MSU Denver Student Health Insurance Office
Location: Plaza Building Suite 149
Health Insurance Premium Per Semester:
|Fall Semester 2014||
$1,016 (5 months of coverage,
and is automatically billed to tuition if at 9 or more credits)
|Combined Spring/Summer Semesters 2015||
$1,423 (7 months of coverage,
and is automatically billed to tuition if at 9 or more credits)
|Summer Semester 2015
(New Students Only)
$608 (3 months of coverage,
and cannot be billed to tuition. Please enroll in person - Plaza 149)
Student Health Insurance Requirement 2014-2015
All students, undergraduate and graduate, taking nine credit hours or more in any given semester of attendance are required to either participate in the university-offered health insurance program or submit proof of having outside health insurance that meets the University’s compliance standards by submitting an electronic waiver compliance form by the waiver deadline for the current semester. Proof of outside health insurance must be submitted each semester a student is taking nine credit hours or more.
The University health insurance plan offered each fall semester provides coverage for five months and the spring semester plan provides coverage for seven months. Premium rates for Fall and Spring semesters vary according to the number of months included in each of the coverage periods.
Upon registering for courses, students taking nine or more credit hours will automatically be billed for the Student Health Insurance on their tuition bill and will automatically receive an email to their University email account that informs them of this charge. Students will automatically be enrolled in the University-offered health insurance plan unless they submit an electronic waiver compliance form by the waiver deadline that documents that they have outside health insurance that meets the published compliance standards.
All submitted outside health insurance information will be audited to ensure that the compliance standards are met. Students whose waivers are approved will then have the insurance charge removed from their tuition bill. Waivers will not be granted if the submitted outside insurance does not meet the compliance standards. In addition, waivers will not be granted for any waivers submitted after the waiver compliance deadline for the current semester.
Note that students who initially register for nine or more credit hours, but subsequently drop below nine credit hours before the waiver compliance deadline, will automatically have the insurance charge removed from their tuition bill and will not be covered by the University-offered health insurance for the current semester. Student taking less than nine (9) credit hours are not permitted to voluntarily participate in the University sponsored student health insurance plan.
For additional details of this requirement, including the University’s Outside Health Insurance Compliance Standards, visit Student Insurance.
The Student Health Insurance office is located in the Plaza Building, Suite 149, and can be reached by calling 303-556-2525, Monday–Friday, during regular business hours.
Coverage Dates & Enrollment Deadlines 2014-2015
Fall Coverage: August 18, 2014 through January 19, 2015
The Fall semester premium for the University-offered health insurance plan provides 5 months of insurance coverage from the first day of Fall semester to midnight of the day classes begin for Spring semester.
Spring/Summer Coverage: January 20, 2015 through August 16, 2015
The Spring semester premium is a combined Spring/Summer premium and provides 7 months of insurance coverage from the first day of Spring Semester to midnight of the day classes begin for the following Fall Semester.
Summer Coverage: June 8, 2015 through August 16, 2015
The Summer semester premium for the University-offered health insurance plan provides insurance coverage from the first day of Summer semester to midnight of the day classes begin for Fall semester.
Summer coverage is offered to new students only who are taking nine (9) or more credits. Students must enroll with the MSU Denver Student Insurance Office in person (Plaza 149). Premium cannot be billed on tuition.
|Deadline Dates to Enroll|
|Fall Semester:||September 3, 2014|
|Spring Semester:||February 4, 2015|
|Summer Semester:||June 16, 2015|
Upon registering for courses, students taking nine (9) or more credit hours as of the Fall or Spring semester deadline dates will automatically be billed for the Student Health Insurance on their tuition bill, and will be automatically enrolled onto the Student Health Insurance Plan.
A discount dental plan is available for purchase through Assurant Dental Care. Many preventive and diagnostic services are offered at a low or no co-payment amount. The dental plan includes a vision benefit through Vision Service Plan (VSP).
Click on the links below for additional information about how to enroll.
Other Dental Service Options:
Community College of Denver's Dental Hygiene Clinic
For appointments call 303.365.8338
University of Colorado Denver School of Dental Medicine
For appointments call 303.724.6900
Benefits are provided under this endorsement for Covered Dental Services, as described in the link below, for Insured Persons under the age of 19. Benefits under this endorsement terminate on the earlier of: 1) the date the Insured Person reaches the age of 19; or 2) the date the Insured Person's coverage under the policy terminates.
MSU Denver Continuation of Insurance Enrollment
At the end of Fall and Summer semesters, students who were covered under the insurance plan for at least one semester can purchase Continuation in increments of one month, with a three (3) month maximum, limited to the length of time to the next Policy Year.
Determination of the length of coverage and payment must be made at the time of application.
Brochures for the Continuation Plan are available at the MSU Denver Student Health Insurance Office in Plaza 149.
Obtain an Enrollment Form in the Insurance Office, or use the link below:
Questions? Please call the MSU Denver Student Health Insurance Office at 303.352.7284.
Health Center Benefits
The Health Center at Auraria provides on-campus health care to any MSU Denver student enrolled for at least one credit hour. Students do NOT need to participate in the Student Health Insurance Program to use the Health Center at Auraria. However, for those students who do participate in the Student Health Insurance Program, all eligible health care services are covered 100%, with no deductible and no pre-existing exclusions.
Benefits at the Health Center for Students Participating in the Student Health Insurance Program:
- No out-of-pocket expenses (except for certain prescription co pays), 100% reimbursement for eligible expenses, no co-insurance.
- Most prescription co-payments are $20.00; no limitation on Rx benefit for medications obtained at the Health Center at Auraria.
- 100% well-care benefit, which includes one annual preventative health examination, supplies and selected lab testing
- Pre-existing condition exclusions are waived for all services performed at the Health Center at Auraria
- No insurance claim paperwork to complete; this is done for the student by Health Center personnel
Deadline Dates for Submitting an Online Insurance Waiver
Last Day to Submit an Insurance Waiver
September 03, 2014
February 04, 2015
If an undergraduate student has less than 9 credit hours in the Fall, Spring or Summer semesters, or if a graduate student has less than 9 credit hours in the Fall, Spring or Summer semesters to graduate, they can enroll in the insurance plan for their last semester.
The MSU Denver Student Insurance Office requires that the student’s academic advisor in the major department provide written documentation that the student has less than the 9 hours to graduate and the student will graduate at the end of the enrolled semester.
The enrollment form, academic advisor letter, and CAPP report must be submitted directly to the Student Insurance Office, Plaza 149. For enrollment questions, please call 303-556-2525.
PRESCRIPTION DRUG PLAN - EXPRESS SCRIPTS
Benefits are provided through Express Scripts, a point-of service provider. Please call 800-206-4005 for questions regarding benefits or network participating pharmacies. If an Insured Person incurs Rx claims within the first 6 weeks of the semester, the Insured Person must pay for the Rx and submit a claim to Express Scripts after the 6th week at:
Express Scripts, Inc.
ATTN: Commercial Claims – Group # AM2A
P.O. Box 2872
Clinton, IA 52733-2872
After 6 weeks, the Covered Person may go to any network pharmacy. A separate $200 point-of-service Policy Year Deductible must be satisfied before copayments become effective. The copayment is $20 for generic drugs, $40 for brand name drugs, or $60 for non-formulary drugs, for eligible prescription drugs up to a 30 day supply per prescription or refill. Maintenance medications may be filled up to a 90 day supply. A copay of $40 generic, $80 brand or $120 non formulary will apply per prescription for a 31-60 day supply. A copay of $60 generic, $120 brand, or $180 non formulary will apply per prescription for a 61-90 day supply. A separate $200 point-of-service Policy Year Deductible must be satisfied.
Cofinity PPO Network Directory (Insire colorado)
First Health Network (outside Colorado)