College is expensive even with the best financial aid, savings, and summer jobs. It is tempting to assume that current family health insurance will provide adequate coverage for a usually healthy age group and to skip the cost of additional health insurance. But there are a number of reasons to consider purchasing/accepting the United Healthcare Insurance student plan offered by Macalester.
Out of network limitations: Many health insurance plans substantially limit coverage when out of the geographic area or provider group. United Healthcare Insurance has national coverage and the Twin Cities is well‐represented by United Healthcare Insurance providers.
*Athletic coverage: Check your current plan to make sure it covers injuries sustained in athletic activities, as it is a common exclusion. The Macalester plan covers injuries sustained in intercollegiate, intramural, and club sports.
*The United Healthcare Insurance plan includes travel assistance and worldwide medical coverage – this is in effect when the student is 100+ miles away from home. So, for many students, this would qualify just due to the distance they live from Macalester. This is a highly comprehensive plan that will even fly a family member to be with the student in qualified situations.
*Many families elect to purchase the United Healthcare Insurance plan as a compliment to the family’s existing coverage; it can help to cover deductibles and co‐pay of another plan.
*There is a $50 annual deductible for in and out of network care. All services provided at the Macalester Health & Wellness Center (HWC) are covered at 100 percent (Services charged for include: lab work, immunizations, vaccinations, physical exams, some treatments).
*An advocate for you in the HWC will submit claims directly to United Healthcare Insurance for all charges incurred in the HWC and will assist students/families with any off‐campus United Healthcare Insurance claims. Charges off-campus will be covered (in-network) generally at 90/10 with deductible. Please see policy for exclusions/details.
*The cost for 2016-2017 insurance is $2,256 for 12 months of coverage. Not everyone will need this policy, but families should look carefully at their current health insurance policy and determine what will provide the best coverage for their student while at Macalester.
*Macalester College students can only enroll in the yearly enrollment option.
**ALL students must either accept or waive out of the United Healthcare Insurance student plan online before September 2nd, 2016. The charge automatically goes on your first bill; if you waive by the deadline, it will be removed in the next billing period.
Visit Gallagher-Koster website for detailed information. .
If you have questions, feel free to send them to Sue Rothenbacher, email@example.com.