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Health Insurance Information

Health insurance is available to all APU students. What follows is basic information for undergraduate and graduate students, including services the insurance provides.

Our student accident and health insurance plan is provided by:

United Health Care
(800) 767-0700
www.uhcsr.com/apu

Insurance cards usually arrive about four weeks into the semester, and should be produced by the student when having testing done of any kind or seeing a provider outside of the Student Health Center.

Undergraduate Students

Health insurance is:

Undergraduate and international graduate students must use the resources at the Student Health Center where treatment will be administered or referral issued.

Graduate Students

Health insurance is:

Graduate international students receive services through the Student Health Center. All other graduate students receive services through a United Healthcare provider in their area.

For more information on graduate student health insurance, how to sign up, eligibility, coverage period, and coverage benefits, contact the Graduate Center.

Dental Insurance

Any insured student can request a supplemental dental coverage. There is a separate application available at www.uhcsr.com/apu/. All support is provided directly through United Healthcare.

Dependents

Any insured student may also insure his/her spouse or dependents. To apply, complete the Dependent Enrollment Form (PDF). All support is provided directly through United Healthcare.

Athletes

All students involved in NAIA (NCAA starting in fall 2012) intercollegiate sports are automatically enrolled in an additional insurance policy for athletes. For more information, contact the Athletics Department at (626) 815-5081.

Cost

Health insurance costs can vary from year to year, but for the 2011–12 year, they are about $250 per semester for undergraduate students and $550 per semester for graduate students. The fees appear under “Health Fee” on the student’s account and bill. The health fee will automatically be added to the account of students for whom insurance is mandatory. Graduate students who change insurance coverage must do so during the enrollment and add/drop period, and must renew their insurance in both the fall and spring sessions. For verification, students can check their accounts for a “health fee” posting by logging into their student account at home.apu.edu.

Coverage

If the student is already insured (e.g., under their parents’ policy), then the school insurance is a secondary insurance. If they have no other insurance, United Healthcare will then be the primary insurance. The Student Health Center can help you submit any bills not covered by parental (primary) insurance to United Healthcare (APU insurance, which is secondary) for reimbursement.

United Healthcare pays at 80/20. In other words, United Healthcare covers 80% of costs and the patient is responsible for the remaining 20%. The benefit year maximum is $50,000/illness or injury per year.

For the 2011–12 school year, coverage dates are as follows:

Annual 8/15/11–8/14/12
Fall
   Undergraduates 8/15/11–1/8/12
   Graduates 8/15/11–2/5/12
Spring
   Undergraduates 1/9/12–8/14/12
   Graduates 2/6/12–8/14/12
Summer 5/1/12–8/14/12

Elective or preventative dental services and elective or preventative eye care are not covered.

It is beneficial to see a United Healthcare provider when going to a doctor outside the Student Health Center to reduce the cost of the visit. A referral from the Student Health Center is necessary in order for the $100 annual deductible to be waived.

In the case of an emergency, call 911 (811 from on-campus phone) first, and then the Department of Campus Safety at (626) 815-3898. As soon as possible after an emergency, let the Student Health Center know where treatment was given so the $100 annual deductible can be waived.

For further information, pick up a brochure at the Student Health Center or download the Student Health Insurance Fact Sheet (PDF).