University of Nebraska Medical Center

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, UNMC 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.

Students may participate in the UNMC-sponsored plan through 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. 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 (once the student is registered for their fall or spring semester classes and their tuition bill is calculated) on the students' UNMC MyRecords system on the home page.

For more information contact Student Health Administration at 402-559-5328.

UHCSR Student Health Insurance Website

  • Locate an in-network provider
  • Review ER benefits
  • File a claim online

Participation and Cost

Students may refer to the UnitedHealth website for the cost of the insurance per semester, as well as the coverage effective date, based on their program.

Required Policy

The following groups are automatically enrolled in this insurance plan, unless proof of comparable coverage is furnished.

  • All domestic and international students who are undergraduate/professional students enrolled in 12 or more credit hours
  • Undergraduate nursing students enrolled in the traditional six-semester program
  • Graduate nursing students enrolled in six or more credit hours
  • Graduate students enrolled in nine or more credit hours
  • Doctorate students enrolled in a PhD program
  • MMI visiting scholars

Voluntary Policy

All domestic and international students and visiting scholars who are not in one of the groups above are eligible to enroll in this insurance plan. 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.

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.


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), once their own semester coverage is activated, the student may go to the United Healthcare Student Insurance website to enroll at the beginning of each fall and spring semester.

How to file a claim

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

Urgent or emergency situations

If at all possible in an emergency situation, students should go to the UNMC/Nebraska Medicine emergency room. Students must call or email the UNMC Student Health Office within 48 hours to get a referral to the emergency room 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.

Students are encouraged to seek care at an in-network United Urgent Care facility instead of the hospital emergency room, as the total charge for an in-network Urgent Care visit is $75. Once the student pays $75, United will typically cover most other Urgent Care expenses at 100%.


Chadsity Crear

Insurance Coordinator