Plan Enrollment and Cost of the Student Health Insurance Program at the University of Northern Colorado

Eligible Students and Dependents

Eligible Students

All Students enrolled in at least nine (9) semester hours of classes will automatically be enrolled in the University of Northern Colorado Student Health Insurance Plan (UNC SHIP). These students have the option to waive the insurance if they complete an on-line waiver in URSA by the 10th day of classes.
Students who waived the student insurance in a previous semester but want to be on the insurance plan for the current semester may complete a request for re-enrollment. If you request the re-enrollment during the open enrollment period at the start of the semester (no later than the 10th class day), you will be insured with the Student Insurance beginning on the effective date of coverage for that semester. You must meet the other enrollment criteria as stated in this document.
If you want to enroll in the Student Insurance after the open enrollment period, you must show proof of the loss of your other coverage and the enrollment form needs to be approved by the insurance company before the coverage will be effective. Coverage will begin on the date the insurance company approves the enrollment. Coverage will not be back dated.
Students who are enrolled for less than nine (9) hours of classes are not eligible to participate in the UNC SHIP. Students enrolled at the Lowry campus or in an Extended Studies Program are not eligible to participate in the UNC SHIP. They may, however, contact Academic HealthPlans at (888) 308-7320 who will assist them in finding individual coverage.
Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased unless he or she withdraws due to an Injury or Sickness and the absence is an approved medical leave. The Company maintains its right to investigate student status and attendance records to verify that the Eligibility requirements have been met. If the Company discovers the Eligibility requirements have not been met, its only obligation is refund of premium. Please contact the Student Health Insurance Office at (970) 351-1915 for details.

Eligible Dependents

An Insured student’s Dependents (spouse and children) are eligible to participate in this Plan. Dependent enrollment must take place at the initial time of student enrollment or beginning with the next enrollment period, with the exception of newborn or adopted children. Dependent coverage is available only if the student is also insured. Dependent coverage cannot exceed the coverage of the Insured student and expires concurrently with that of the Insured student. A Dependent is defined as a student’s spouse or unmarried children: 1) under the age of 19; or 2) 24 if a full-time student and financially dependent upon the Insured student. Eligible child(ren) are the insured students own children, stepchildren, lawfully adopted children under age 18 and children who may have been placed with the Insured student for the purposes of adoption.

Newborn Children

At the birth of a child to a covered student or covered spouse while the student’s insurance is in force, that child will automatically become a Covered Person from the moment of birth, including: 1) Injury; 2) Sickness; 3) Medically Necessary care and treatment of congenital defects and birth abnormalities; 4) necessary care and treatment of cleft lip and cleft palate, and 5) other care specifically indicated in the Policy. Coverage will continue without cost for 31 days. If the student has no other covered children, payment for the child’s coverage must be remitted within that 31-day period, or the coverage will terminate for that child at the end of the 31-day period. Hospital charges and associated ancillary charges in conjunction with newborn well baby care following birth are eligible expenses subject to Deductible and Coinsurance.