Frequently Asked Questions (FAQ)

UH Student Plan

2014-2015 UH-Chaminade Student Health Insurance Frequently Asked Questions and Answers

Before you proceed, if you are an international student, please refer to the "International" section of this website.

GENERAL QUESTIONS

UH STUDENT PLAN QUESTIONS

Important for Current Student Plan Members (enrolled during Fall 2014)

Eligibility

Plan Benefits & Provider Network

Plan Rates

Enrollment

Dependents

Cancellation

Who to Contact

GENERAL QUESTIONS


Is it mandatory for UH students to have health insurance?

Health insurance is only mandatory for international students; however, the Student Health Insurance Committee encourages all students to think about their health insurance needs and to enroll in a plan that provides adequate coverage.

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What kind of health insurance is available to me as a UH student?

UH and Chaminade have endorsed HMSA (Hawaii Medical Service Association) as the plan provider for the 2014 - 2015 academic year.

HMSA, an independent licensee of the Blue Cross and Blue Shield Association, is a reliable name in Hawaiʻi health care. Established in 1938, they are the largest and most experienced provider of health care coverage in the state. Over half of Hawaiʻi's population has chosen HMSA for their health care coverage. HMSA was chosen as the current UH endorsed plan based on a combination of cost, benefits, claims payment and customer service.

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Where can I find more information on the student plan?

For complete information about the plan, premiums, eligibility requirements, application form, and a listing of participating providers, go to: www.hmsa.com/portal/student

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I am a visiting scholar (post-doc); can I purchase the student plan?

It may be possible. Certain categories of visiting scholars (domestic or J-1 visa holders) are eligible to purchase the plan. Go to Scholars (Post-Docs) for more information.

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UH STUDENT PLAN QUESTIONS

IMPORTANT FOR CURRENT UH STUDENT PLAN MEMBERS (enrolled during Fall 2014):

How do I renew my plan for the Spring 2015 semester?

Bill for Spring 2015 Insurance Premiums: HMSA mailed your bill for the Spring 2015 insurance premium around December 10. The bill was mailed to the address that you put on your application form (unless you notified them of any changes after your initial enrollment).

If you still meet the eligibility requirements and would like to continue your Student Health Insurance Plan, simply pay the bill by January 1, 2015. Payment should be made directly to HMSA with your bill you can make your payment online from December 1-31. REMINDER: online payment is by credit card only and also includes an additional $10 processing fee.

IMPORTANT : If you do not receive your bill by December 22, please contact HMSA's Customer Service Department at (808) 948-6111. If you do not pay by January 1, your Student Plan will be cancelled as of January 1, 2015 (last day of coverage December 31, 2014) and you will have to reapply as "new" for the Spring semester if you meet the eligibility requirements.

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Are there any changes for the upcoming coverage period?

Any rate and plan changes/updates can be found throughout the year at www.hmsa.com/portal/student.

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Eligibility

Who can enroll on the student plan (eligibility)?

Students must be enrolled at least half time in the University of Hawaiʻi system (Hilo, Mānoa, West Oʻahu and all community colleges). This means a minimum of six credits (undergraduates) or four credits (graduate students) are required each fall and spring semesters and three credits during the summer session.

Exceptions: Students taking less than the minimum credits required may enroll on the plan if the class(es) being taken are all that is required to graduate. A letter from the student's department/advisor confirming this should be attached and mailed with the HMSA application and payment. Also, one credit of thesis (700) or dissertation (800) research meets the minimum eligibility requirement.

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How do I prove that I am eligible for the student plan?

Enrolling Online: UH Student ID number is required and HMSA will verify your eligibility with UH.

Enrolling by Hard Copy (mail or in person at HMSA): A copy of your class schedule (with credit hours) for the semester that you are applying for is required (example: if applying for the fall semester, a copy of your fall class schedule is required).

Exception: For students taking less than the required minimum credits (because that is all they need to graduate), you need to submit a copy of your class schedule (with credit hours) for the semester that you are applying for (example: if applying for the fall semester, a copy of your fall class schedule is required) AND you also need to submit a letter from your advisor confirming that you only need this class to graduate.

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When do I need to show proof that I am eligibility for the student plan?

Eligibility is checked when you first enroll on the student plan, if you are cancelled and have to reapply for the student plan and every fall.

Please be aware that your eligibility for the student plan is monitored throughout the semester(s).

Periodically HMSA and UH perform a recertification of eligibility which may occur after the semester is already in progress. If UH is not able to confirm your eligibility, HMSA will contact you to request a copy of your current class schedule with credit hours. If you are unable to furnish a copy of your current class schedule or do not have the appropriate number of credit hours, your coverage will be terminated retroactive back to the effective date of the semester. All claims paid on your behalf will be deducted from any refund you may receive.

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If I withdraw from school, am I still eligible to stay on the student plan?

No. You are eligible for student insurance only while enrolled in school and taking the minimum number of credits required. Once you notify HMSA of your withdrawal date, a refund for the coverage paid for but not used will be processed and mailed to you. Go to www.hmsa.com/portal/student for cancellation information.

For those students who are no longer eligible for the UH Student Plan, HMSA does offer individual plans which you can purchase. Contact HMSA's Community Sales & Services for more information (808-948-5555).

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Can I stay on the student plan after I graduate from UH?

No. You are eligible for student insurance only while enrolled in school and taking the minimum number of credits required.

For those students who are no longer eligible for the UH Student Plan, HMSA does offer individual plans which you can purchase. Contact HMSA's Community Sales & Services for more information (808-948-5555).

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Plan Benefits & Provider Network

What are the plan options and benefits of the student plan?

Go to UH Student Plan: Plan Options & Benefits to view options.

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Can I switch my benefit plan option next semester?

No, you may only change benefit plan options during the annual open enrollment period which is every fall semester.

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Is prescription drug benefits covered through the student plan?

With the Afforable Care Act, drug benefits became mandatory. Prescription drug benefits are now included in all Student Plan benefit options. You'll receive a broad range of medication choices at a low (or reasonably low) price.

For more information go to www.hmsa.com/portal/student.

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Is dental benefits covered through the student plan?

Dental benefits are offered through the Student Plan. You'll receive comprehensive benefits at an affordable price for cleanings, X-rays, fillings, and major dental services. To qualify you must also be enrolled in the University of Hawaii/Chaminade Student Medical Plan.

For more information go to www.hmsa.com/portal/student.

If all you want is a cleaning, contact the UH School of Dental Hygiene. As part of their curriculum, the students have to work in the clinic and during the fall and spring semesters they see UH students as well as the general community. There is a flat rate for cleanings and they are located on campus at Hemenway Hall room 200 (2445 Campus Road). Call 956-8229 for more information.

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Is vision benefits covered through the student plan?

No, vision benefits are not offered through the Student Plan. If you want vision, you can contact other insurance companies (i.e. Vision Service Plan (VSP) ) for information.

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Can I go to any health care provider?

Yes, but you will pay much less if you go to a HMSA participating provider. The large majority (96%) of health care providers and facilities in Hawaiʻi, except Kaiser, are HMSA participating providers.

Go to www.hmsa.com/portal/student to see a list of HMSA's participating providers.

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Plan Rates

How much does the student plan cost?

Go to UH Student Plan: Plan Rates to view current rates.

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Enrollment

When can I sign up for the student plan and what are the coverage dates?

Enrollment is only accepted during the enrollment dates for each semester. Once the deadline has passed, you will no longer be able to enroll until the next semester.

Go to UH Student Plan: When to Enroll & Coverage Period for enrollment dates.

NOTE: F-1 international students should enroll before the UH registration and payment deadline since insurance holds will not be cleared until insurance coverage is proven.

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Do I have to enroll in the plan for the whole year?

No, you can enroll by semesters (Fall 8/20-12/31/14; Spring 1/1-5/19/15; Summer 5/20-8/19/15) or a combination of semesters (Fall & Spring or Spring & Summer) or annually (Fall, Spring & Summer).

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How can I purchase the student plan?

There are 2 ways to enroll:

1. Online (www.hmsa.com/portal/student)
UH Student ID number is needed to enroll online. Online enrollment requires payment by credit card (Mastercard or Visa) and a $10 credit card processing fee will be added to your insurance premium.

Scholars (Post-docs) may not apply online.

2. Hard Copy (mail or in person at HMSA)
Mail the completed & signed student plan application, USAble Life beneficiary form (if applying for benefit option #2 or #4), a copy of your class schedule (with credit hours) for the semester that you are applying and a check or money order (made payable to HMSA) for the entire semester's premium to:

HMSA
6/AMS
PO Box 860
Honolulu, HI 96808-0860

Application and beneficiary form can be found at the back of the benefit summary or it can be downloaded from the website www.hmsa.com/portal/student

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Dependents

Does the plan cover dependents?

Yes, you can purchase either an individual, two-party (student & 1 dependent) or a family plan (3 or more dependents). NOTE: dependent children are covered up to age 26.

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When can I add a dependent?

A dependent can be added to the Student Plan at 3 different times: 1) the same time when the subscriber is enrolling 2) within 31 days of a life changing event such as marriage or birth or 3) if you miss the 31 day window, then a dependent can only be added during the annual open enrollment period in July/August (fall semester).

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How do I add a dependent?

Subscriber must submit a letter to HMSA.

Letter must include:

Subscriber name
HMSA subscriber number
Phone number and address
Action to be taken: add spouse or newborn to plan (also include information below)
Spouse - include full name, date of birth & copy of marriage certificate
Newborn - include full name, date of birth & copy of birth certificate

Mail letter & documentation to:

HMSA
6/AMS
Attn: UH/Chaminade Student Plan
PO Box 860
Honolulu, HI 96808-0860

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Cancellation

What is the cancellation policy?

Cancellations/refunds will not be processed once the enrollment deadline has passed for each semester. If you want to cancel your coverage prior to the enrollment deadline, you need to submit a letter requesting your cancellation and refund to the address below:

Individuals who drop out of UH will not be covered under this plan and claims will not be paid. Should you withdraw from school and need a refund, you need to submit your request in writing with a letter from your campus registrar documenting your withdrawal date and send it to the address below:

HMSA
6/AMS
Attn: UH/Chaminade Student Plan
PO Box 860
Honolulu, HI 96808-0860

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Who to Contact

If I need to speak to someone about the plan who can I call?

If you are not a student plan member and have a question, need more information or want to apply, you can call HMSA's Community Sales & Service Dept. at (808) 948-5555.

If you are currently on the student plan and have questions regarding your benefits, claims, or bill you can call HMSA's Customer Service Dept. at (808) 948-6111 or 1-800-776-4672.

For questions regarding the UH Student Plan or insurance requirement for UH Mānoa F-1 international students you can contact the Student Health Insurance Coordinator at (808) 956-5361 or shio@hawaii.edu.

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