Student Health Insurance
Goucher College offers an Injury and Sickness insurance policy to all undergraduate students taking 12 or more credit hours per semester and all graduate students taking 9 or more credit hours and their dependents, if desired. PLEASE READ ALL DETAILS AND INSTRUCTIONS CAREFULLY AND NOTE THAT YOU MUST FIRST VISIT THE STUDENT HEALTH CENTER, UNLESS YOU ARE OUTSIDE THE AREA (greater than 50 miles from campus) AND/OR THE CLINIC IS CLOSED. You will be automatically enrolled in this insurance unless you return a signed waiver indicating comparable coverage. This fee will be charged to the student's billing account at the end of the enrollment period. For more information about Goucher student health insurance, please go to www.firststudent.com or call United Healthcare Insurance Company at 1-800-505-4160.
We realize that many of you are covered under your parents' policies or have coverage of your own. HOWEVER, WE ADVISE YOU TO CHECK WITH YOUR INSURANCE COMPANY OR HMO BEFORE YOU MAKE THE DECISION TO WAIVE THE GOUCHER INSURANCE; SOME MANAGED CARE COMPANIES WILL NOT OFFER NON-EMERGENCY COVERAGE OUTSIDE YOUR PLAN AREA. This may contribute to a delay, additional stress and costs while attempting to coordinate necessary medical care.
If you need help in filing claims for the Goucher student health insurance, call Kayla Bullock or Jennifer Abell at Student Health Services, (410) 337-6050. If you have questions about the policy, feel free to contact Customer Service at 800-767-0700 or firstname.lastname@example.org.
Student Health Insurance Enrollment Information
For requirements and instructions for undergraduate and graduate student health insurance enrollment, please visit the billing deptartment's webpage.
Please Note: Graduate student health insurance enrollment is elective and requires a separate process from the Undergraduate student health insurance enrollment.
Federal Health Insurance Enrollment Information
To take advantage of the affordable Federal Health Insurance go to www.healthcare.gov for details.
Frequently Asked Questions
What do I pay when I visit the Student Health Center?
If you have Goucher College’s Student Health Insurance Plan (through United Health Student Resources) you do not have any visit or procedure fees at the student health center. Any prescriptions dispensed at the student health center are also covered. The only time you would receive a charge from the student health center is if you miss an appointment without cancelling*, or if you purchase an over the counter medication.
What on campus benefits can I take advantage of if I carry the Insurance?
Students on this plan can receive fully covered** massages and acupuncture on campus (space is limited). To schedule a massage, call 410-337-6050. If you are interested in acupuncture, please email email@example.com to set up an appointment. ***
How do I get a copy of my insurance card?
To print a copy of your insurance card, please visit www.firststudent.com and create an account, by logging into My Account. We can also print this for you at the student health center.
What do I do if the health center isn’t open and I need to see a provider?
All students who carry the insurance can access a physician 24/7 through HealthiestYou, and online telehealth provider. This service is completely FREE. Have your insurance information ready and visit http://go.healthiestyou.com/student/ to have a phone or video consult with a physician at no cost to you.
Please note, this physician may advise you go to an in-person treatment facility (hospital ER, urgent care) if more information or tests are needed.
Does this Insurance cover counseling or therapy?
Most psychiatrists or therapists that take United Health insurance can also accept United Health Student Resources. This year, United Health Student Resources partnered with BetterHelp, a 24/7 online counseling service. Through www.betterhelp.com, you can access Psychologists, Licensed Professional Counselors or Clinical Social Workers using this service. This service matches you with a counselor based on your preferences. Every communication you have with your counselor during your policy period is 100% covered.
What might I pay if I seek care outside the Student Health Center?
For the 2019-2020 policy year, your deductible is $250. This deductible applies to all care received outside of the SHC, which includes any lab work or tests that are sent from the SHC to third party (LabCorp, advanced radiology). What this means is that if you have lab work, radiologic studies, or hospital care you will need to pay $250 before your plan starts to cover those expenses. After the deductible is met, you typically will just pay your copay or co-insurance rate for the rest of that plan cycle. Preventative care services (physicals, GYN exams, routine screenings and immunizations) are 100% covered when you see an in-network provider. Other services provided by in-network providers are 80% covered by insurance. If you are seeing an out-of-network provider, your insurance will pay 60% of the charges accumulated. Please ask the Student Health Center for a Plan Summary if you would like more details.
* The missed visit fee for an appointment with a health care provider is $15
** Limit of 12 total massage/acupuncture sessions per coverage year
*** No tipping policy, no-show fee for acupuncture and massage is $35