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 Student Health Insurance

 

OFFICIAL HEALTH INSURANCE GUIDE FOR STUDENTS

Click on the blue link above which will take you to information outlining the exclusive student benefits associated with the Student Health Insurance Plan (SHIP), compliance options for students and the Federal/University health insurance requirements.

Students can obtain a hard copy of the Health Insurance Guide at the Student Insurance Office in Plaza 149 or the main information desk on the first floor of the Student Success Building.

See additional health insurance information organized by subject headings below. 

 

What is SHIP (Student Health Insurance Plan)? 

The Student Health Insurance Plan (SHIP) is designed specifically for MSU Denver students taking nine (9) or more credit hours in the Fall or Spring semesters. SHIP is available to all students, regardless of immigration status.This comprehensive plan is designed to comply with federal law, save students money and time, and provide convenient access to quality medical care on and off campus.

 

Exclusive SHIP Benefits and Savings at the Health Center at Auraria

  • 100% coverage for all medical services; $0 office visits, procedures and supplies.
  • No deductible, no co-insurance, no co-payments.
  • $20 maximum cost per prescription.

        In addition …

  • SHIP also provides comprehensive coverage for medical services at hundreds of hospitals and medical offices across Colorado and nationwide.
  • SHIP is fully compliant with the Federal health insurance law.
  • No application is necessary. Students are automatically enrolled and charged when they register for nine (9) or more credit hours in the Fall or Spring semester.

SHIP provides twelve (12) months of insurance coverage for students taking nine (9) or more credit hours in both the Fall and Spring semesters. Fall semester insurance provides coverage for five (5) months and Spring semester insurance provides coverage for seven (7) months. Thus, premium rates for Fall and Spring semesters vary due to the difference in the number of months covered.  

Note: Students who initially register for nine (9) or more credit hours, but subsequently drop below nine (9) credit hours before the waiver compliance deadline, will automatically have the insurance charge removed from their tuition bill and will not be covered by the University offered health insurance for the current semester.

Students who enroll in nine (9) or more credits after the Fall or Spring Census deadline date are not eligible for the Student Health Insurance that semester. 


What is the Federal Law?

United States federal law (the Affordable Care Act) requires that all documented American citizens and legal residents be covered by health insurance that is compliant with the law’s provisions. Non-compliance can result in a fine assessed on federal taxes.


What do students need to do to meet the requirement?

MSU Denver students taking nine (9) or more credit hours in the Fall or Spring are required to have health insurance that complies with the federal law.

Students can meet the requirement by fulfilling option A or B:

Option A: Students can accept automatic enrollment in the University-sponsored Student Health Insurance Plan (SHIP). There is no need to take any action or to sign up for SHIP.

Enrollment in SHIP is automatic when a student registers for nine (9) or more credit hours in the Fall or Spring. The SHIP premium is automatically added to a student’s tuition and fee account.

Unlike any other health insurance plan offered through employers or Connect for Health Colorado, SHIP offers exclusive 100% coverage benefits for services at the Health Center at Auraria. The cost of SHIP is the same no matter how old you are, where you live, and is available to undocumented students.

To access current SHIP Premiums rates and dates of coverage, go to: http://msudenver.edu/healthcenter/premiums

Option B: Students insured by a federally compliant health plan can submit an online health insurance waiver form by the deadline to opt-out of the University sponsored SHIP. A waiver form is required for each Fall and Spring semester of attendance. 

Plans will be audited for compliance and verification of coverage. Once audit approval occurs, the SHIP premium fee will be removed from a student’s account. Waivers cannot be granted if submitted after the deadline or if the student’s health insurance does not meet federal requirements.

To fin waiver deadline dates and opt-out waiver instructions, go to: http://msudenver.edu/healthcenter/waiverinfo

Competitively priced premium, cost saving benefits and the same cost/availability for everyone:Unlike any other health insurance plan offered through employers or through Connect for Health Colorado, the cost of SHIP is the same no matter how old you are, where you live or what your personal risk factors are, such as smoking vs. non-smoking. Other health insurance companies charge different premium rates based on these factors. In addition, the SHIP is available to undocumented students who are not eligible to purchase insurance through Connect for Health Colorado. The SHIP does not require the completion of an application or health history form.

The annual premium cost, deductibles, co-insurance and cost saving plan benefits associated with the SHIP have consistently provided MSU Denver students a high quality and competitively priced health insurance option compared to other insurance alternatives available in Colorado.

Exclusive 100% coverage benefits at the Health Center at Auraria: The SHIP is also the only health insurance plan that provides 100% coverage at the Health Center at Auraria.Students with the SHIP can receive comprehensive medical care at the Health Center at Auraria - including primary care, urgent care, gynecology, orthopedics/sports medicine, mental health, x-rays and lab tests. The Health Center at Auraria is nationally accredited by the Accreditation Association for Ambulatory Health Care (AAAHC.) Physicians and medical personnel in family medicine, psychiatry, GYN and sports medicine are on staff. These professionals are specifically trained to provide medical care that addresses the unique needs and demands students encounter during their higher education experience.

Coverage off-campus: Students with the SHIP can also receive medical care off-campus without the need for a primary care referral. The SHIP provides coverage within the extensive Cofinity Provider Network (inside Colorado) and First Health network (outside Colorado). Most major hospitals in the Denver metro area are part of the Cofinity Network, as well as hundreds of primary care and specialist medical providers, including outpatient and urgent care facilities. 

On-Campus Medical Services

The Health Center at Auraria provides medical services to all students, regardless of their insurance coverage, and is nationally accredited by the AAAHC (Accreditation Association for Ambulatory Health Care).

  • Primary Care, Urgent Care and Mental Health Services (medical and preventive care for illness, injury, chronic conditions and mental health)
  • Staffed by physicians and medical personnel in Family practice, Orthopedics, Sports Medicine, psychiatry and GYN
  • On-site medications, x-rays and laboratory services
  • Students can be seen on a walk-in basis M-th 8 a.m. to 5 p.m. and Friday 8 a.m. to 3 p.m. or they can call to schedule an appointment

Insurance and Payment Options

For students participating in the Student Health insurance plan

Health Center services are paid at 100% for covered benefits, with no deductible and no co-pays, with a maximum prescription cost of  $20.

For students with Outside Health Insurance

The Health Center is an in-network medical provider for most insurance plans offered in Colorado. Students are responsible for applicable in-network co-pays and deductibles. A list of insurance plans the Health Center accepts can be found online at: http://healthcenter1.com/participatingoutsideinsuranceplans

For Students paying out-Of-pocket for All Services

To make access to health care more affordable, the Health Center automatically reduces all charges for self-pay patients by 50%.

Fall: $1065.00; Coverage period is August 20, 2017 – January 15, 2018 (5 months)

Combined Spring/Summer: $1491.00; Coverage period is January 16, 2018 – August 19, 2018 (7 months)

Fall 2017: September 7, 2017           Spring 2018: February 2, 2018


 Opt-Out Waiver Instructions

  • Visit the Student Hub on MSU Denver home page www.msudenver.edu
  • Under Web Services, click on Register.
  • Once you have logged in with your NetID and Password, go to the Insurance Waiver link under the Registration Menu. Select the current semester to waive. Please read all instructions before beginning the form, and be sure to hit the Submit button at the end in order to complete the process.
  • Once the waiver has been submitted, look for a confirmation e-mail” in your MSU Denver e-mail account and be sure to save this confirmation on your computer and/or print a copy for your records.
  • Please allow approximately 7-10 business days for a completed audit of your outside insurance information. Once waiver approval is granted, the insurance charge will be removed from your account.   
  • Watch for delivery of a “verification e-mail” in your MSU Denver e-mail account verifying that the audit of your insurance waiver was approved or denied. If you receive a denied waiver e-mail notice, please contact the Student Insurance Office immediately at (303) 352-7284 for more information.

New students taking nine (9) or more credits in Summer 2017 can opt-in to the Student Health Insurance Plan by June 13, 2017. The waiver opt-out requirement does not apply to Summer semester.

What is the Affordable Care Act (ACA)?

The Patient Protection and Affordable Care Act (PPACA) 2010 HR3590, or Affordable Care Act (ACA) for short, is the new health care reform law in America and is often called by its nickname Obamacare. The Patient Protection and Affordable Care Act is made up of the Affordable Health Care for America Act, the Patient Protection Act, and the health care related sections of the Health Care and Education Reconciliation Act and the Student Aid and Fiscal Responsibility Act. It also includes amendments to other laws like the Food, Drug and Cosmetics Act and the Health and Public Services Act. Since being signed into law, additional rules and regulations have expanded upon the law.*

Source: http://obamacarefacts.com/affordablecareact-summary/

 

What is a qualified health plan?

ACA-compliant coverage refers to a major medical health insurance policy that conforms to the regulations set forth in the Affordable Care Act (Obamacare). These plans can be sold on or off the exchange, but all new individual major medical policies sold after January 1, 2014 are required to be ACA-compliant. This means they must include coverage for the ten essential benefits* with no lifetime or annual benefit maximums, and must adhere to the consumer protections built into the law. *

Source: https://www.healthinsurance.org/glossary/aca-compliant-coverage/

Affordable Care Act (ACA) Essential Health Benefits: Each of the benefit categories listed below must be included by law for an insurance plan to be considered ACA compliant.

 

  • Ambulatory patient services (Out-Patient Care)
  • Hospitalization (In-Patient Care)
  •  Maternity and newborn care
  • Laboratory services
  • Mental health and substance use disorder services, including behavioral health treatment
  • Preventive and wellness services and chronic disease management
  • Rehabilitative and habilitative services and devices
  • Pediatric services, including oral and vision care
  • Emergency Services 
  • Prescription Drugs 

 

Exclusive 100% coverage benefits at the Health Center at Auraria

The Student Insurance Plan (SHIP) is the only health insurance plan that provides 100% coverage at the Health Center at Auraria.Students with the SHIP can receive comprehensive medical care at the Health Center at Auraria - including primary care, urgent care, gynecology, orthopedics/sports medicine, mental health, x-rays and lab tests. The Health Center at Auraria is nationally accredited by the Accreditation Association for Ambulatory Health Care (AAAHC.) Physicians and medical personnel in family medicine, psychiatry, GYN and sports medicine are on staff. These professionals are specifically trained to provide medical care that addresses the unique needs and demands students encounter during their higher education experience.

The SHIP offers students the following exclusive Health Center at Auraria benefits and savings:

  • 100% coverage for all medical services; includes $0 office visits, procedures and supplies
  • $20 maximum cost per prescription
  • No deductible, No Co-Insurance, No Co-Payments

SHIP also provides coverage for medical services at hundreds of hospitals and medical offices across Colorado and nationwide.

2016- 2017 MSU Denver Brochure

MSU Denver Student Health Insurance Office offers optional Summer Semester health insurance coverage to new students who register for 9 or more Summer credits by June 13, 2017. There is no mandatory requirement to enroll or waive summer coverage. It is intended to be optional coverage for new incoming students looking for quality healthcare. 

The summer health insurance premium is $690 and the coverage begins June 5, 2017, and ends August 19, 2017, for 11 weeks of comprehensive coverage. Your tuition account cannot be billed for the Summer health insurance premium, instead the summer premium must be paid by check or credit card, and submitted to the Student Insurance Office, Plaza 149. The coverage is a PPO 80/20 plan, with an annual deductible and includes a large network of doctors and hospitals throughout Denver metro area and across Colorado.This also includes nationwide coverage outside of Colorado.

Students who sign up for Summer semester health insurance have special benefits at the campus Health Center at Auraria, conveniently located in the Plaza Building 150. At the Health Center students have no office visit copay or deductible to meet, and visits are covered 100%. All prescriptions filled at the Health Center are $20 each. The Health Center at Auraria offers primary and specialty care for all students and having health insurance is not required to be seen. In addition, the Health Center at Auraria coordinates benefits with Aetna, Anthem, CIGNA, Cofinity, Humana, Rocky Mountain Health Plan, and United. Any student who is with one of these plans may present their insurance card at the Health Center's front desk and receive the same level of benefits as if they are using a provider off campus.

Print your Summer Coverage 2017 health insurance enrollment form, then once completed drop it off at Plaza Building 149, Student Insurance Office. 

 

Please call us Monday-Thursday 8-5pm, or Friday 8-3pm, at 303-556-2525 for more information about summer health insurance coverage or any of the services offered at the Health Center at Auraria.

The Student Health Insurance Plan (SHIP) is for MSU Denver students. There is no dependent coverage. Students needing additional dependent coverage are encouraged to review options on the Colorado Health Insurance Exchange

Students are advised to compare various plan options to determine which combination of coverage options best meets their needs. For example, consider comparing health insurance coverage in which the student is enrolled on SHIP and the dependent is enrolled in a separate dependent plan purchased on the Colorado Health Insurance Exchange; then compare coverage if both the student and the dependent are enrolled in a Colorado Health Insurance Exchange plan. This type of comparison is suggested to assist students in determining which health insurance options best meet their needs. Please contact the MSU Denver SHIP office at 303-352-7284 if you have questions or are in need of assistance. 

If an undergraduate student has less than 9 credit hours in the Fall, Spring or Summer semesters, or if a graduate student has less than 9 credit hours in the Fall, Spring or Summer semesters to graduate, they can enroll in the insurance plan for their last semester.

The MSU Denver Student Insurance Office requires that the student’s academic advisor in the major department provide written documentation that the student has less than the 9 hours to graduate and the student will graduate at the end of the enrolled semester.

The enrollment form, academic advisor letter, and CAPP report must be submitted directly to the Student Insurance Office, Plaza 149. For enrollment questions, please call 303-556-2525.

Graduating Enrollment Form

MSU Denver students have a number of health insurance options, such as Medicaid, Marketplace, Student Health Insurance, Catastrophic, or their parent’s plan. The University encourages you to compare several health insurance plan options to the University sponsored student health insurance, and their associated costs, to find the one that best fits you and your lifestyle.

Medicaid

If you are seeking to qualify for Colorado Medicaid, please keep in mind that the Health Center at Auraria is not a Medicaid provider or facility, however, the Health Center is a Medicaid Assistance site. This means that we have qualified staff who can help you navigate the Medicaid application process when you are ready. If in the future, you are in need of quality medical care, the Health Center at Auraria is a very cost effective option, with a 50% discount off services.

Any student who qualifies for Medicaid or Medicare can use it to waive out of the University’s health insurance. Click here for more information on how to submit a University health insurance waiver.  

Apply for Colorado Medicaid and Child Health Plan Plus Programs. 

Find an easy way to manage your Medicaid benefits click Colorado Peak.

 

IRS Tax Form 1095-B and Frequently asked Questions 

Colorado Marketplace

Of course there are other health insurance options for Metro students, including a variety of plans offered on Connect for Health Colorado, Colorado’s only official marketplace to apply for financial assistance to help reduce your premium costs.

For more information on open enrollment or how to qualify for coverage outside of open enrollment click Colorado Health Insurance Marketplace - Connect for Health Colorado.

Under 30?

Yet another option for Metro students is healthcare coverage for those under 30. Young adults can use a customized tool on the Healthcare.gov website to get a personalized guide that will help you make a decision. For more information click Healthcare options for young adults. 

Medicare

Medicare is the Federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Source: Medicare.gov

To find out if you qualify or to apply click Medicare.gov.

MSU Denver Student Health Insurance Office

MSU Denver Students can be assisted with any of their health insurance questions or concerns by contacting the Student Insurance Office at 303-352-7284.

MSU Denver Full Plan Policy

Please click here to search for a Cofinity Network Provider within Colorado

Please note that when accessing medical services provided by any Cofinity medical provider/facility applicable Deductibles, Co-pays and Co-Insurance will apply.  

Click here to search for firstHealth Network provider outside of Colorado

Please note that when accessing medical services provided by any First Health medical provider/facility applicable Deductibles, Co-pays and Co-Insurance will apply.

Participating students may access their health plan information, print a temporary medical I.D. card or find In-Network pharmacies, doctors, specialists and hospitals by clicking the links below.

MSU Denver Full Plan Policy

MSU Denver Summary of Plan Policy 2016 - 2017

MSU Denver Corridor Deductible Explained

Cofinity PPO Networking Directory (Inside Colorado)

First Health Network (Outside Colorado)

Medical Insurance Card


Participating students may access their individual claims and eligibility (under View my Account), update SSNs, print 1095B Form for tax purposes, or see United Healthcare Privacy Notice by visiting this link below.

My Ameriben

Prescriptions

Magellan Prescription Plan

Magellan RX Management is MSU Denver’s new prescription benefit provider. Magellan RX Management is dedicated to giving you the best service and resources to help you make better healthcare decisions.

Using Your Prescription Drug Card at Participating Retail Pharmacy Outlets

Students participating in the Student Health Insurance Plan will be mailed one I.D. card that is for both medical and pharmacy. If a prescription(s) must be filled prior to receiving your I.D. card, you must pay for the prescription(s) and submit a completed Prescription Claim Form to Magellan to have it apply to the plan benefits. Please submit a claim form every time you fill a prescription without your I.D. card! There is a $200 deductible to be satisfied first, then copays will apply. Please note: Prescriptions filled at the campus Health Center do not apply towards the $200.00 annual deductible. 

Prescription Drug Claim Form

Preventive Health Drug Lists

Magellan Rx Standard Formulary 2016

A participating pharmacy list, drug formulary and other online tools can be found at www.MagellanRX.com .

Magellan RX Management

4801 S. Washington Street, Suite 100

Phoenix, AZ  85034

Phone 1-800-424-5828

If you are no longer active on MSU Denver Student health insurance plan and are wanting to purchase other insurance, you may request a written letter of termination, also known as a " Certificate of Coverage", by contacting Ameriben IEC Group at 1-800-953-1801. This letter may be mailed or emailed to you so be sure to check your contact information on file with Ameriben. 

Travel Assistance – United Healthcare Global Services

Travel Assistance through United Healthcare Global provides the insured student with access to doctors, hospitals and pharmacies when faced with a travel or medical emergency while traveling 100 miles or more from his/her permanent residence or abroad. The program also provides emergency security and natural disaster assistance services when you are outside of your home country. Click on the links below for more information about United Healthcare Global.

Travel Assistance Benefits

UnitedHealthcare Global Services

 

Mailing Address:                   

Student Health Insurance Office  

PO Box 173362 

Campus Box 81

Denver, Co 80217-3362

Telephone: 303-352-7284

Fax: 303-556-5341    

Location:              

Plaza Buildling      

Suit 149

Hours:              

Monday -Thursday:         8:00 a.m. - 5:00 p.m.

Friday:                              8:00 a.m. - 3:00 p.m.            

 

 

CLAIMS PROCESSING:    Ameriben  or 800-953-1801

NETWORK PROVIDERS: Cofinity  (Inside of Colorado) or 800-831-1166

                                           First Health (outside of Colorado) or 800-226-5116