Student Health Insurance Plan

UnitedHealthcare Student Resources

Customer Service: 800-767-0700
Website: www.uhcsr.com

Medical and Billing Specialist for Daytona Campus

Jean Creak: creakn@erau.edu

Medical and Billing Specialist for Prescott Campus

Stacy Hernandez: hernas39@erau.edu; 928-777-4763

Our insurance specialists operate remotely, and, as a result, in-office appointments are not available.

Insurance Appeals: wverification@uhcsr.com

If you wish to appeal a denial. Allow 5-7 business days for review. Please attach relevant info and explain why you believe your insurance meets the requirements. Prior to appealing, contact your insurance's eligibility department to review waiver requirements.

Daytona Campus Only: If you want to check your waiver status or enroll in the UHCSR health plan, email us at dbwaiver@erau.edu. You can enroll anytime if you lose private insurance coverage. Your health insurance will be backdated to the nearest academic start. For instance, if coverage is lost in October, enrollment will cover from 08/16/2023-08/15/2024.

Daytona Beach Health Services

Phone: 386-226-7917
Fax: 386-226-6068
Email: dbhealth@erau.edu

Prescott Health Services

Phone: 928-777-6653
Fax: 928-777-3850
Email: prwellnesscenter@erau.edu

Embry-Riddle Aeronautical University (ERAU) Health Services is committed to taking care of our ERAU Campus Community. The university requires that all students enrolled in classes at the Daytona Beach Campus to carry health insurance coverage that provides coverage in the area they are attending classes. Unexpected medical expenses or an illness left untreated can hinder a student’s ability to complete their academics and/or can cause an unnecessary financial burden.   

All students are automatically enrolled into UnitedHealthcare Student Resource (UHSCR), unless the student can prove alternate coverage that meets the following standards:

• Does your plan provide coverage while you are enrolled at Embry-Riddle Aeronautical University? 
• Is the claims administrator for the plan based in the United States and is there a United States telephone number and address for submission of claims?
• Does your plan provide both emergency and non-emergency health care in the state of Arizona or Florida?
• Does your plan have participating hospitals, physicians, pharmacies, and mental health care providers within a 50-mile radius of the campus you are attending?
• Does your plan cover ambulance transport within a 50-mile radius of the campus you are attending?
• Does your plan provide inpatient/outpatient care including office visits and mental health care and chemical dependency, including counseling and psychotherapy benefits in Florida or Arizona?
• Do you have a plan benefit for prescription medications in area of the campus you are attending?
• Does your plan cover laboratory and radiology expenses in the area of the campus you are attending?
• Does your plan provide essential services with unlimited lifetime maximums? Most domestic policies follow this criteria as guided by the current US regulations of the Affordable Care Act.
• Does your plan provide coverage for immunizations, screenings, and other preventative services?

International Students Only

• Repatriation: $25,000 coverage to return the student’s remains to his/her native country
• Medical Evacuation: $50,000 to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge

Due to the importance of all students having adequate health coverage during their time at college, we have implemented a new verification system to ensure students are covered in the area they reside, including flight training in ERAU airplanes at ERAU. Starting Summer B 2021, if electing to waive out of the Student Health Insurance Plan (SHIP), the following process will take place to verify the health insurance plan of the student meets Embry-Riddle Aeronautical University minimum requirements:

1. Students must provide detailed information about their current coverage.
2. The detailed information will be verified through a health insurance clearinghouse. 

Student health plans can be a valuable solution for college students and their families. Not only can they cost less than other plans-they can also provide better benefits. UHCSR has negotiated with multiple providers and specialists in the area of our campuses. Many providers in the area accept UHCSR as an in-network provider, not an out-of-network provider.   

Medicaid, state Children’s Health Insurance Plans, HMOs and Kaiser Permanente plans do not cover non-emergency care in Daytona Beach and do not qualify for a waiver.

The following coverage does apply to waive out of the SHIP:

• TRICARE

What happens if I do not elect to waive out of the school insurance or if I do not complete the waiver prior to August 19, 2023? 

You will be automatically enrolled into UnitedHealthcare Student Resources. You will receive an e-mail from UHCSR with instructions on how to create an account to access your information including your health insurance card. Your insurance coverage will be effective from August 16, 2023, through August 15, 2024.  

The waiver process can be found once you are enrolled in classes by navigating to ERNIE > Student Homepage > Finance Tab > Complete Health Insurance Info.

If you enroll during the fall term, you will need to complete the waiver annually. Additionally, if you start taking classes in the spring or summer term, you will be required to complete the waiver again during the fall term. For instance, if you enrolled in Summer B and completed the waiver in June, and then enrolled in the fall term, you would need to complete it again in July. If you have any questions about when to complete the waiver, please contact us at 386-226-7917.

In order to access the waiver, you must be enrolled into classes, please note that there is a 48-hour holding period after you have been successfully enrolled into a class. Example if you enrolled on July 5th the waiver will be available to you on July 7th.

The student insurance plan offers you:

• Access to UnitedHealthcare’s nationwide network of healthcare professionals, including primary care and specialist doctors; Dental and Vision coverage can be purchased separately.
• Healthiest You: 24/7 Doctor Access
• 24/7 Student Support
• Healthiest You: Virtual Counselor Access
• Travel Assistance Services and Worldwide medical coverage while traveling abroad.

To View the UnitedHealthcare Student Resources Health Insurance Plan:

You can easily access the medical, dental and vision plan details, including benefits and rates, to understand your plan options.

1. Visit http://www.uhcsr.com/erau.
2. Select the current policy year.

If you encounter difficulties, please contact UnitedHealthcare Student Resources Customer Services at 1-800-767-0700 (7 a.m. to 7 p.m. CST Monday through Friday).

Overview of Plan Benefits

When Traveling Out of State/Out of the Country — UHC Global

UHC Globalassists in saving the day for students who are studying or traveling in other states or other countries. When you're at least 100 miles from home and you're sick or hurt, UHC Global steps in and steps up with immediate access to doctors, hospitals and pharmacies in unfamiliar places. In the extreme, they'll even help you get home if you need to be medically evacuated.  

Services include: Medical Assistance Service, Medical Evacuation and Repatriation Services, Security and Natural Disaster, Evacuation Services, Worldwide Destination Intelligence, and Travel Assistance Services. The Toll-Free number is on your Student Resources ID card or in "My Account." For more information on UHC Global, please visit the UHC Global website.

Any insured member traveling abroad should contact UHC Global if he/she needs to obtain medical services and cannot locate those services on his/her own.  UHC Global will assist the member with finding a provider and translation services if needed. Any provider overseas is out of network.  

The member will have to pay for the treatment upfront and then submit the claim and proof of payment to UHCSR for reimbursement under the policy.

Download Plan Highlights

Please download the Domestic Medical Summary Brochure or the International Medical Summary Brochure.

The preferred provider for this plan is UnitedHealthcare Choice Plus Plans. If care is received from a preferred provider, any covered medical expenses will be paid at the Preferred Provider level of benefits. If the covered medical expense is incurred due to a medical emergency, benefits will be paid at the preferred provider level of benefits. In all other situations, reduced or lower benefits will be provided when an out-of-network provider is used.

Worldwide Students

At this time, only registered students of the Daytona Beach & Prescott campuses can participate in the UHCSR insurance. Worldwide students cannot participate in this insurance program.

The UnitedHealthcare Student Resources insurance rates and coverage periods are as follows for the 2023-2024 semesters:

Medical

The vision plan has changed this year to a Direct Enrollment, Individual Voluntary Plan by UHCOne. You have the option to choose from different plans.

Visit uhcone.com for the vision benefit options, features and summary. You will be asked to provide some basic demographic information before receiving your free quote. Your quote will include all the options available to you so you can select the plan that works best for you and your situation.

The dental plan has changed this year to a Direct Enrollment, Individual Voluntary Plan by UHCOne. You have the option to choose from different plans.

Visit uhcone.com for the dental benefit options, features and summary. You will be asked to provide some basic demographic information before receiving your free quote. Your quote will include all the options available to you so you can select the plan that works best for you and your situation.

If you are under the age of 19 and enroll into the UHCSR insurance it includes Dental and Vision coverage. This rider program provides coverage for Vision and Dental Care Services, as explained below.

Under this riderprogram, the benefits will end on the earlier of two conditions: 1) the last day of the month when the insured person turns 19 years old, or 2) the date the insured person's coverage under the Policy is terminated.

Coverage becomes active at the same time the Health Insurance is active.

For more information on the rider policy, you can find it starting from page 40 on the certificate of coverage.

1. Please go to your Student Homepage in your Campus Solutions account.
2. Click on the "Finances" or "Profile" tab.
3. Click on "Complete Health Insurance Info."

Enrollment dates are the same as waiver dates.

Enrollment/Waiver Step-by-Step Instructions

Please download the Student Health Insurance Enrollment and Waiver Process Guide.

Health Insurance Information and Waivers 

Healthcare in the United States can be expensive, especially if it includes a stay in a hospital. All Embry-Riddle students are required to have medical insurance and to ensure that all students have an appropriate level of insurance, a student insurance policy is included in your tuition and fees.

What if I already have health insurance? 

You can waive out of the university-provided healthcare if you are able to show your own insurance. You must process your online waiver request during the time frame offered. No cancellations are allowed beyond the waiver dates.

Your private health insurance must show the following:

• The claims administrator for your plan is based in the United States and there is a U.S. telephone number and address for submission of claims.
• Your plan provides for both emergency and non-emergency health care in the state of Florida.
• Your plan has participating hospitals, physicians, pharmacies and mental healthcare providers within a 50-mile radius of the campus.
• Your plan provides inpatient/outpatient care, including office visits and mental healthcare and chemical dependency, as well as counseling and psychotherapy benefits, in Florida or Arizona.
• Your plan has a benefit for prescription medications in Florida.
• Your plan covers laboratory and radiology expenses in Florida.
• Your plan provides essential services with unlimited lifetime maximums.
• Your plan provides coverage while you are enrolled at Embry-Riddle Aeronautical University.
• Repatriation: $25,000 coverage to return the student’s remains to his/her native country
• Medical Evacuation: $50,000 to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge
• Your plan provides coverage for immunizations, screenings, and other preventative services. 

You will be able to waive out of insurance through your Campus Solutions account.

1. Please go to your Student Homepage in your Campus Solutions account.
2. Click on the "Finances" or "Profile" tab.
3. Click on "Complete Health Insurance Info."

Please note: The waiver needs to be completed once a year during the Fall waiver period if you are a continuing student. If you are entering during either Spring or Summer A&B for the first time, you need to complete a waiver during that term and again in the Fall waiver period.

Troubleshooting

• If you have trouble logging into ERNIE with your PIN, you will need to reset it to continue. If the problem persists, please contact IT Support at 386-226-6990.
• If you are using TRICARE insurance, you will need to input your social security number (SSN) in place of your account number. Contact your TRICARE insurance representative if you need additional assistance with questions regarding your plan.

Waivers are only available during the posted dates.

Failure to waive the insurance by the semester deadline will result in the non-refundable insurance fee remaining on your student account. Embry-Riddle is not responsible for insurance waivers that are submitted after the deadline.

For additional assistance:

• Email dbhealth@erau.edu.
• Download the UHCSR Student Waiver Guide Document.
• Download the Student Health Insurance Enrollment and Waiver Process Guide.

April International

• Does not have a Claims Administrator for the plan based in the United States, and there is not a United States telephone number and address for submission of claims.
• Does not provide non-emergency care in the state of Florida.
• Does not provide mental healthcare, mental health counseling and psychotherapy benefits in Florida.
• Does not provide coverage for preventive or routine labs in Florida.
• Does not provide essential services with unlimited lifetime maximums.
• Does not provide coverage for immunizations in Florida.
• Does not provide coverage for screenings and other preventative services in Florida.
• For more information, contact info.expat@april-international.com.

Medi-Share

• Medi-Share is not insurance. Neither CCM, Medi-Share nor its Members are insurance or an insurance company. The payment of your medical bills through Medi-Share or otherwise is not guaranteed in any way. Medi-Share is not, and should never be construed as, a contract for insurance or a substitute for insurance.
• Does not have participating physicians or mental healthcare providers within a 50-mile radius of 32114.
• Does not provide coverage inpatient/outpatient care, including office visits and mental healthcare and chemical dependency, as well as counseling and psychotherapy benefits, in Florida.
• Does not coverage for immunizations, screenings and other preventative services.
• For more information, visit https://www.medishare.com/medi-share-guidelines.

Christian Ministry Plans

• UHSM is not an insurance company nor is the membership offered through an insurance company. United Faith Ministries, Inc. is a 501(c)(3) nonprofit corporation, dba “Unite Health Share Ministries” or “UHSM Health Share,” that facilitates member-to-member sharing of medical bills.
• Does not have participating physicians or mental healthcare providers within a 50-mile radius of 32114.
• Does not provide coverage inpatient/outpatient care, including office visits and mental healthcare and chemical dependency, as well as counseling and psychotherapy benefits, in Florida.
• Does not coverage for immunizations, screenings and other preventative services.
• For more information, visit https://www.christianministryplans.com.

Affinity by Molina Healthcare

Does not meet 2-8 of the university requirements; only provides emergency care in the state of Florida.

HMOs outside the state of Florida

Does not meet 2-8 of the university requirements; only provides emergency care in the state of Florida.

Medicaid/Medicare outside the state of Florida

Does not meet 2-8 of the university requirements only provides emergency care in the state of Florida.

Any Travelers Insurance

Travelers insurance does not meet the university requirements; they only provide accidental coverage. Does not meet 2-8 of the university requirements; only provides emergency care in the state of Florida.

Aetna Better Health of Illinois

Does not meet 2-8 of the university requirements; only provides emergency care in the state of Florida.

UnitedHealthcare Golden Rule Insurance Co.

Does not provide coverage inpatient/outpatient care, including office visits and mental healthcare and chemical dependency, as well as counseling and psychotherapy benefits, in Florida. (You can upgrade this plan to meet the requirements.)

Husky Health Connecticut

Does not meet 2-8 of the university requirements; only provides emergency care in the state of Florida.

Kaiser Permanente

Does not meet 2-8 of the university requirements; only provides emergency care in the state of Florida.

Administrative Concepts Inc.

This is a limited medical indemnity plan and is not ACA compliant.

Oscar

Oscar plans will need to be upgraded to the Gold plan to meet the university requirements. Bronze and Silver plans do not meet the university requirements. 

First Medical Health Plan, Inc.

Does not meet 2-8 of the university requirements; only provides emergency care in the state of Florida.

First Health Network

First Health Network is not an insurance company; they are a provider network that contracts with physicians, labs, hospitals and urgent care to cut the healthcare cost. They assist members with locating a participating doctor or hospital in the member’s specified area per their insurance plan policy. You can reach First Health at 800-226-5116. They do not determine any benefits, eligibility or coverage; First Health Network is not a plan administrator. They are not provided any information on benefits or plan design packages from any insurance companies that utilize the First Health Network. They do not deduct any premiums from any members, and they do not pay any claims.

• Is the claims administrator for the plan based in the United States, and is there a United States telephone number and address for submission of claims?
• Does your plan provide both emergency and non-emergency healthcare in the state of Arizona or Florida?
• Does your plan have participating hospitals, physicians, pharmacies and mental healthcare providers within a 50-mile radius of the campus you are attending?
• Does your plan provide inpatient/outpatient care, including office visits and mental healthcare and chemical dependency, as well as counseling and psychotherapy benefits, in Florida or Arizona?
• Do you have a plan benefit for prescription medications in the area of the campus you are attending?
• Does your plan cover laboratory and radiology expenses in the area of the campus you are attending?
• Does your plan provide coverage for immunizations, screenings and other preventative services?
• Does your plan cover ambulance transport within a 50-mile radius of the campus you are attending?
• Does your plan provide essential services with unlimited lifetime maximums?

Most domestic policies follow these criteria as guided by the current U.S. regulations of the Affordable Care Act.

International Students Only

• Repatriation: $25,000 coverage to return the student's remains to his/her native country.
• Medical Evacuation: $50,000 to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge.

If a student receives a denial from UnitedHealthcare Student Resources (UHCSR), they can appeal to the ERAU SHIP Committee. Appeals must be initiated from the denial email or submitted via email before the waiver deadline. Late appeals will not be accepted. 

It's crucial that the insurance plan offers comparable coverage while on campus. Plans like HMOs or those from home state exchanges may limit coverage outside their service area. Medicaid plans are not accepted, as coverage for emergencies only may lead to financial burdens for ongoing care.

The waiver verification process involves comparing insurance coverage against the university's requirements database and verifying active enrollment. Denials may occur for various reasons, but if you believe it's an error, follow the outlined steps for appeal.

Email: wverification@uhcsr.com

• If denied due to missing documentation, attach to appeal email.
• Missed deadlines or email communications won't suffice for appeal.
• Plans must meet ACHA Guidelines and provide access to local care.
• Appeals won't be accepted if claims on the UHCSR insurance plan were paid or pending since coverage began.

If your appeal is denied by the waiver team at wverification@uhcsr.com, you have the option to challenge the decision by emailing dbwaiver@erau.edu.The insurance specialist and insurance appeals committee will conduct further verification to determine if coverage requirements are met. If any requirements are not met, you will receive an email from dbwaiver@erau.edu informing you of the specific deficiencies in your insurance plan.

Insurance ID cards will not be mailed out. They can be accessed through the UnitedHealthcare website or in the UnitedHealthcare mobile app:

Website

1. Visit www.uhcsr.com/CreateAccount.
2. Click on “Create My Account.”
3. Follow onscreen prompts; for the school ID, type in your ERAU ID #.
4. Create a Username and Password.
5. Log in to “My Account.”

Mobile App

• Download the UHCSR mobile app (App Store | Google Play) to view your insurance card and access additional information. Create “My Account” using the same steps noted above.
• Create My Account
• UHCSR MobileAppFlyer

These are available directly from UHCSR:

• Phone: 1-800-767-0700
• Website: https://www.uhcsr.com/IRS-Form-1095B