Student Health Insurance Plan

For more information about student health insurance while attending the University of Redlands, please visit the Relation website.  Their customer service number is (800) 537-1777.

Waive or Enroll

 

The opportunity to WAIVE or ENROLL in the Student Health Insurance Plan begins June 1, 2022.

The University of Redlands requires all CAS undergraduate students enrolled in nine or more units 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 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, 2022. This is the only opportunity to waive the URSHP for the entire year of the plan’s coverage.

Students will receive emails directly from Relation (educationsolutions@relationinsurance.com) 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, 2022. The company will send a few additional reminders to students who take no action. Should you not receive an email from Relation on Tuesday, June 1 please contact Relation Customer Service at 800-537-1777. After the September 20, 2022 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 pm on September 20, 2022.

For those who need health insurance coverage, the University partnered with Relation Insurance Services, an insurance broker, to secure a student health insurance plan with Wellfleet. We are pleased to report the plan’s annual rate has decreased while the benefits remain the same. The annual coverage is $1,563. Coverage begins on August 10, 2022, and ends August 9, 2023. This total annual rate will be divided into two payments and billed to t 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 health care facilities in the area surrounding the Redland’s 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 our national health coverage program, or 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.

If you have questions about the Student Health Insurance Plan or the health insurance verification process, you should contact Relation Insurance Service directly 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 this link to waive or enroll in the student health insurance plan.

https://www.admin.renstudent.com/Waivers/Account/LogOn?Origin=redlands

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 the campus health center, 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 Relation 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 at www.4studenthealth.com/redlands for more details.

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.

  • The campus health center, for minor illnesses or injuries
  • 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.

Does the Health Center accept any other health insurance besides SHIP?

No, the health center does not accept any outside health insurance, but they can bill for any health services.

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 Relation Insurance Service directly at (800) 537-1777.

Full details of the plan can be found here.