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Health Services / Student Health Insurance


Student Health Insurance


The Health Insurance Waiver Portal is now OPEN for Fall 2019 actions (waivers and enrollment).  

The health insurance portal will close for ALL students on Wednesday, September 11, 2019 at 5:00pm EST. If a waiver is not submitted by the deadline, the fall charge ($1,315.00) on your student account will remain and cannot be removed.  

To enroll in the insurance plan, please complete your enrollment early so you receive your insurance card in a timely manner. 

New students will need to set up their account prior to taking action in the portal. Please visit our "Navigate the BCBS portal" site for videos and printed walk through guides. Current students will need to log-in to the portal using their Meredith email address and their BCBS portal password. Please note that the BCBS portal password is different from your Meredith password. 

All required students must take action in the Meredith BCBS insurance portal. Required students include: all full-time undergraduates, licensure only, pre-health, I/O Psych, international, study abroad, and dietetic interns.

Click here to access the portal

Click here to learn how to navigate the BCBS portal


Blue Cross Blue Shield of North Carolina (BCBSNC) has been selected to be the health insurance carrier for Meredith College students for the 2019-20 academic year at a rate of $263/month. The Fall 2019 rate is $1,315.00 which covers 5 months, August 2019 to December 2019 and the Spring/Summer 2020 rate is $1,841.00 which covers 7 months, January 2020 to July 2020.

This major medical plan meets the requirements mandated by the Affordable Care Act in March 2012.

Meredith students required to have health insurance are:

  • All full-time undergraduate students, 12+ credit hours

  • licensure only students

  • pre-health students

  • international students

  • students studying in a Meredith study abroad program (ex: Sansepolcro)

  • dietetic interns

  • I/O Psych students (added as of Fall 2019)

If you want to enroll in Meredith's BCBS Insurance, or wish to opt out by completing a waiver with your personal insurance information, visit the BCBS portal.

Please visit our "Navigate the BCBS portal" site for videos and printed walk through guides.

 

Student Health Insurance Frequently Asked Questions

Why is Meredith requiring health insurance?

Many Meredith students have health insurance, but for those who do not, an injury or illness could be costly and possibly affect a student’s ability to remain in school and progress toward a degree. Meredith feels that all students benefit from having health insurance to help offset costs of an unexpected illness or accident. Conversely, students without health insurance do not have access to needed specialty care or hospitalization and may attempt to continue their academic pursuits but fail to reach their full potential because of their untreated illness.

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What Meredith students are required to have health insurance?

Eligible students required to have health insurance are:

  • All full-time undergraduate students

  • licensure only students

  • pre-health students

  • international students

  • students studying in a Meredith study abroad program (ex: Sansepolcro)

  • dietetic interns

  • I/O Psych students (added as of Fall 2019)

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What are the annual policy dates and rates for 2019-20?

The BCBSNC annual coverage is effective from August 1, 2019 - July 31, 2020. The cost is $263/month. The payments are split between fall and spring/summer.

  • Fall 2019: $1,315.00 (5 months, August 2019 to December 2019)
  • Spring/Summer 2020: $1,841.00 (7 months, January 2020 to July 2020)

Review the current plan with BCBS NC.

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I already have health insurance. What do I need to do so I don't get billed? How do I meet this requirement?

Students who have health insurance coverage must waive out every year while enrolled at Meredith College.

Eligible students with an existing health insurance policy should complete the on-line waiver. The portal will open for new students in June during StartStrong and for returning students starting Monday, July 1, 2019. The portal will close for ALL students on Wednesday, September 11, 2019 at 5:00pm EDT. No changes can be made after the portal closes. If the student does not complete the waiver and have it approved then the health insurance charge will remain on the account and the student will be enrolled in Meredith sponsored BCBS plan.

It is important that you complete this waiver EVERY YEAR while at Meredith. Students who do not complete this waiver will be charged for the student health insurance on their Meredith student account. The health insurance charge will remain on the account and cannot be removed via waiver after the deadline.

If a waiver is not submitted by 5:00 p.m. EDT on September 11, 2019, the fall charge ($1,315.00) on your student account will remain and cannot be removed. The effective date for students who are default enrolled is September 11, 2019

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I do NOT have health insurance. What do I need to do?

All eligible students WITHOUT an existing health insurance policy:

  • Students may elect the plan Meredith offers and opt to enroll OR

  • Choose to purchase an acceptable insurance plan* of their choice and complete the waiver on-line.

  • Students who do not complete an on-line waiver by 5:00 p.m. on September 11, 2019 will not be able to remove the student health insurance charge and will be enrolled into the Meredith sponsored BCBS plan. After the portal deadline, all student health insurance charges will remain on student accounts and cannot be removed.  

  • We encourage students to enroll in July to allow time for your insurance cards to be printed and mailed by August 1, 2019. 

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Can I purchase insurance from an outside agency (not the plan Meredith provides)?

Yes.  You can purchase health insurance from an outside agency, however, the health insurance plan you purchase must be an acceptable insurance plan. 

An acceptable insurance plan is one that is:

  • active for the entire academic year,
  • provides comprehensive medical coverage including mental health,
  • comparable coverage to the Meredith sponsored BCBS plan,
  • compliant with the Affordable Care Act,
  • and have providers that accept the coverage in the Raleigh area.

Note: Limited liability, short-term, month to month, out of state Medicaid, Kaiser, and similar plans will not be accepted.

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Do I have to complete a waiver to verify my insurance each year?

Yes. All eligible students need to complete the on-line waiver to verify their insurance information annually.

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As a resident student at Meredith College, I pay a health fee each semester. How is health insurance different from that?

If you are enrolled as a resident student living in a residence hall, the student health fee is included with room and board charges. The student health fee is not health insurance. This fee covers the basic care offered at the campus health center in Carroll Hall. Some laboratory procedures and special services require additional fees.

Health insurance gives students access to services and specialists not available at the health center in Carroll Hall. Health insurance also may cover a portion of the cost for services not provided at the Student Health Services, such as hospitalization, required surgery or specialty services for illnesses or injuries.

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I worry about identity theft. Why do I have to provide my private information?

We understand that concern. This is why BCBS NC helps coordinate the student health insurance waiver plan. BCBS NC will not sell our students' information to anyone, including direct mail marketing vendors. They also use the most stringent, HIPAA-compliant web security currently available. Great care is taken to minimize the potential for security breaches that might lead to fraud or other malicious use of personal information. Meredith also takes steps to protect student information.

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What happens when I graduate in December, acquire other health insurance, need to discontinue coverage for the spring/summer or do not return to Meredith for the spring semester? Am I eligible for a refund?

As of fall 2016, insurance is billed by semester (fall and spring/summer). If you no longer meet the requirements for requiring insurance (such as graduating, transferring, etc), you will not be eligible for coverage in spring and your coverage will end December 31, 2019.

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Is financial assistance available for the cost of the required health insurance?

Yes.  For those who qualify, student and parent loans are available.  Students should first apply for financial assistance by completing the Free Application for Federal Student Aid (FAFSA) at http://www.fafsa.gov. After completing the FAFSA, students may contact the Office of Financial Assistance at 919-760-8565 or by e-mail finaid@meredith.edu.

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What if I am a graduate student?

Only graduate students in the following programs are required to show proof of health insurance: pre-health, dietetic interns, I/O Psych, international students, licensure only, and students that are studying abroad. Only graduate students in those programs are eligible to enroll in the Meredith sponsored BCBS policy. If you have questions, please contact your department head.

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What are the policy highlights for the plan Meredith is offering with BCBS NC for in-network providers in 2019-20?

Office Visits (not subject to deductible):

  • $25 copayment for Primary Care Provider

  • $50 copayment for Specialist Provider

Preventive Care Visits (Routine exams, immunizations, well-woman care, routine eye exam, bone mass measurement and more)

  • 100% covered, no deductible

Urgent Care and Emergency Room visits

  • $50 copayment for Urgent Care

  • $300 copayment for Emergency Room

 Deductible

  • $1,000 per person

 Coinsurance maximum (Includes the deductible and co-pays)

  • $3,000 per person

Lifetime Maximum

  • BCBS NC pays an unlimited lifetime maximum

Inpatient and outpatient hospital services

  • 30% after deductible

Prescription drugs filled at a BCBS NC In-Network Pharmacy co-pays (Unlimited benefits):

  • $15 for Tier 1 (generic) for a 30 day supply

  • $45 for Tier 2 (preferred brand) for a 30 day supply

  • $60 for Tier 3 (brand) for a 30 day supply

  • 25% copay for Tier 4 (specialty brand*)

    • $50 minimum/$100 maximum for each 30 day supply

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If I do not have health insurance in the spring, can I purchase the plan Meredith offers from January 1, 2020 - July 31, 2020 if I completed a waiver in the fall?

Yes. Eligible students may choose to start coverage in the spring by notifying Blue Cross Blue Shield of North Carolina at (800) 579-8022 or by visiting the BCBS website. The waiver period for the spring semester is November 20, 2019 to 5pm on January 22, 2020.

To discontinue spring/summer coverage students must complete Blue Cross Blue Shield of North Carolina (BCBS NC) a waiver and have it approved by 5:00 pm, January 22, 2020.

Students who fail to notify BCBS NC to opt out of the spring/summer coverage by 5:00 pm, January 22, 2020 will remain on the policy through July 31, 2020 and will be charged $1,841.00.

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Is it possible to join the plan outside of the enrollment period?

It may be possible to join the plan within a 30-day period following a life-qualifying event. Examples of qualifying events include loss of coverage due to age, divorce/marriage, and termination of employment. If you have a question about joining the plan outside of the open enrollment period due to a qualifying event, please contact Student Blue at (800) 579-8022. 

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Who do I contact if I have additional questions?

Contact BCBS NC at:

Student Blue
PO Box 2073
Durham, NC 27702

1-800-579-8022
email@studentbluenc.com

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What is an acceptable insurance policy to waive with?

An acceptable insurance plan is one that is:

  • active for the entire academic year,
  • provides comprehensive medical coverage including mental health,
  • comprible coverage to the Meredith sponsored BCBS plan,
  • compliant with the Affordable Care Act,
  • and have providers that accept the coverage in the Raleigh area.

Note: Out of state Medicaid, Kaiser, and similar plans will not be accepted. 

Commonly Used Health Insurance Terms

Deductible
A deductible is the amount of out-of-pocket expenses the insured person (you) must pay for health services before benefits become payable by the insurance carrier.

Co-Payments
Co-payments are payments made by the insured person (you) toward the cost of a particular benefit. For example, an insurance plan might require a $20 co-pay for each 31 day supply of a prescription medication. An emergency room visit might have a $50 copay per visit plus 80% of preferred and allowable expenses.

Coinsurance
Coinsurance means the insured person (you) and the insurance carrier share costs according to a specified ratio (e.g. 80%: 20%) of the hospital or medical expenses resulting from a sickness or injury.

Covered Illness/Sickness
A covered illness/sickness is any disease, infection, or condition other than injury that is first treated or diagnosed by a doctor on or after the effective date of coverage under the insurance plan, unless pre-existing condition waivers apply.

Covered Injury
A covered injury is an accidental body injury that causes loss - directly and independently of all other causes - and is sustained on or after the effective date of coverage under the plan, unless pre-existing condition waivers apply.

PPO
PPO stands for Preferred Provider Organization. These are networks formed from different health care providers and facilities who agree to accept a discounted payment level for charges incurred by patients insured under a plan with that specific PPO. The campus-endorsed plan uses Blue Cross Blue Shield of North Carolina as their PPO because it has the highest number of providers and facilities in their network

Pre-Existing Condition
A pre-existing condition is an injury, illness, or pregnancy for which medical care or treatment or diagnosis or medical advice was received or recommended or medication was prescribed prior to the effective date of the insured person’s coverage under the insurance plan. United Healthcare's pre-existing condition reads: Except for individuals who have been continuously insured under the school's student insurance policy for at least 12 consecutive months; The pre-existing condition exclusionary period will be reduced by the total number of months that the insured provides documentation of continuous coverage under a prior health insurance policy which provided benefits similar to this policy.

Referral
A referral happens when students require services that cannot be provided in the Meredith College Carroll Health Center. The Carroll Health Center staff arranges the referral with service providers in the student insurance’s PPO network, if possible.

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Campus Well Resources
Contact Information
Carroll Health Center
110 Carroll Hall
(919) 760-8535
.(JavaScript must be enabled to view this email address)

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