
|
Prescription Drugs 30 Day Supply not subject to deductible |
$25 Copay for Tier 1 Up to a 30-day supply per prescription filled at United Healthcare Pharmacy (UHCP) Retail Network Pharmacy not subject to Deductible |
$25 Copay per per prescription generic drug Up to a 31-day supply per prescription 40% of billed charge not subject to Deductible |
|
Preventive Care Services |
100% of Allowed Amount |
40% Coinsurance |
| Emergency Department Copay waived if admitted to hospital |
$250 Copay then 20% coinsurance not subject to deductible |
$250 Copay then 20% coinsurance not subject to deductible. |
|
Urgent Care Center |
$25 copay then 20% coinsurance |
40% coinsurance |
| Specialist Copay | $25 Copay then 20% coinsurance not subject to deductible | 40% coinsurance |
If you are a student insured with this insurance plan, you and your insured spouse, Domestic Partner and insured minor child(ren) are eligible for United Healthcare Global Emergency Services. The requirements to receive these services are as follows:
International Students, insured spouse, Domestic Partner and insured minor child(ren): you are eligible to receive United Healthcare Global services worldwide, except in your home country.
Domestic Students, insured spouse, Domestic Partner and insured minor child(ren): you are eligible for the United Healthcare Global services when 100 miles or more away from your campus address or 100 miles or more away from your permanent home address or while participating in a Study Abroad program.
The Assistance and Evacuation Benefits and related services are not meant to be used in lieu of or replace local emergency services such as an ambulance requested through emergency 911 telephone assistance. All services must be arranged and provided by UnitedHealthcare Global; any services not arranged by UnitedHealthcare Global will not be considered for payment. If the condition is an emergency, you should go immediately to the nearest physician or hospital without delay and then contact the 24-hour Emergency Response Center. UnitedHealthcare Global will then take the appropriate action to assist you and monitor your care until the situation is resolved.
Key Assistance Benefits include:
- Emergency Evacuation
- Dispatch of Doctors/Specialists
- Medical Repatriation
- Transportation After Stabilization
- Transportation to Join a Hospitalized Insured Person
- Return of Minor Children
- Repatriation of Remains
Also includes additional assistance services to support your medical needs while away from home or campus. Check your certificate of coverage for details, descriptions and program exclusions and limitations.
To access services please refer to the phone number on your ID Card or access My Account and select My Benefits/Additional Benefits/UHC Global Emergency Services.
When calling the UnitedHealthcare Global Operations Center, please be prepared to provide:
- Caller's name, telephone and (if possible) fax number, and relationship to the patient;
- Patient's name, age, sex, and UnitedHealthcare Global ID Number as listed on the back of your Medical ID Card
- Description of the patient's condition;
- Name, location, and telephone number of hospital, if applicable;
- Name and telephone number of the attending physician; and
- Information of where the physician can be immediately reached.
All medical expenses related to hospitalization and treatment costs incurred should be submitted to UnitedHealthcare Insurance Company for consideration and are subject to all Policy benefits, provisions, limitations, and exclusions. All assistance and evacuation benefits and related services must be arranged and provided by UnitedHealthcare Global. Claims for reimbursement of services not provided by United Healthcare Global will not be accepted. A full description of the benefits, services, exclusions and limitations may be found in your certificate of coverage.
Starting on the effective date of your coverage under the student insurance plan, you have 24/7 access to medical advice through HealthiestYou, a national telehealth service.* By visiting www.telehealth4students.com, you have access to board certified physicians via phone and/or video, where permitted. This service is especially helpful for minor illnesses, such as allergies, sore throat, earache, pink eye, etc. Based on the condition being treated, the doctor can also prescribe certain medications, saving you a trip to the doctor’s office. Using HealthiestYou can save you money and time, while avoiding costly trips to a doctor’s office, urgent care facility, or emergency room. As an insured with Student Resources, there is no consultation fee for this service.* Every call with a HealthiestYou doctor is covered 100% during your policy period. You can learn more about this benefit and how to use it in My Account.
This service is meant to complement your Student Health Center. If possible, we encourage you to visit your SHC first before using this service
HealthiestYou is not health insurance. HealthiestYou is designed to complement, and not replace, the care you receive from your primary care physician. HealthiestYou physicians are an independent network of doctors who advise, diagnose, and prescribe at their own discretion. HealthiestYou physicians provide cross coverage and operate subject to state regulations. Physicians in the independent network do not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. HealthiestYou does not guarantee that a prescription will be written. Services may vary by state.
*Available to Insured students and their covered Dependents; age restrictions may apply. If you call prior to the effective date of your coverage under the insurance plan, you will be charged a service fee before being connected to a board certified physician.
Starting on the effective date of your coverage under the student insurance plan, you have access to mental health providers through a national virtual counseling service.* Psychiatrists, psychologists and licensed therapists are available to you through a variety of communication methods, including phone and video.
As an insured with Student Resources, there is no consultation fee for this service. Every communication with a provider is covered 100% during your policy period.
*Available to Insured students and their covered Dependent; age restrictions may apply, depending on your state.
UnitedHealthcare StudentResources does not treat members differently because of sex, age, race, color, disability or national origin.
If you think you were treated unfairly because of your sex, age, race, color, disability or national origin, you can send a complaint to:
Civil Rights Coordinator
United HealthCare Civil Rights Grievance
P.O. Box 30608
Salt Lake City, UTAH 84130
UHC_Civil_Rights@uhc.com
You must send the written complaint within 60 days of when you found out about it. A decision will be sent to you within 30 days. If you disagree with the decision, you have 15 days to ask us to look at it again.
If you need help with your complaint, please call the toll-free member phone number listed on your health plan ID card, Monday through Friday, 8 a.m. to 8 p.m. ET.
You can also file a complaint with the U.S. Dept. of Health and Human Services.
- Online https://ocrportal.hhs.gov/ocr/portal/lobby.jsf
- Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.
- Phone: Toll-free 1-800-368-1019, 800-537-7697 (TDD)
- Mail: U.S. Dept. of Health and Human Services. 200 Independence Avenue, SW Room 509F, HHH Building Washington, D.C. 20201
We also provide free services to help you communicate with us. Such as, letters in other languages or large print. Or, you can ask for free language services such as speaking with an interpreter. To ask for help, please call the toll-free member phone number listed on your health plan ID card, Monday through Friday, 8 a.m. to 8 p.m. ET.
We provide free services to help you communicate with us, such as, letters in other languages or large print. Or, you can ask for free language services such as speaking with an interpreter. To ask for help, please call toll-free 1-866-260-2723, Monday through Friday, 8 a.m. to 8 p.m. ET.