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2017-18 Student Health Insurance

Make Sure Your Health Is Covered

Important Links

2017-18 Student Health Plan Summary of Benefits (PDF)

2017-18 Student Health Plan Summary of Benefits and Coverage (PDF)

Highmark Virtual ID Cards (from any computer)

Highmark Virtual ID Cards (from mobile website)

Haylor, Freyer & Coon Inc.
For Questions or Assistance with the Student Health Plan or Waiver
1-866-535-0456
student@haylor.com

Highmark Blue Cross Blue Shield
1-800-241-5704

Office of Student Affairs
706 Student Center
412-392-3840

Point Park University understands the importance of maintaining good health while you attend college, and we make it a priority that our campus be a place that is as beneficial to student bodies as it is to student minds.

For care involving the treatment of minor illnesses and injuries, the University maintains the Student Health Center and the Student Counseling Center on campus. However, we realize that more serious medical situations may require care beyond the capabilities of on-campus health services — costly care such as emergency department visits, surgery, hospital stays and therapy visits. Without insurance, a serious illness or injury can result in bills totaling thousands of dollars that could place serious financial roadblocks in the way of a college education.

To safeguard against this type of situation, the University partners with Highmark Blue Cross Blue Shield. This partnership offers a student health insurance plan that is not only affordable and easy to use, but includes benefits that far surpass those typically found in student insurance plans, including:

  • Preventive care
  • Coverage for injuries, including sports and exercise injuries
  • Online tools to help you make informed care choices
  • In-network and out-of-network coverage

We encourage you to consider the University's student health plan as a means of protecting yourself and your loved ones against unexpected medical expenses that could temporarily — or permanently — interrupt your college career. For more information about coverage, deductibles, copays, etc., see Important Links (right) for plan information.

Follow the links below for more information:

Students Required to Have Insurance Coverage (Mandatory Students)

For 2017-18, the following groups of students are required by University policy to have health insurance coverage that meets University requirements:

  • Dance and theatre majors (all concentrations)
  • International students
  • Athletes

NEW for 2017-18: These mandatory students are automatically charged for the student health plan on their student account (one-half of the premium to each of the fall and spring semesters).  They will be automatically enrolled in the student health plan, unless they already have insurance coverage that meets University requirements AND their request to waive the student health plan for the 2017-18 academic year is successfully submitted and approved by the waiver deadline.  Once the student's request to waive the student health plan is accepted, students will receive a credit on their student account for the amount of the premium.

Enrollment Eligibility

  • All full-time, registered undergraduate and graduate students are eligible to participate in the University's student health plan.
  • Dependents (spouse, children, etc.) of eligible students are also eligible to enroll in the plan; the student must also enroll in the plan.

Coverage Dates and Enrollment/Waiver Deadlines


Term

Intended For
Coverage
Dates
Enrollment
Deadline
Waiver
Deadline
Annual
(Full-Year)
Students registered with the University
in the Fall 2017 semester

Aug. 1, 2017
to Jul. 31, 2018

Sep. 30, 2017 Sep. 15, 2017
Spring-Only New students entering the University
in the Spring 2018 semester
Feb. 1, 2018
to Jul. 31, 2018
Jan. 31, 2018 Jan. 15, 2018

Early Termination Requests:  The Point Park University student health plan is a term insurance policy.  Once enrolled in the plan, students are required to remain enrolled in the plan until the end of the plan year (July 31, 2018), unless there is a qualifying life event.  Students requesting termination because of a qualifying life event must do so in writing within 30 days of the qualifying life event.  Proof of the qualifying life event will be required.  Please direct early termination requests to student@haylor.com.

Mandatory Students Graduating in December 2017: Mandatory students who are graduating in December 2017 will automatically be terminated from the student health plan effective January 31, 2018 (end of the first half of the plan year), unless they contact the Office of Student Affairs (see Important Links above) and pay the spring 2018 premium by January 31, 2018. 

Late Enrollment Requests (enrollment after the deadline): Late enrollment requests will only be accepted due to a qualifying life event (loss of other insurance, birth, marriage/divorce, etc.). Students are able to enroll in the plan within 30 days of the qualifying event.  Proof of the qualifying life event will be required.  Please direct late enrollment requests to student@haylor.com

How to Enroll

Enrollment for the 2017-18 student health plan is being coordinated by Haylor, Freyer & Coon Inc. 

Once Haylor, Freyer & Coon Inc. receives an enrollment application, it generally takes 2-3 business days to be enrolled in the plan; during peak enrollment times, it may take up to 5 business days. It may take an additional 24-48 hours from the time of enrollment for pharmacy benefits to be fully activated.  Students will receive an email confirmation that their application was received, and Haylor, Freyer & Coon, Inc. will follow up with another email with additional information once the application has been processed.

Please be careful which address (school or home) is used for the student on the enrollment form.  This is the address to which Highmark will send the insurance card and any other official notifications.  If the student's permanent home address is used, and the student does not live at that address during the school year, their mail will need forwarded.  On the other hand, if the student's school address is used, the student needs to remember to do a mail forwarding/change request either with the Office of Student Life (if living on campus) or the US Postal Service if living off campus.

It is highly recommended that you make note of the information provided during enrollment, especially if you plan to use Highmark's online or mobile websites, as their site registration process requires you to enter information exactly as entered on the enrollment form.

Students NOT required to have insurance may choose to voluntarily enroll in the student health plan. Voluntary enrollment is online through Haylor, Freyer & Coon, Inc.  Payment in full is required at the time of enrollment. Students who voluntarily enroll must do so every academic year they wish to continue coverage; coverage does not automatically continue from year to year.

Students who ARE required to have insurance (mandatory students) are automatically billed through their Point Park student account for the charges. Enrollment in the plan is automatic unless your request to waive the student health plan is successfully submitted and approved by the applicable deadline. If the request to waive is successfully submitted and accepted by the deadline, the student will receive a credit on their student account. Students who miss the deadline of September 15, 2017 will be permitted to request to waive until October 15, 2017 (February 15, 2018 for new Spring 2018 students), but will be charged a late fee.  No requests to waive will be accepted after these dates.  Students registered for Fall 2017 who miss the deadline will have to wait until the summer of 2018 to request to waive for the 2018-19 academic year.

Mandatory students may choose to proactively enroll in the student health plan, if they wish their coverage to begin sooner than September 15, 2017. These students must contact Haylor, Freyer & Coon Inc. directly at 1-866-535-0456 or student@haylor.com.  Charges will still be billed to the student's Point Park account.

Costs

Contract Type      

Annual
Coverage

Spring-Only
Coverage
Student $2,507.40 $1,253.70
Student & Child $5,5896.80 $2,948.40
Student & Spouse $5,896.80 $2,948.40
Student & Children $7,686.00 $3,843.00
Family (must include student) $7,686.00 $3,843.00

Payments

Students voluntarily enrolling in the student health plan online (not mandatory students) are required to pay in full at the time of enrollment by credit card.  Haylor accepts Mastercard, Visa, and Discover.

If charges have been billed to the student's Point Park account (mandatory students), payment is made through Point Park's Student Financial Services.

Insurance ID Cards

Once the student's enrollment application is processed, it takes about 7-10 days to receive your ID card in the mail at the address used on the enrollment application.

Virtual ID cards can be viewed online once the student's enrollment is active.  Students are also able to fax a copy of the card from Highmark's site as well, for example to a healthcare provider's office.

If you have previously registered with the site, log in with your username and password.

If you have never used the site before, you must register first.  Visit the Highmark Blue Cross Blue Shield website, either on your desktop computer, laptop or mobile device:

  • Tell us about yourself:  Choose "I am a member just registering"
  • Member ID:  If you don't have your Highmark ID card yet, enter your Social Security Number. International students without a Social Security Number will need to have their Highmark ID card.
  • Enter the student's first & last names, date of birth, street address, city, and zip code.  This information needs to be entered exactly as on the enrollment form.
  • Relationship to Policyholder:  If the account is for the enrolled student, enter "self;" otherwise, choose the appropriate relationship.  Parents will not be able to register and view their student's enrollment information unless their student is under 18 years of age due to privacy regulations.
  • Email address and phone number do not need to match information on the enrollment form.

If you are unable to register, it is because you are either not yet enrolled, or the information you entered does not match the information you submitted at the time of enrollment.

If at least five business days have passed since you enrolled in the plan, and you are still unable to register with Highmark's site, request assistance from Haylor, Freyer & Coon Inc.

Request to Waive (Decline) the Student Health Plan

Students who are not required to have health insurance do not submit a request to waive (decline) the student health plan.  

Students who are required to have health insurance per University policy (mandatory students) are automatically charged for the student health plan on their student account (one-half of the premium to each of the fall and spring semesters).  They will be automatically enrolled in the student health plan, unless they already have health insurance that meets University requirements AND their request to waive the student health plan for the 2017-18 academic year is successfully submitted and approved by the deadline.  

Note:  Once a waiver is successfully submitted and approved by Haylor, it can take up to 10 business days for the credit to appear on the student's account.

The request to waive must be completed and approved once each academic year the student is required to have health insurance.

University Requirements for Health Insurance Coverage

Requirements for International Students

  • Insurance provided through the Saudi Cultural Mission (SACM), OR
  • ISO Compass Gold or Compass Silver plans (not acceptable for international athletes), OR
  • Another insurance plan that meets Requirements for All Students (below)
  • If you are also an athlete, dance major, or theatre major you must also meet those requirements

 Requirements for Athletes

  • Insurance must cover injuries sustained in the practice or play of intercollegiate sports, AND
  • Insurance must be able to pay primary to University-provided accident insurance, AND
  • Insurance must meet Requirements for All Students (below)

Requirements for Dance and Theatre Majors (All Concentrations)

  • Insurance must cover injuries sustained during rehearsals and performances, AND
  • Insurance must be able to pay primary to University-provided accident insuranceAND
  • Insurance must meet Requirements for All Students (below)

Requirements for All Students Required to Have Insurance

  • Insurance company must pay claims directly to healthcare providers
  • Insurance company must pay claims in US Dollars
  • Insurance policy documents must be available in English
  • Coverage must be currently active and is expected to remain in force through July 31, 2018
  • If plan has a deductible (not the same as a copay), it must be no more than $5,000 per policy year
  • Plan must include coverage for pre-existing conditions
  • Plan must include coverage in the Pittsburgh area for all services the University requires to be covered (emergency-only coverage does not satisfy this requirement)
  • Plan must include coverage for all of the following services:
    • Hospital inpatient and outpatient, emergency room, and urgent care services
    • Physician services (routine and specialist)
    • Diagnostic services such as laboratory/pathology, x-ray, MRI, CT scan, etc.)
    • Physical therapy
    • Emergency transport (ambulance)
    • Prescription medicines

Process for Requesting to Waive the Student Health Plan

  • Check with your insurance company to make sure your plan benefits meet the appropriate requirements.  Benefit information may also be available through your insurance company's website.  A Summary of Benefits and Coverage document will usually provide the information you will need.
  • Access the Request to Waive form
  • Login with your student ID number and last name. If you are unable to login, contact Haylor for assistance.
  • Read all information, answer all questions, and submit the form online.
  • You will receive an email confirmation of your submission. 
  • Because your waiver information is subject to verification by Haylor, Freyer, & Coon, Inc., you will be contacted by Haylor, Freyer & Coon Inc. via email if there is a problem with the verification.  
  • If your waiver is approved, Point Park will be notified, and you will receive a credit on your bill.  It is your responsibility to check your University bill to make sure you've received the credit.  If 10 days have passed since you submitted your request to waive, and you still have not received the credit for the insurance charge, check your email (including your junk or spam folder) for correspondence from Haylor indicating a problem. Follow up with Haylor if necessary.
  • Once your waiver is approved, and your bill has been credited, you are done for this academic year.  You will need to complete a request any subsequent years that you are required to have health insurance.
  • If your request to waive is denied, and you are not able to resolve the issues causing the denial so that it can be approved, the charge will remain on your student account, and you will be enrolled in the student health plan for the academic year.

Accident Insurance for Student Athletes and Performing Artists

In order to provide optimal care to student athletes and performing artists (dance and theatre majors--all concentrations), the University has purchased an athletic and performing arts accident insurance policy. This policy provides secondary insurance coverage for accidents incurred while participating in official University-sponsored athletic or performing arts events. Coverage will not be provided for pre-existing conditions or non-athletic/performing arts-related injuries.

There is no additional cost for this coverage, and there are no enrollment forms to complete; however, in order to be eligible for this secondary accident insurance coverage, the student must meet the following criteria:

Students who do not meet the above criteria are not eligible for the secondary accident insurance coverage. 

Information on the accident insurance coverage is available in the Athletic Training Office located on the first floor of the Student Center. Questions regarding eligibility for this coverage should be directed to the Office of Student Affairs.