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2019–20 Student Blanket Injury and Sickness Insurance Plan
Wright State University offers student health insurance through United Health Care Student Resources for your health care needs.
Wright State University assesses the student health insurance premium for domestic students on a per term basis. The premium is added to your current account balance if you are registered for at least six credit hours unless you decline coverage. If you wish to decline coverage, go to WINGS Express, select Student and Financial Aid, Registration and Required Acknowledgement. Please select No if you want to decline coverage.
If you fall below the required six credit hours during the open enrollment period of each semester, the insurance charge will be removed from your account, and any premiums paid will be refunded to you. You must be actively attending classes for the six credit hours for at least the first 31 days for which coverage is purchased to be eligible for student health insurance.
Students not enrolled during the summer semester may purchase continuing health insurance provided they had coverage in the spring semester and are registered for the upcoming fall semester. The student must contact Student Health Services to purchase. To maintain continuous coverage without a lapse, it is important to purchase the summer coverage.
Student health insurance must be declined each semester by the second Friday of the term, or the student will be responsible for payment even if they have other coverage. If you determine you will need insurance after you have declined, return to the Required Acknowledgement page and indicate you want to purchase coverage by the second Friday of the term.
An annual premium is also available to purchase. Please contact the insurance office at Student Health Services for details.
Dental and vision coverage for the academic year is a separate policy that can be purchased directly with United Healthcare Student Resources during the fall open enrollment period only. For information please call 866-782-4768.
If during the academic year, you have a qualifying event, you may add the student health insurance plan. However, it must be within 30 days of the qualifying event. Please contact Student Health Services if you have a question.
- Covered services rendered at Student Health Services are payable at 100 percent of covered medical expenses.
- Copays and deductibles are waived when seen at Student Health Services.
- United Healthcare Student Resources requires a referral from Student Health Services (SHS) any time treatment is sought outside of SHS during their normal business hours except in an emergency. This applies to urgent care centers, Wright State Physicians and your primary care providers.
This plan provides benefits for a covered injury or sickness which occurs during your term of coverage under this plan. The expenses for the loss must also be incurred during your term of coverage under this plan.
The plan does not pay for expenses payable by any other insurance or pre-payment plan.
To provide maximum benefits at low cost, the plan covers hospital care, office visits for sickness and injury, and surgery except where otherwise noted. Elective surgery is not covered. Participation in all athletic activities, other than interscholastic or intercollegiate sports, is covered.
International students will be granted an exemption only if they have U.S. based insurance coverage through the employer of a spouse or parent. This waiver must be obtained from the University Center for International Education office, 190E Student Union.
Please refer to United Health Care Student Resources for complete coverage details.
Frequently Asked Questions
For commonly asked questions concerning the Wright State University Student Accident and Sickness Insurance Plan, please refer to our Frequently Asked Questions. If you still have questions concerning the coverage or need assistance, please contact Robert Fox in the Student Insurance Office at 937-775-2331. The Student Insurance Office is located in 051 Student Union and the walk-in hours are Monday-Friday from 1-4:30 p.m.
I have a specific question about coverage. Who should I contact?
You should contact Student Health Services staff member Robert Fox at 937-775-2331, or United Health Care Student Resources at 866-782-4768.
Can I cancel the student insurance plan coverage once it is in place?
Prior to the first day of classes for the semester of coverage you may cancel coverage with a full refund of the premium. Visit Wings Express, click on the Student and Financial Aid tab, click on Registration & Records, and click on Required Acknowledgment. Select the term and submit your change.
You may accept or decline the student health insurance in their WINGS Express account up until the 100 percent refund cut off date. Please check the Academic Calendar for the deadline to decline for each semester.
If you leave school after the beginning of classes, you will have continuous coverage after 31 days of actively attending classes to the end of the period for which the premium was paid.
If you enter the armed forces of any country during a period of coverage, you will receive a refund of your unearned pro-rata premium if you request a refund in writing.
After the published deadline to decline the student insurance plan each semester, all premiums are non-refundable.
Can I request exemption from participation in the student insurance plan because I have other health insurance coverage?
Yes. If you are a student, except for international students or students not living in campus housing, you can choose not to purchase student insurance plan coverage whether or not you have other health insurance coverage.
Students living in campus housing are required to purchase the student insurance plan coverage or confirm existence of an equivalent coverage for themselves.
International students will be granted an exemption only if they have U.S.-based insurance coverage through the employer of a spouse or parent. This waiver must be obtained from the University Center for International Education office, 190E Student Union.
Am I required to use Student Health Services to receive benefits under the Student Insurance Plan?
The student should use the services of Student Health Services first where treatment will be administered or referral issued.
How will healthcare providers know my insurance?
After creating a username and password at www.uhcsr.com/wright, you can print a card that you should carry and provide at the time of service.
Is there a maximum benefit payable under the Student Insurance Plan?
Benefits are paid on a scheduled benefit basis with no overall maximum dollar limit.
What benefits does the Student Insurance Plan pay if I or my insured dependent(s) have other insurance?
The student insurance plan and other insurance companies will work together to coordinate benefits. The sum of student insurance plan benefits and benefits of other primary plans will not exceed the usual and xustomary cost of the medical service. Please refer to United Health Care at 866-782-4768 for further details.
Can I receive benefits for treatment provided by any doctor or hospital?
All preventative care services must be provided by a preferred provider.
Are there medical expenses for which the Student Insurance Plan does not pay benefits?
Yes. The plan brochure lists those items for which no student insurance plan benefits are payable. Please familiarize yourself with the exclusions and limitations of the plan.
What are the Student Insurance Plan benefits?
Benefits are detailed in the Student Insurance Plan brochure.
When does my coverage or coverage for my dependent(s) begin?
Coverage is effective on the start date of the semester when enrollment and payment of the insurance fee are completed by the enrollment deadline for that semester. Enrollment deadline dates and start dates are listed in the Student Insurance Plan brochure.
How am I charged for the premium for Student Insurance Plan coverage?
The semester premium for Student Insurance Plan coverage is assessed along with other fees billed to you. The charge is identified on your billing statement as Student Health Insurance.
Can I enroll my dependents for coverage under the Student Insurance Plan?
Yes. You may enroll your dependents including a spouse, a child or children, and a qualified domestic partner by contacting the Student Health Services staff in 051 Student Union and paying the additional premium due for the dependent(s). You may not insure your dependents unless you are also insured.
How do I enroll for Student Insurance Plan coverage?
If you are a student enrolled for six or more credit hours, you are automatically enrolled for student-only coverage for the semester of registration unless you request not to be enrolled during the registration process. If you do not enroll for coverage at the time you register for classes, you may enroll through Wings Express. Use the Required Acknowledgment link to enroll until the enrollment deadline.
Am I eligible for Student Insurance Plan coverage?
You are eligible for the Student Insurance Plan coverage if you are an undergraduate or graduate student registered for six or more semester credit hours, a student who participates in cooperative education, or other Wright State-sponsored internship program.
What is the Wright State University Student Accident and Sickness Insurance Plan?
The Student Accident and Sickness Insurance Plan provides benefits worldwide for covered health care expenses, a limited accidental death and dismemberment benefit, benefits for medical evacuation of an ill or injured patient to the nearest suitable hospital or the insured's home country for care, and benefits for return of an insured's body to the insured's home country when death occurs outside their home country.
|Semester||Fall 2019||Spring 2020||Summer 2020|
|Coverage Period||8/26/2019 - 1/12/2020||1/13/2020 - 5/10/2020||5/11/2020 - 8/23/2020|
|Deadline to Decline Insurance||September 6, 2019||January 24, 2020||May 22, 2020|
During the first two weeks of each semester of open enrollment, if you need access to your health insurance card, you will need to contact Student Health Services so we can initiate a manual upload of your registration into the plan. Otherwise, United Healthcare Student Resources will not have your membership information until after open enrollment has ended. Stop by the insurance office at 051 Student Union or call 937-775-2331 for further information.
Wright State Student Health Services accpets most major medical insurance plans, such as Anthem, Medical Mutual and Multi-Plan!
Student Health Services has been working hard to develop the ability to deliver quality healthcare and wellness services to treat more Wright State students. The services provided by your on-campus nurse practitioner and physician are comparable to those offered at a family practice setting, and all our professionals are certified, licensed, or registered in their respective fields.
Student Health Insurance Options
Wright State University student health insurance is a voluntary health insurance program. Enrollment in the program is completed at the time of class registration. Commuter students and Wright State residential students have the option to participate in the plan if enrolled in six credit hours or more. A commuter or residential student may decline coverage and continue with the registration process.
International students (F1/J1 visa status) do not have the option to decline the Wright State health insurance program during the registration process. Following registration, international students who have financial guarantees through their country are required to obtain a waiver through the University Center for International Education (UCIE) who is authorized to remove the insurance charge.
The student should use services of Student Health Services (SHS) first where treatment will be administered or referral issued. Expenses incurred for medical treatment outside of Student Health Services for which no prior approval or referral is obtained will be subject to an additional $350 Deductible. A referral issued by SHS must accompany the claim when submitted. Only one referral is required for each injury or sickness per policy year. Certain conditions are excluded from the referral requirement.
For information regarding Marketplace Insurance and the Affordable Care Act go to: