Insurance Plans

Plan I—Primary Insurance for Domestic and International Students

The Student Injury and Sickness Plan, underwritten by United Healthcare Insurance, provides primary first dollar benefits for students who do not have any insurance, or whose coverage is not accepted outside of their home area.

This plan provides coverage for 10 months (August 15, 2018 through June 14, 2019) for $2,160.00 USD for domestic or international students. For international students only: 12 months (August 15, 2018 through August 14, 2019) for $2,375.00 USD. Some of the benefits provided include:

  • zero deductible;
  • coverage of pre-existing conditions;
  • doctor’s visits covered at 100% of usual and customary charges; and
  • prescription drugs covered at 100% up to $2,500 annually.

Information for International Students

2018-19 United Healthcare Insurance Plan (Plan I)
Summary of Benefits for United Healthcare

INFORMATION FOR Domestic STUDENTS

Due to regulatory challenges, the Student Injury and Sickness Plan, underwritten by United Healthcare Insurance, for domestic students is being offered in 2 policies for the academic year. The benefits and exclusions of these 2 policies will be identical.

Fall 2018 Coverage (August 15, 2018 through December 31, 2018)
Fall 2018 United Healthcare Insurance Brochure (Plan 1)
Fall 2018 Summary of Benefits (Plan 1)

Spring 2019 Coverage (January 1, 2019 through June 14, 2019)
Spring 2019 United Healthcare Insurance Brochure (Plan 1)
Spring 2019 Summary of Benefits (Plan 1)

Additional Information on Domestic Insurance Plan

As you may know, the regulatory environment for health insurance has presented many challenges recently. We have worked with our broker, Clifford Allen Associates (CAA), diligently to craft solutions that provide the needed coverage for Domestic students while ensuring that we follow all relevant legislation, rulings and guidance.

For the 2018-2019 academic year, CAA is committed to providing coverage to our domestic students for the entire academic year. At this point, they are uncertain as to whether that coverage will be provided in a single policy or multiple policies. A final decision will be reached before later this Spring as to how this coverage will be provided.

In the event that more than one policy is needed, CAA will ensure complete consistency in the benefit design to avoid any confusion on the coverage offered. We are, therefore, providing the 2017-2018 academic year benefits plan as CAA’s intent for the upcoming academic year is to duplicate those benefits. Obviously, the appropriate effective dates will be updated as well.

Disclaimers: The 2017-2018 academic year benefits plan is a representation only. It is for illustrative purposes only and does not constitute the issuance or delivery of a policy of insurance for the 2018-2019 academic year. Changes in applicable legislation or plan design may result in differences between this information and the actual benefits of policy of insurance for the 2018-2019 academic year.

To enroll in this Plan, please complete the required Health Form Questionnaire. If you have questions regarding this plan, please contact the Health Center at 302-285-4240, or via email to healthcenter@standrews-de.org.

Plan II—Supplemental Insurance (Available to Domestic & International Students)

The Student Accident Insurance plan, underwritten by A.W.G. Dewar, Inc., is a supplemental plan that offers coverage for accidental bodily injury from August 31, 2018 through June 3, 2019, for $120.00 USD. If your child participates in sports and/or is prone to accidents, we highly recommend this plan. There is no limit on the number of accidents covered during the policy period. The plan will pay 100% of eligible expenses incurred for medical services, up to $2,500 for each injury. Claims are submitted by the Health Center or parent/guardian. Since this plan is a supplemental plan, it cannot be purchased and/or used as primary health insurance coverage.

PLAN DETAILS

2018-19 A.W.G. Dewar Student Accident Plan (Plan II)
Student Accident Insurance: Questions and Answers

To sign up for this plan, please complete the required Health Form Questionnaire. If you have questions regarding this plan, please contact the Health Center at 302-285-4240, or via email to healthcenter@standrews-de.org.