Student Health Benefits Plan (SHBP)
The waiver/enrollment process is only open to new UNH students
About the UNH Insurance Requirement
- All full-time degree students are required to have health insurance as a condition of enrollment
- Applies to students attending the Durham, Manchester, or Concord campuses
- Action must be taken each year; information doesn’t roll forward from year to year
- Students can be seen at Health Services regardless of what insurance they have
- Students are default enrolled in and charged for the UNH SHBP if they don’t submit a waiver by the semester deadline
Why Health Insurance is Required at UNH
- To ensure that students have access to health care services beyond what is available on campus
- To provide financial protection for major illness or injury
Coverage Details about SHBP
The SHBP provides 12 months of coverage; runs on the academic year calendar.
- Begins September 1, 2014 and ends on August 31, 2015 for full year students
- Coverage for those graduating or not returning to UNH in the spring semester ends on January 25, 2015
- Uses the Harvard Pilgrim Health Care network of providers
- Provides both in-network (HPHC providers) and out-of-network (non-HPHC providers) coverage
- Covers students while in the US or traveling abroad
- Includes medical evacuation and repatriation coverage
- Incorporates Basix Dental Savings Program to help students save money on dental services
Why You Should Enroll in the Student Health Benefits Plan (SHBP)
- Coverage is designed specifically for UNH students
- Voluntarily complies with the Affordable Care Act’s requirements; meets the individual mandate
- Could save your family money if you are the only child on your family’s plan
- Plan cost is only $190/month - Gold level plan at a Bronze level price!
UNH SHBP Compared to Plans in the Insurance Marketplace
- Students can rely on this plan as their sole source of medical coverage
- The cost is $190/month – a Gold level plan at a Bronze level price
- No deductible for in-network care and only a $250 deductible for out-of-network care
- Meets the minimum essential guidelines outlined in the ACA, has no limit on benefits – either medical or prescription
- Plan uses the Harvard Pilgrim Health Care provider network, but it provides both in-network and out-of-network care
- The pharmacy in the Health Services Center is the only in-network pharmacy, but there are also out-of-network options when students are away from Durham
- Provides coverage for students when they study abroad including medical evacuation and repatriation coverage
Paying for the UNH SHBP
- Cost of the plan will be billed over two semesters – 1/2 each semester (or $1,140 each semester)
- Cost will appear on tuition/fee bills as a separate line item
- Dependent coverage is payable directly to Health Plans, Inc. on an annual basis.
What You Need to Know About Waiving the UNH SHBP
To waive coverage under the UNH SHBP, students must be covered by a health insurance plan that meets all of the following criteria
- provides the 10 Essential Health Benefits specified in the Affordable Care Act (ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care);
- includes access to mental health care providers in the Durham, Manchester or Concord, NH, area;
- includes access to hospital and physician providers in the Durham, Manchester or Concord, NH, areas for BOTH EMERGENCY AND ROUTINE CARE;
- will remain in effect for the entire academic year (except for termination due to attainment of a maximum age, or other situation resulting in a loss of plan eligibility); and
- does not have a deductible greater than $500 (if it is greater than $500, you must certify that you have adequate financial resources to cover the deductible).
Students cannot waive enrollment in the UNH SHBP using
- an accident-only policy;
- a short-term limited duration health plan that does not meet the requirements of the Affordable Care Act (ACA);
- a ministry sharing plan, even if it is recognized by the ACA;
- Medicaid or other governmental health insurance policies that do not include participating in-network health care providers in the Durham, Manchester or Concord, NH area; or
- any other health benefits program (e.g., a community care program) that is not recognized by the State of NH as being health insurance (or is not a health benefits plan governed by the Employee Retirement Income Security Act of 1974) and does not meet each of the requirements specified above.
Do not falsify your insurance waiver information
- Students who are found to be uninsured or to have insufficient insurance coverage will be enrolled in the SHBP as an Unqualified Late Enrollee
- The cost of the plan will not be prorated
- The effective date of the coverage will be the date the student is enrolled in the plan
- Students who knowingly falsify their insurance information in order to appear to comply with the insurance requirement or who don’t obtain other coverage within 31 days after losing their original coverage are subject to charges for violation of the Student Code of Conduct
Frequently Asked Questions
What is considered full-time?
- For undergraduates: 12+ credit hours/semester
- For graduates: 9+ credit hours/semester OR 6+ credit hours with an assistantship OR enrollment in Grad 900 OR Grad 999
- Students must maintain full-time student status in order to remain in the UNH SHBP. Exceptions may be given for students who have been granted a medical withdrawal.
What are the requirements for international students?
- Students that are in the US with an F1 or J1 visa are required to enroll in the UNH SHBP
- They do not have the option to waive this coverage
What's the difference between the HEALTH FEE and the INSURANCE REQUIREMENT?
- The mandatory health fee covers some on-campus services offered at Health Services including health education offerings
- Insurance company is never billed for services which are covered by the health fee
- Combination of the health fee and health insurance provides a complete health care package for students
- Students can be seen at Health Services regardless of what insurance they have
- Mid-June – September 19, 2014: Open enrollment period; on-line elections (enrollments OR waivers) to be made for the 2014-15 academic year
- June 25, 2014: Last day for undergraduate students to submit an on-line waiver to Health Plans, Inc. to avoid the cost of the SHPB appearing on the July tuition/fee bill.
- August 7, 2014: Undergraduate bills (Durham and Manchester) must be paid in full by this date in order to avoid any late payment charges. After this date, if the SHBP is not waived or paid, a late fee will be applied.
- September 19, 2014: Last day to submit on-line enrollment or waiver election for the 2014-15 academic year and avoid being default enrolled and charged for the SHBP.
- December 11, 2014: Undergraduate bills (Durham and Manchester) must be paid in full by this date in order to avoid any late payment charges. After this date, if the SHBP is not waived or paid, a late fee will be applied.
- February 13, 2015: Last day to submit on-line enrollment or waiver election for the 2014-15 academic year and avoid being default enrolled and charged for the SHBP.
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