GENERAL INFORMATION

Each year Penn State selects a student health insurance plan and makes it available to undergraduate and graduate students:

• who have no health insurance coverage
  
• who need supplemental insurance because their current plan does not provide adequate coverage while they are at Penn State
  
• who are international students who must comply with Penn State's mandatory insurance requirement

The 2008-2009 Penn State Student Accident and Sickness Insurance Plan is underwritten and marketed by United Healthcare Student Resources.

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NEED FOR HEALTH INSURANCE FOR PENN STATE STUDENTS

Except for our Pharmacy*, University Health Services does not have insurance contracts for direct payment with any health insurance companies for clinic or ancillary services and it does not direct bill any insurance companies.

We regret any inconvenience this policy may cause for students and parents. However, because UHS treats students from all over the United States and the world, there would need to be contracts with hundreds of insurance companies. The costs of dealing with so many insurance providers and processing thousands of insurance claims each year would drive up the current discounted rate for all UHS services.

Therefore, you (the student) are responsible for all charges for clinic visits, medical procedures, and ancillary services including x-rays, lab tests, and physical therapy. You must pay at the time of service by either having the charge billed to your Penn State student account or paying by check, cash, ATM, VISA or MasterCard. However, your billing is available online. You can print out copies of your bill from our secure website.

You should find out if your insurance company will cover your care at Penn State, because there may be restrictions on primary care outside of your insurance company's network. If you find you are not covered by your insurance for care provided at UHS, this is when you should consider purchasing additional coverage, either privately or though the Penn State Student Accident and Sickness Insurance Plan.

* The only exception is the UHS Pharmacy, which does have some insurance contracts; if you want to know if your insurance provider is listed, see our list of accepted prescription cards.

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ELIGIBILITY

You are eligible to participate in Penn State's student insurance program if:

• you are a registered undergraduate student taking 3 or more credit hours;
  
  
• you are a registered graduate student taking 1 or more credit hours;
  
  
• you are a graduate student enrolled in a departmental 601 or 611 course;
  
  
• you are a student enrolled in the Intensive English Communication Program (IECP); you are a student who participates in a cooperative work experience program as part of your required academic program.
  
  
• If you are a student at Pennsylvania College of Technology, please contact the Student Health Services at Penn Tech for information on student insurance options. Call (570) 320-5234

Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased.

You are not eligible to participate in Penn State's student insurance program if you are enrolled in courses that do not fulfill the eligibility requirements that students actively attend classes, such as:

• you are enrolled in Independent Study through correspondence classes.
  
  
• you are enrolled in home study, correspondence, and television courses

The Insurance Company maintains its right to investigate student status and attendance records to verify that the policy eligibility requirements have been met. If, and whenever, the Company discovers that the policy eligibility requirements have not been met, its only obligation is refund of premium.

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SPOUSES AND CHILDREN

Eligible students who do enroll may also insure their dependents. Eligible dependents are the spouse and unmarried children under 19 years of age who are not self-supporting. Dependent eligibility expires concurrently with that of the insured student.

Please note: University Health Services does not provide health care services to children; dependent children of students insured through the Penn Sate Student Accident and Sickness Insurance Plan . Click the link for more information about area health care services for children.

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2008-2009 ENROLLMENT DEADLINES

Deadlines for enrollment in this insurance plan are as follows:

Fall 2008	September 9, 2008
Spring 2009	January 20, 2009
First Summer	May 26, 2009
Second Summer	July 9, 2009

A completed application and the payment for the premium must be received by the company or Penn State Student Health Insurance on or before the enrollment deadline listed above. Premium received after these dates will be returned. DATE OF POSTMARK DOES NOT FULFILL THIS REQUIREMENT.

To view the Penn State Student Health Insurance Plan Booklet or to enroll directly with the insurance company, click below:

Student Health Insurance Plan (underwritten and marketed by UnitedHealthcare Student Resources)