Health Fee FAQ
Why is the cost of the University health insurance increasing?
The University of Tampa greatly values the health and wellness of its students, and has always required a student health insurance plan for all full-time students. The U.S. Department of Health and Human Services has raised minimum requirements of coverage that has resulted in increased premiums. These plans are now required to be more comprehensive and have an annual limit of not less than $100,000 for essential benefits for this upcoming academic year, and higher dollar limits in following years.
Why is the University just now notifying students and parents of this increase?
The University is responding to the June 28, 2012, Supreme Court ruling, which upheld the constitutionality of the Patient Protection and Affordable Care Act (PPACA).
Why must I have University-provided student health insurance?
UT requires all full-time undergraduate and all international students to carry the University-provided student health insurance plan in order to reduce barriers to getting healthcare and increase access to on-campus care.
The reasons for requiring University-provided student health insurance include:
- The insurance plan provided is specifically designed for UT students and Tampa Bay area providers;
- Individual insurance policies change and sometimes coverage is lost during the course of an academic year. The University student insurance plan provides all full-time students with continuous and equal access to on-campus health and wellness services. The coverage is considerable and ensures that every full-time student may access care when s/he needs it;
- No student will fall through the cracks due to inadequate insurance coverage;
- The student health center can make appropriate referrals to in-network sub-specialist providers in the vicinity. Common referrals to off-campus sub-specialists include: orthopedic, psychology, ophthalmology, dermatology, and ear, nose and throat;
- During those times when the on-campus student health center is closed, students may access the UnitedHealthcare local network for needed after-hour services;
- Students who do not have insurance or adequate insurance and do not seek care can sometimes cause disruptions that impact the larger campus community;
- Students who do not seek care for their illnesses may put other students at risk;
- Counseling services are included in the student health plan;
- Students are less deterred from seeking counseling or certain health related medical attention because they know their health information is confidential only to them;
- The student insurance plan removes obstacles to accessing campus health and wellness services and benefits the student, institution and community.
I already have health insurance and would like to decline coverage under the UT policy.
Employer and individual health insurance policies can vary widely. While some policies provide excellent coverage, many policies do not cover out-of-network treatment provided by local health facilities and professionals in UT's regional area. For this reason, and for the benefits specified above, the University automatically enrolls students in the Student Health Insurance Plan, administered by UnitedHealthcare StudentResources, to enable them to use on-campus health and wellness services. Students cannot waive the student health insurance
Why didn't a student health fee show up on my bill in prior semesters?
The student health insurance was included as part of the student service fee in prior semesters. Beginning with the Fall 2012 semester, the student health fee will be billed as a separate item for easier readability.
Why can't my student opt out of the student insurance plan since we already have insurance?
Historically UT has provided one insurance plan for all full-time students. Providing those students with fair and easy access to on-campus primary care services aids the individual student, as well as the student body, and supports our educational mission that includes a comprehensive approach to health and wellness.
Why can't I use my existing insurance policy for visits to the campus health center?
The Dickey Health and Wellness Center contracts with UnitedHealthcare Student Insurance and is not an in-network provider to any other insurance plan. The Health and Wellness Center is an exclusive, private provider that exists for the sole benefit of UT students.
Do I need to cancel my current health insurance coverage since I will now have coverage under the University policy?
While the University-provided health insurance may become your primary student health insurance plan, we do not advise dropping any existing health insurance coverage at this time.
If I have an illness, am I required to visit the health center before seeking treatment from another provider?
Unless you are experiencing a medical emergency, you should seek medical treatment from the Dickey Health and Wellness Center. This will reduce out-of-pocket costs and allow health center staff to determine whether a referral to a specialist is necessary. Other in-network providers may be accessed for emergency and after-hours urgent care.
Where can I find information regarding the coverage and benefits provided under this policy?
Policy information can be obtained from UnitedHealthcare StudentResources. The 2012-2013 plan will be posted on Friday, July 13. Contact information can be found on the UnitedHealthcare website.
Who do I contact if I have questions or concerns regarding the Student Health Fee?
You can email the Dickey Health and Wellness Center at firstname.lastname@example.org.
I'm an international student and I have questions. Who can I contact?
You can email the Dickey Health and Wellness Center at email@example.com, or contact your admissions counselor. Continuing international students can also contact the International Programs Office at firstname.lastname@example.org.
What medical services are provided at the student health center?
- Evaluation and treatment of acute illnesses and injuries;
- Women’s services;
- Allergy injections (with serum provided by own allergist);
- Ability to dispense some prescriptions and over the counter medications on campus;
- Minor suturing and referral to local specialists as needed;
- Substance abuse services;
- Counseling center with counselors available for individual, group and crisis assessment and counseling; and,
- 24-hour on call staffing in counseling center for emergencies.