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Frequently Asked Questions

General Information

Eligibility

Dependent Coverage

Payment Options

Coverage


General Information

Does Student Health and Counseling Services require that I have this insurance?
Students do not need insurance coverage to use the services of the Student Health and Counseling Center. Point Park’s Health and Counseling Services are designed to be a source of primary health care during a student’s year at school. There may be times, however, when more extensive medical treatment or emergency care is needed. UPMC Health Plan is able to provide services in these circumstances for its members.

When will my coverage become effective?
Coverage will be effective when UPMC Health Plan has received correct payment and enrollment information, which will be accepted between August 1, 2010, and September 15, 2010.

What is the period of coverage?
Point Park University Student Health Plan defines its benefit year as August 1, 2010, to July 31, 2011. An opportunity to enroll in the middle of the benefit year occurs with the spring semester and covers the period from January 1, 2011, to July 31, 2011. Although the benefit year time frame is set, coverage does not begin until UPMC Health Plan has received correct payment and enrollment information.

What is open enrollment and when does it occur?
Open enrollment is the period during which a student may enroll for coverage. Students enrolling for the fall semester have until September 15, 2010, to enroll for health care coverage. Students who are not eligible for the fall semester but who become eligible for the spring semester may enroll during the period that ends January 31, 2011.

What if a student lives in another state but attends one of Point Park University’s campuses? Is this student covered while he or she is outside of Western Pennsylvania?
This student plan provides out-of-network coverage. For more information, visit www.upmchealthplan.com. If a student travels outside of the plan area and needs emergency or urgent medical care, he or she can call Assist America at 1-800-872-1414 (in the United States) or 1-609-986-1234 (for travel outside of the United States). This benefit helps members locate providers.

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Eligibility

Who is considered an eligible student?
All registered full-time students are eligible for coverage under UPMC Health Plan. The number of credits an individual must carry to be considered a full-time student depends on the degree program. Please check with Student Health and Counseling Services. If UPMC Health Plan discovers the eligibility requirements are not met, its only obligation is to refund the premium. Eligible students who enroll may also insure their dependents. Eligible dependents include the spouse and any unmarried children under 19 years of age, or up to 23 years of age if the children are full-time students at an accredited institution of higher learning and are not self-supporting.

What if I am not eligible by August 1, 2010, but become eligible for the spring semester?
A student who becomes eligible for the spring semester can enroll any time during the open enrollment period between December 1, 2010, and January 31, 2011. The effective date of coverage for this open enrollment period occurs when all application enrollment forms and payment are accepted by UPMC Health Plan. Application enrollment forms will be accepted through January 31, 2011.

What if I register as full-time but later decide to drop a class?
Only full-time students are eligible for this student health plan. If dropping a class puts a student below the minimum req uirements for full-time status, then coverage will be erminated. Termination is retroactive to student’s effective date of coverage and premium payments will be refunded to the student.

As a member, do I have to do anything in order to continue my coverage for spring 2011?
Students who pay an annual premium are not required to do anything for the spring semester and are covered through July 31, 2011. Students who choose the installment plan (paying half the premium by September 15, 2010, and the other half by January 15, 2011) are responsible for making a timely renewal payment.

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Dependent Coverage

Is there a “family deductible” in this student benefit plan?
No. All student and eligible dependents (spouse and children) are required to satisfy an individual deductible each plan year. There is no family deductible for this student benefit plan.

Can I add a newborn child to my coverage?
Yes. Your newborn will automatically be covered by UPMC Health Plan for 31 days from the date of birth. Unless you call the Health Plan at 1-888-876-2756 to enroll your son or daughter within this 31-day period, your child will lose coverage on the 32nd day following birth. Likewise, a child legally placed with a covered student for adoption or a legally adopted child of a covered student will automatically be covered for 31 days from the date of placement. The covered student must call the Health Plan within 31 days of placement for the coverage to continue. In all of these instances, your premium may be adjusted.

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Payment Options

What if UPMC Health Plan receives my payment and enrollment form after the enrollment deadline?
If UPMC Health Plan receives an enrollment form and premium after the payment deadline date, the money and form will not be accepted and will be returned to the student.

What if I cannot pay the annual premium in one payment?
An alternative payment option allows students to pay for their medical coverage in two installments. Provided the first half of the premium payment and the enrollment application were postmarked by September 15, 2010, the second half of the premium must be paid by January 15, 2011. Premium bills for the second half of the year will be mailed in December.

What method of payment can I use to pay the premium for the student health plan coverage?
The student may pay for the student health plan coverage with a credit/debit card, check, or money order. If payment is made with a debit/credit card, the payer must call the student payment line at 1-800-889-2193 to make the payment. The completed enrollment form should be mailed back in the enclosed postage-paid envelope. If payment is made with a check or money order, it should be mailed with the completed enrollment form in the enclosed postage-paid envelope.

Under what circumstances can premiums be refunded?
If Point Park University determines that you do not qualify as an eligible full-time student, your coverage will be terminated retroactive to the effective date. Your premium will be refunded. If you enter the armed forces, your premium will be refunded from your effective date in the armed forces.

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Coverage

What are some of the non-covered services?
In addition to items that are considered standard exclusions, the following is a list of non-covered services:

Where can I get a directory or list of participating providers?
Visit the UPMC Health Plan website at www.upmchealthplan.com.

What if I have been seen by a non-network physician?
Visits to non-network providers are covered at 60 percent of reasonable and customary charges after the student meets his or her deductible.

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