Health Professional Students Insurance
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Mandatory Health Insurance Requirement
Fall Waiver date 8/31 and Spring Waiver date 2/1
All students enrolled in the MD, DMD, upper division Dental Hygiene and Registered Nurses, ARNP, and the Audiology & Speech Pathology programs are required to have major medical insurance. You may waive the major medical insurance provided by Academic Health Plans, with claims paid by United Health Care, with proof of similar coverage.
Health Professional Students can waive the major medical insurance if the insurance they present is considered comparable to the Academic Health Plan policy.
The following health plans will not be accepted for the waiver of the major medical fee.
- Travel Plans such as;
- Travel Guard
- Allianz Global Assistance
- Global
- Seven Corners
- Amex Assurance
- Travelex
- Any of the health sharing plans where a group of people take on health care costs from a pool of money that is given each month by the members of the plan. This is not a major medical insurance plan. Such as;
- Liberty Health Share
- Medi-Share
- Altrua Health Share
- Christian Health Share
- Samaritan Ministries
- Christian Healthcare Ministries
- CMF CURO
- Solidarity
Or any plans that share the cost of medical expenses with a group.
- Any out of state Medicaid’s or any State based coverage plans other than Kentucky, will not be accepted for waivers. These plans are only for the state they are from and can only be used at a Hospital on an emergency basis.
- Short-term Medical Plans
The Academic Health Plan Auditor will update the waiver with the appropriate status based on the compliance of the waiver submission.
Health Insurance Requirement Waiver deadlines
Fall Waiver date 8/31 and Spring Waiver date 2/1
Waiver information will be sent to your UofL e-mail account from Academic Health Plans (AHP) giving you details on how to enroll or waive the medical insurance. The e-mail will be sent out starting mid-July for the Fall semester and mid-November for the Spring semester. You cannot submit a waiver prior to receiving this e-mail.
The email will be sent out starting mid-July for the fall semester and mid-November for the spring semester.
If you need to make a change to your Fall semester choice of accepting or waiving the insurance, contact Academic Health Plans at support@ahpcare.com or 1-855-850-4191.
Health Professional Health Fee
All students enrolled in the MD, DMD, upper division Dental Hygiene and Registered Nurses, ARNP, and the Audiology & Speech Pathology, and Public Health programs are required to pay a Professional Health Fee. The Professional Health Fee is $52.50 per semester.
The fee provides:
- Unlimited routine office visits for health maintenance, physicals, blood pressure checks
- Gynecological exams (does not cover outside laboratory charges)
- Medical office visits for illnesses
- Allergy injections
- Phlebotomy services (lab and x-ray fees are paid by patient or patient insurance)
- In-office lab tests such as strep, flu, pregnancy, urinalysis
- Annual surveillance TB skin testing and influenza immunizations
- Post-exposure evaluation, and testing for exposures to blood-borne pathogens such as HIV, Hepatitis B and Hepatitis C including prophylactic medications when prescribed by the health service for up to thirty days
FAQ
Health Science Center students enrolled in Medicine, Dental, Dental Hygiene, Upper Level Nursing, APRN, Speech Pathology and Audiology are required to have health insurance. All students in clinicals are required to carry medical insurance.
- Allowed with proof of ACA (Affordable Care Act) compliant insurance plan
- Process through the Academic Health Plans (AHP) web site
- Electronically verified
- Reviewed and approved by the Insurance Advocate who removes the charge on tuition bill
- Accepted for current academic semester only
The University of Louisville sponsored student injury and sickness insurance plan from Academic Health Plans provides UofL students with an affordable student health insurance plan tailored to the particular needs of UofL students. To view the insurance benefits, click here.
| Fall 8/1 - 12/31 | Spring/Summer 1/1 - 7/31 | |
|---|---|---|
| Student | $1,580.50 | $1,580.50 |
| Spouse | $1,678.00 | $1,678.00 |
| Each Child | $1,678.00 | $1,678.00 |
| All Children | $3,356.00 | $3,356.00 |
Yes. See the rate chart above for information regarding the pricing. Contact the Insurance Advocate for additional information at stuins@louisville.edu
After registering for classes, students may enroll in the plan during open enrollment periods and the premium will be automatically placed on your tuition. If you do not have an approved waiver, you will be automatically enrolled in the plan and the major medical fee will not be able to be removed from your account.
*Spring premium included coverage for Summer
Open Enrollment:
| Term | Enrollment Dates |
|---|---|
| Fall Semester | July 18 - August 31 |
| Spring Semester | November 14 - February 1 |
Students may qualify to enroll at other times if they have a qualifying event such as birth of a child, death of a spouse, loss of insurance through your spouse\job or reach the age of 26 which eliminates them from a parental policy.
Contact the student insurance advocate, stuins@louisville.edu for additional information regarding this type of enrollment.
The University sponsored plan requires students to use Campus Health Services for routine health care. Specialty care is provided through the Anthem BC/BS provider network. For more information visit https://louisville.myahpcare.com/benefits
Referrals are not required but are suggested because Campus Health Services can obtain appointments within the University system which decreases the cost for the student. If you have an after-hour emergency, you may use any immediate/urgent care center or emergency room. These services are subject to annual deductibles and copayments.
Obtaining a referral is not a guarantee of payment but notifies the insurance plan of a pending claim. Final determination of benefits is determined by the insurance company.
Students may use any of the local hospitals in the Louisville area or nationwide. However, UofL Hospital provides deeper discounts for services. Hospital Emergency Rooms are the most expensive form of health care and should be used only for life-threatening emergencies or when all other facilities are closed.
Yes, if you are more than 50 miles away from campus. Using the Anthem BC/BS network will be less expensive if available. See the Academic Health Plans Web site for information on how to locate a Anthem provider.
Yes. Worldwide coverage and travel assistance is available including air ambulance transfer back to the United States if medically necessary. Please contact Academic Health Plans at (855) 850-4191 for more information.
International students are not covered when they require services in their home country.
For information on how to obtain your insurance card, visit: https://louisville.myahpcare.com/
- Before You Visit a Provider: Understand the specific procedure to follow when seeking medical treatment under your Student Health Insurance Plan. You are required to use the Campus Health Services Offices as your primary physicians for non-emergency care.
- Call 502-852-6479 for Cardinal Station office or 502-852-6446 for the Health Science Center office.
- All customer service inquiries, including provider network questions, should be directed to Academic Health Plans by calling (855) 850-4191.
Absolutely. Campus Health bills most major insurance companies.