Student Health Insurance

In addition to the Student Health/Family Medicine Clinic (located in the Durham Outpatient Center building on the Omaha campus), which provides outpatient services for students through payment of the "Fund B" fee, the University has contracted with the United Healthcare Student Resources Insurance Company to provide accident/illness insurance coverage.   The plan also provides for outpatient surgery, dental, and prescription coverage. 

Participation and Cost

Full-time students:

Undergraduate/professional students enrolled full-time (12 or more hours), all students enrolled in Graduate Programs, Graduate Nursing students enrolled in 6 credit hours or more, (and all undergraduate Nursing students enrolled in 12 hours) are required to have inpatient (hospitalization) health insurance.   Students may participate in the University-sponsored plan thru United Healthcare Student Resources, or they may have their own plan through a parent, spouse, employer, or self.    The cost of the United Healthcare Student Insurance is automatically billed each fall and spring semester on the full-time student’s tuition statement/bill.  Therefore, if students do not wish to participate in the University plan through United Healthcare, they must file a Waiver verifying alternate insurance.   The waiver can be completed electronically on the students' UNMC MyRecords system (NU Dashboard) - on the home page.    

Students may refer to this link for the cost of the insurance per semester, as well as the coverage effective date, based on their program: https://www.uhcsr.com/unmc.

NOTE:  Waivers can be completed approximately 14 days before the start of the semester’s classes but MUST BE FILED by the deadline of 14 days following the first day of classes.  And please note that students who have an approved fall semester waiver do not need to file another waiver for the following spring semester. 

Part-time students:

Students who are enrolled part-time may also enroll for the particular semester in the United Student Insurance Program by enrolling on the United Healthcare Insurance website and must do so within the first two weeks of each semester at: https://www.uhcsr.com/unmc.   Please know that students who lose their current insurance coverage during the semester may enroll in the student insurance plan with written proof of their loss of insurance; please contact Patricia Oberlander for further information; she may be reached via phone or email.  

Dependents

The University of Nebraska Medical Center also offers inpatient (hospitalization) insurance (which includes dental and prescription coverage within the Plan) to dependents of students thru United Healthcare.  If a student is interested in purchasing a major medical policy for their dependent(s), they may go to the United Healthcare Student Insurance website, https://www.uhcsr.com/unmc to enroll at the beginning of each fall and spring semester.   Please contact Patricia Oberlander at 402-559-7276 with any questions.

The University offers Student Health Clinic privileges (Fund B) to a student’s dependents.  Students may purchase these Clinic privileges for their dependents through the UNMC Student Accounts Office via email.   

Please Note:   Fund B is NOT an insurance plan.

How to file a claim

Claim forms are available under each student’s own account on the United Healthcare website.

Important information regarding an instance when a student must see a doctor/clinic after Student Health Clinic hours:   

If at all possible, (for a true emergency only) students should go to the UNMC/Nebraska Medicine Emergency Room (ER); students must call or email the UNMC Student Health Office within 48 hours to get a referral to the ER in order to have the $500 deductible and $300 copay waived (without a referral, if you are admitted as a patient into the hospital from the emergency room, the copay only is waived).     
Note:   Students are encouraged to seek care at an in-network United Urgent Care facility instead of the hospital Emergency Room, as the total charge to thru an in-network Urgent Care is $75;  once the student pays $75, United will typically cover most other Urgent Care expenses at 100%.