Student Health Insurance Plan

Available for CAS Undergraduate Students Only

For more information about this health insurance plan available for CAS undergraduate students while attending the University of Redlands, please visit the Academic Health Plans' website.  Their customer service number is (800) 537-1777.

Waive or Enroll

Opportunity to WAIVE Student Health Insurance Plan for Spring Semester: December 1, 2023 - January 17, 2024

The University of Redlands requires all CAS undergraduate students enrolled in nine or more credits to have health insurance that provides access to local health care and helps minimize the financial burden an accident, injury, or illness creates.  The University confirms qualifying coverage on an annual basis.

On a practical level, this means if a CAS undergradaute student is enrolled in more than nine credits, their fall semester bill will reflect a charge for the University of Redlands Student Health Plan (URSHP), unless or until proof of qualifying coverage is confirmed. Proof of coverage must be received before September 20, 2023.  This is the only opportunity to waive the URSHP for the entire year of the plan’s coverage. 

Students will receive emails directly from Academic Health Plans (AHP) who serves as the institution’s insurance broker and enrollment customer service representative, with a direct link to submit proof of insurance coverage that complies with the Affordable Care Act and meets State of California requirements (short-term medical plans and travel insurance do not qualify).  The first opportunity to submit proof of insurance coverage or to enroll directly will be sent on June 1, 2023.  The company will send a few additional reminders to students who take no action.  Should you not receive an email from AHP (noreply@ahpcare.com) on Thursday, June 1, please contact AHP Customer Service at 800-537-1777.  After the September 20, 2023 deadline, students who did not submit proof of insurance coverage will be enrolled in the annual insurance coverage.

A URSHP charge will appear on your fall tuition bill; this charge will be removed provided qualifying coverage is confirmed on or by 5:00 pm on September 20, 2023.

For those who need health insurance coverage, the University partnered with AHP, an insurance broker, to secure a student health insurance plan with Wellfleet. The annual coverage is $1,593. Coverage begins on August 10, 2023, and ends on August 9, 2024.  This total annual rate will be divided into two payments and billed to student accounts, as appropriate, in the Fall and Spring of this academic year.

Highlights of the plan include the following:

  • Compliance with the state and federal laws
  • Annual deductibles: $250 in and out of network combined
  • In-Network physician office visit $20 Copay, then 100% Coverage
  • Prescription drug coverage based on four tiers
  • Behavioral Health Hotline and Telemedicine services included

If a student outside the local area is currently covered, for example, under a family member’s employer plan, we strongly encourage making contact with the provider to confirm the depth and breadth of coverage in southern California and/or to inquire about extending coverage to San Bernardino County and surrounding areas.  For example, Kaiser Permanente customers have found some coverage is regional and therefore does not include healthcare facilities in the area surrounding the Redlands campus.

While full details of the plan can be found here, do note that some students may qualify for health insurance coverage through Medi-Cal, California’s part of the country’s national health coverage program, or Medicaid. Medi-Cal information, including eligibility categories, can be found here.

If you have questions about Medi-Cal, contact the San Bernardino County Office of Health and Human Services: https://www.dhcs.ca.gov/services/medi-cal/Pages/CountyOffices5.aspx.

If you have questions about the Student Health Insurance Plan or the health insurance verification process, contact AHP Insurance Service at (800) 537-1777.

If you have any general questions or concerns, please contact Senior Associate Dean of Student Affairs, Dr. Ken Grcich at Ken_Grcich@redlands.edu.

What are some highlights of the student health insurance plan?

  • Compliance with the state and federal laws 
  • Annual deductibles: $250 in and out of network combined 
  • In-Network physician office visit $20 Copay then 100% Coverage 
  • Prescription drug coverage based on four tiers 
  • Behavioral Health Hotline and Telemedicine services included

Where do I waive or enroll in SHIP?

Follow the "Waive or Enroll" button at the top of this page to waive or enroll in the student health insurance plan.

 

How do I get my insurance card?

Once you are enrolled in the plan, you will receive an email notifying you that your ID card is available. To access your ID Card, visit www.wellfleetstudent.com.

Carry your ID card with you at all times! When you visit a physician’s office, urgent care, or hospital, you will need your card.

If I enroll in SHIP, can I use my insurance before I get my insurance card?

The enrollment process takes 7-10 business days. Insurance cards will be sent through email and available for download once the enrollment process is completed.
If you need medical treatment before you receive notice that your ID card is active, you can pay out of pocket and submit a potential reimbursement or contact AHA at (800) 537-1777. 

What’s covered with the student health insurance plan?

  • Physician visits and hospital charges paid at 80% of NC (after copay and deductible) for Cigna OAP services; or 60% of U&C for out-of-network services
  • Emergency room
  • Surgery, in-, and outpatient
  • Tests, procedures, and lab services, such as X-rays
  • Physical therapy, acupuncture, and chiropractic care
  • Maternity and prenatal care
  • Prescription drugs
  • Limitations and exclusions may apply. Please see the Plan Summary available on AHA's website.

Where can I access care?

If you experience sickness or an injury, here are the places you should go to access care. Each option is discussed in detail on the following pages.

  • Physician’s office for medical concerns and sick visits
  • Urgent care center for non-emergency illnesses or injuries that need immediate care when the campus health center is closed
  • Hospital, for a scheduled surgery or a medical emergency only

How does medication work? Do I have to pay for medication with SHIP?

Fill your prescriptions at a Wellfleet Rx / ESI pharmacy. To locate a pharmacy, visit wellfleetstudent.com.

Points to consider:

  • ALWAYS ask for the generic form of the drug, if available; this will decrease the cost.
  • If you do not use a pharmacy that is part of the Wellfleet Rx / ESI network, you must pay in full and send a claim for reimbursement.
  • Download a prescription claim form at 4studenthealth.com/redlands under Pharmacy in the USE YOUR INSURANCE section.

Send all receipts with the completed claim form to the address on the form. You will be reimbursed 60% of actual charges of the medication, less the applicable copay. Make copies of all receipts for your records before you mail them.

I’m not from southern California, am I still covered by my healthcare provider?

If a student outside the local area is currently covered, for example, under a family member’s employer plan, we strongly encourage contacting the provider to confirm the depth and breadth of coverage in southern California and/or to inquire about extending coverage to San Bernardino County and surrounding areas. For example, Kaiser Permanente customers have found some coverage is regional and therefore does not include health care facilities in the area surrounding the Redland’s campus.

Do I qualify for Medi-Cal?

Some students may qualify for health insurance coverage through Medi-Cal, California’s part of our national health coverage program, Medicaid. Medi-Cal information, including eligibility categories, can be found here.

If you have questions about Medi-Cal, you should contact the San Bernardino County Office of Health and Human Services: https://www.dhcs.ca.gov/services/medi-cal/Pages/CountyOffices5.aspx.

Where can I find more information about the student health insurance Plan?

If you have questions about the student health insurance plan or the health insurance verification process, you should contact Academic Health Plan (AHA) directly at (800) 537-1777.

Full details of the plan can be found on AHA's website.