​​​​​​​​​Student Health Insurance​

The University of Findlay & UnitedHealthcare StudentResources are currently awaiting approval from the State of Ohio for the 2023-24 Policy. The information on this page is being provided for general guidance purposes only.  As soon as approval has been provided by the State of Ohio, policy information will be provided to the campus community. Any questions can be directed to Safety & Wellness at 419-434-4733 or [email protected]. ​

The University of Findlay (UF) cares about the health and well-being of its students, particularly in the current public health environment. Beginning in 2022-23, all full-time students (9 credit hours for graduate and 12 credit hours for undergraduate), and health professions students without regard to course load*, are required to enroll in the student health insurance plan unless proof of comparable coverage is furnished. 

*The student health insurance requirement applies to students in the following health professions programs without regard to the number of credit hours they are enrolled in: 

Nuclear Medicine Institute Visiting: Certificate; Healthcare Management Sciences Major; Health Informatics Certificate; Master of Business Administration – Healthcare Management Concentration Program; Master of Science in Health Informatics Program; Diagnostic Medical Sonography Major; Diagnostic Medical Sonography AA; Diagnostic Medical Sonography Certificate; Echocardiography Major; Echocardiography AA; Echocardiography Certificate; Medical Laboratory Science Major; Nuclear Medicine Technology Major; Nuclear Medicine Technology AA; Nuclear Medicine Technology Certificate; Master of Science in Radiologic Sciences; Exercise Science for Health Professions Major; Health and Physical Education Major; Strength and Conditioning Major; Wellness and Health Promotion Major; Nursing Major; Master of Occupational Therapy – Weekend Program; Doctor of Occupational Therapy – Traditional Program; Doctor of Physical Therapy – Weekend Program; Doctor of Physical Therapy – Traditional Program; Master of Physical Therapy; Master of Physician Assistant Program; Healthcare Management Major; Social Work Major.

UF has contracted with United Healthcare StudentResources (UHCSR) to provide an insurance policy for students who lack valid cove​​​rage. The University requires students to annually:

Enroll in the student health insurance plan
Waive​ with valid alternative insurance coverage

New, incoming students for Spring 2023 who take no action will automatically be enrolled in the student health insurance plan after the waiver deadline, which is January 17, 2023. Please note this waiver period is applicable to new, incoming students only.

Safety & Wellness manages the Student Health Insurance process. Policy information, policy rates, and the links to either enroll or waive will become available to UF students annually on June 15.

Questions may be directed to UF Student Health Insurance ([email protected]).  You may also connect with Skylar Mettert, Associate Vice President for Safety & Wellness if you have additional questions related to the student health insurance plan. Skylar can be reached at [email protected] or 419-434-4733.

 Plan information for 2022-2023 (Coverage period August 8, 2022 through August 7, 2023)
  • Annual coverage cost: $2,118.00; charged ½ in the fall and ½ in the spring.
    • Fall charge: $1,059.00
    • ​Spring/Summer charge: $1,059.00 
  • Coverage will begin August 8, 2022.

Things to consider when deciding to enroll or waive the student health insurance:
  • Will your current plan cover medical care beyond emergency services (i.e. provider’s office visits, diagnostic testing, x-rays, prescription drugs, mental health, etc.) in the Findlay, Ohio area?

  • Does your plan have providers, hospitals and laboratories in the Findlay, Ohio area?

  • Does your current insurance plan provide coverage while you are in Findlay for non-urgent care? Many private health insurance plans, especially HMOs, may not provide coverage for non-emergency, out of network medical care (including laboratory services, x-rays, specialist referrals, etc.), or may require prior authorization from your primary healthcare provider.

  • Does your current insurance plan provide coverage for mental health services or physical therapy in Findlay?

  • All students can be seen at Cosiano Health Center at no cost regardless of what insurance plan they have. However, depending on what service is performed there may be a cost that needs to be covered by insurance. An example of this is if a lab test is done, Cosiano would need to send that lab work out for analysis (to Blanchard Valley Hospital).

  • Does your insurance cover prescriptions that are not written by a primary care provider?

  • It is your responsibility to check with your health insurance company to assure your current health insurance plan will cover you while in this area attending the University of Findlay.

  • Adequate health insurance coverage is essential to avoid out of pocket expenses and/or delays in accessing services in the event off-campus medical care becomes necessary.

  • Check the cost – is the annual cost of the student plan less expensive than the cost of being added as a dependent to your parents’ or guardians’ plan?

  • Are there administrative pre-requirements, pre-certification, or primary care provider referrals required under your current plan that may delay receipt of care?

  • It is important to have a conversation with your insurance company to verify what is and is not covered while your’re attending the University of Findlay so you can make an informed decision about enrolling or waiving the coverage.

You can review the UHCSR summary of benefits fo​r the University of Findlay here​.

UHCSR provides a student health insurance resource page at www.uhcsr.com/findlay .
Information regarding Cosiano Health Center can be found here.
Once you have made your decision, click on the appropriate link to complete the required form: 
Enroll in the student health insurance plan
Waive​ with valid alternative insurance coverage​
The Waiver Portal will open on December 1, 2022 for new, incoming students entering UF in the Spring 2023 semester. New, incoming students must complete the waiver request by January 17, 2023. Please note this waiver period is applicable to new, incoming students only.* 

*New, incoming students entering in Spring 2023 that do not show proof of health insurance coverage by completing a waiver form by January 17, 2023 will be enrolled in the UHCSR insurance plan and assessed a fee of $1,059.00 for spring/summer coverage. 

  • You can access telehealth medical and telehealth behavioral no matter where you are located. 
  • ​Your student plan also links you to a national network of providers. If you are living away from campus, please call and we can help you access care in your community. ​
The Preferred Provider for the UHCSR Plan is: UnitedHealthcare Choice Plus. 
Policy #: 2022-1108-1 
Customer Service: 1-800-767-0700; [email protected]  

Insurance Coverage for Intercollegiate Athletes:
Intercollegiate athletes are covered by a secondary insurance policy for all athletic related injuries not covered by UHCSR. Inquire within the Athletic Department for more information. Injuries incurred while participating in club or intramural athletic activities are covered by UHCSR.

Frequently Asked Questions
I don't have my insurance card! How do I get another one?
Log in to My Account and select the ID card link to see a digital version. You can download, email, or fax your ID card from My Account or UHCSR Mobile App. If you want an actual card, you can request one from My Account tool.

What should I do if I do not feel well or had an accident?
If you feel the sickness or accident is life threatening, call 911 or go to the nearest emergency room immediately. If it is not life threatening, go to Cosiano Health Center. In most cases, it is the most cost effective and easiest to access since they are on campus. If it is before or after hours, you can be seen at Physician's Plus (3949 N. Main) or Blanchard Valley Hospital (1900 S. Main).

What should I do if Cosiano Health Center is closed or I'm away from school?
If you can't go to Cosiano Health Center, don't worry. Our plans include access to a national network of health care providers. You can easily search the network from your school's Student Insurance page. The network search is also available from My Account and from the UHCSR app. App Store, Play Store.

Preferred providers are those doctors and facilities that have agreed to provide a negotiated discount to members of UnitedHealthcare insurance plans. This may lower your out-of-pocket costs for services received.

I need to check on the status of a claim. How can I do that?
Login to My Account and click on the Claim Summary or My Claims to View Claims. Once in View Claims, you can filter by Patient Name, Provider, or Claim Status. Click on More Options to view Explanation of Benefits or take action on a claim.

Where can I get a prescription filled?
Find the most convenient participating pharmacy by clicking Find Pharmacy on your school's Student Insurance page. You may also locate participating pharmacies within My Account and the UHCSR app. App Store, Play Store.

I need someone else to call in about my claims. Is that okay?
By law, only the insured person can access their secured healthcare information in My Account. But, if you need someone else to act on your behalf, you can complete and submit a Personal Representative Appointment electronically from My Account or the UHCSR Mobile App.

How much will going to the doctor cost me? Do you have a price estimate?
You can use our cost estimator tool in My Account to help you determine how much your services are estimated to be based on providers in your area.

Why do students need health insurance?
Unexpected health care expenses can jeopardize a student’s financial stability or create barriers toward completing a degree. While all students can receive primary care through the Cosiano Health Center, services needed beyond primary care, such as hospitalization, pregnancy, surgery, or specialty care, are performed off-campus. Health insurance provides students and families with the reassurance that they are prepared for any medical situation.

Will there be a charge for using Cosiano Health Center now?
The Cosiano Health Center is free to all students. The only services charged are for vaccines and the Womankind/Men's Sexual Health Clinics. Cosiano does not bill insurance.

What is the charge for the student health insurance?
The cost for the annual premium is $2,118.00 which will be billed to your student account ½ in fall and ½ in spring.

How do I know if I have been charged for student health insurance?
You can view your student account in Workday to see the charges. Select the Finances worklet, then select View Account Activity or View Statement.

Can my financial aid help cover the cost of the insurance charge?
Financial Aid can be used to pay for the insurance after tuition, mandatory fees, housing, and meal plans are paid AND you give UF permission to use your aid in this way.

The policy provides coverage for an entire year. What if I graduate in May?
The University of Findlay Student Insurance Plan insures covered students for the full period for which they’ve paid premium, so long as they remain eligible students for at least 30 days after the effective date of coverage. This means that if you withdraw from school for any reason after that period, your health insurance won’t be taken away from you. It also means that if you want to terminate your insurance after that period, you won’t be able to get a refund of premium that you’ve paid. This structure is intended to be fair to students in both situations and is very common in student plans in higher education.

The policy provides coverage for an entire year. What if I am in my home country during school breaks? What if I am studying abroad?
The plan has global emergency services only. Students should purchase other travel insurance if looking for more international coverage while abroad.

What do I do if I forgot to waive but have other valid health insurance coverage?
Students may submit an appeal to the University for review and consideration no later than September 22, 2022. Please forward a copy of your proof of insurance along with a brief explanation of why you feel you should be granted an exception to the UF insurance requirement to Skylar Mettert ([email protected]).

Can I add my dependents (such as a child) to the health insurance plan?
Students may not add their dependents, such as their spouse or child, to the student health insurance plan. Other options for dependent coverage may be found at www.healthcare.gov.

My wavier was denied. Can I appeal this decision?
If you would like to appeal the denial of your waiver, please forward a copy of your proof of insurance along with a brief explanation of why you feel you should be granted an exception to the UF insurance requirement to Skylar Mettert ([email protected]). Please note, if your wavier is denied, you will receive an email notification from UHCSR providing the instructions mentioned above.

My need for coverage has changed. Can I enroll mid-year?
Students can enroll in the student health insurance plan if a change in coverage or qualifying life event (QLE) occurs. Examples of a QLE include the following:
  • Change in marital status.
  • Loss of employment.
  • Loss of insurance coverage.
  • Turning age 26.

Can I enroll in vision and dental plans?
Students may inquire about vision and dental plans offered by UnitedHealthcare. Please note, vision and dental plans will be at an additional cost for the student.

How do I know if my alternative health insurance will be accepted as qualifying coverage?
In order to waive the University of Findlay Student Insurance Plan, and have the related charge removed from their billing statement, students’ alternate coverage must:
  • Satisfy Ohio and Federal (Affordable Care Act) minimum benefit requirements, and
  • Be in effect for the full period for which they will attend classes during the 2022-23 school year, and
  • Be locally effective (out-of-state Medicaid is not valid coverage), and
  • Be underwritten by a U.S. Domestic insurance carrier.

Who should I contact if I have additional questions?
You may contact Skylar Mettert, Associate Vice President for Safety & Wellness if you have additional questions related to the student health insurance plan. Skylar can be reached at [email protected] or 419-434-4739.

If you have a question or an issue about a bill please address this with the appropriate provider or contact UHCSR.