Student Health Benefits Plan (SHBP)

Student Health Benefits Plan (SHBP)


All full-time degree students attending the University of New Hampshire, either at the Durham or Manchester campuses, are required, as a condition of enrollment, to have adequate health insurance. 
Students will have the option of waiving this requirement if they present proof of adequate coverage; alternatively, students can acquire affordable health coverage under a plan sponsored by the University and administered by Consolidated Health Plans.

All full-time degree students attending the University of New Hampshire, either at the Durham or Manchester campuses, are required, as a condition of enrollment, to have adequate health insurance. 

Students will have the option of waiving this requirement if they present proof of adequate coverage; alternatively, students can acquire affordable health coverage under a plan sponsored by the University and administered by Consolidated Health Plans.

2013-2014 Student Health Benefits Plan Brochure

 

Wildcat Statue

Do I need to submit a new form this year?

All full-time students must complete a new waiver or enrollment form at the beginning of each academic year, or at the beginning of the spring semester when going from part-time to full-time. Information does not carry over from year to year.

Why does the University have a requirement for health insurance as condition of enrollment?

The insurance requirement has been instituted to support students in their academic pursuits. Specifically, having health insurance is a way to reduce the financial risk associated with medical and/or psychological care while attending school. It is also to ensure that students who need medical care beyond what the campus resources can provide - whether for physical or mental health – will have insurance that allows them to access such care. Students who do not obtain proper health care can affect the larger campus community in classrooms, residence halls and other public places, as well as through personal relationships on a college campus.

How does the University's Student Health Benefits Plan differ from the Health Services and Counseling Fee that students at UNH Durham already pay? 

The Health Services and Counseling Fee covers on-campus services offered at Health Services and the Counseling Center. When combined with a student’s health insurance plan, it provides for a complete health care package. A student's health insurance company is never billed for services covered by the health and counseling fee. If requested, any services received that are not covered by the fee can be billed to an individual’s insurance company. 

Can students waive coverage under the University's Student Health Benefits Plan?

Yes, in most cases. Students who have health insurance will be able to waive coverage under the University sponsored plan if their insurance plan meets or exceeds the established waiver criteria and a valid waiver form is submitted by the deadline. 

Will my Medicaid plan meet the UNH requirements? 

NH Healthy Kids and NH Medicaid meet the UNH requirements and can be used to waive the UNH insurance requirement. MaineCare has providers in the Durham, NH area that accept the coverage and provide routine care, so that is accepted as well. Medicaid plans from other states typically only cover emergency care if a student is in another state. Since they don't cover routine care, they would not meet the UNH requirement and cannot be used to waive the UNH insurance requirement. 

What if I am an International Student?

International students with F-1 or J-1 visas will be required to purchase the UNH Student Health Benefits Plan (SHBP); there is not an option to waive coverage under the SHBP.

What are the waiver criteria?

In order to waive coverage under the UNH SHBP, the student must be covered by an insurance plan that: 

  • has a lifetime maximum benefit of at least $500,000 
  • includes access to health care providers in the Durham, NH, or Manchester, NH area for both emergency and non-emergency health care conditions
  • includes at least 20 visits for mental health care services, and there are providers in the Durham, NH or Manchester, NH area that accept this coverage
  • includes prescription drug benefits 
  • will remain in effect for the entire academic year 
  • does not have a deductible greater than $500 (unless you are certain you have adequate financial resources to cover the deductible)
  • is in effect as of September 1, 2013, and there is no pre-existing condition exclusion or eligibility waiting period 

If your plan does not meet these criteria, please call the SHBP Coordinator at (603) 862-5140.

How will I be billed for the plan if I enroll?

If enrolling in the plan, the student-only cost will be billed by the University over two semesters (1/2 each semester). The cost of the plan will appear on the bills you receive for the fall and spring semesters. (Dependent coverage is payable directly to Consolidated Health Plans on an annual basis.)

Are there any important dates to keep in mind?

Yes, the following dates:

  • June 4, 2013 – online waiver/enrollment process opens for the 2013-2014 academic year.
  • June 27, 2013 – last day for undergraduate students to complete an on-line waiver form and not have the cost of the SHBP appear on the July bill. After this date, a charge for the SHBP coverage will be added to the student's bill
  • August 8, 2013 – UNH Durham undergraduate bills must be paid in full by this date in order to avoid any late payment charges. If the charge is not waived or paid by August 9th, a late fee will be applied.
  • September 13, 2013 - Last day for students to submit a waiver to avoid being default enrolled in and charged for the SHBP.
  • February 13, 2014 - Last day for students to submit a waiver to avoid being default enrolled in and charged for the SHBP.

What if I don't comply with the insurance requirement?

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, and the effectice date of the coverage will be the date the student is enrolled in the plan. Unqualified late enrollees are subject to benefit limitations that may apply for pre-existing conditions. In addition, students who knowingly falsify their insurance information so as to appear to comply with the insurance requirement may be sanctioned through the UNH Conduct System.

What is the coverage period for the plan?

  • Coverage for the 2013-2014 plan year begins August 23, 2013 and ends on August 21, 2014.
  • Coverage for those graduating in December 2013 or not returning to UNH for second semester ends on January 20, 2014. 

I am graduating at the end of the fall semester; will I need to pay for both semesters of coverage?

You will not have to pay for both semesters of coverage if you have filed an "Intent to Graduate" form. After graduating, your eligibility status will change and you will not be required nor have the option of continuing coverage under the UNH SHBP. However, if you return to the University to continue your studies as a full-time degree student, the insurance requirement will apply again.

What if I choose not to enroll in the SHBP now and want to later?

If you originally waive coverage under the SHBP, you will not be allowed to enroll in the plan until the next plan year unless you qualify as a Late Enrollee. There is not an option to enroll in the plan on a semester-by-semester basis, or at the beginning of the new calendar year, unless the Qualified Late Enrollee provisions apply.

What is a Qualified Late Enrollee?

This is a rare case in which a student may be approved to enroll in the plan after the enrollment deadline. Examples are students who involuntarily lose eligibility under a group health insurance plan due to a loss of employment or an attainment of a maximum age to be covered under a plan. Such students may apply as Qualified Late Enrollees for the SHBP if they request enrollment within 31 days of the involuntary loss. Documentation of involuntary loss of coverage must be provided to the Plan Administrator.

What if I change my status from a full-time student to a part-time student after the first semester?

If you were a full-time student first semester and enrolled in the UNH SHBP, you will have the option of continuing to be covered for the plan year, if you choose, if you are in the last semester of your program of study. You will also have the option to terminate coverage under the plan at the end of the first semester. Students who change to part-time AFTER the add/drop deadline for other reasons during the semester may continue their coverage until the end of the first semester. These part-time students do not have the option of continuing in the SHBP after the first semester ends. Students who change from full-time to part-time status DURING the add/drop period are not eligible to enroll in the plan. (Note: Enrollment in GRAD 800 is not considered full-time)

What if I change my status from a part-time student to a full-time student after the first semester?

You will have to complete the waiver process to provide proof of health insurance coverage once you become a full-time student. You will automatically be enrolled in the UNH SHBP for the second semester unless you complete a waiver by the deadline. 

Additional Information... 

Revised 03/31/2014