United HealthCare Student Plan

Enrollment in the United HealthCare Student Plan

If a student's insurance is not valid in Michigan, or if a student does not have health insurance, enrollment in the United HealthCare Student Plan is required. Only those taking 6 or more credit hours at Calvin College are eligible for enrollment. Students must enroll in or waive out of the United HealthCare Student Plan annually.

Coverage and Benefits

Annual coverage for the 2017–18 academic year begins on August 15, 2017, and continues through August 14, 2018. The premium is $1420. Spring/Summer coverage begins January 1, 2018 and continues through August 14, 2018.

Once enrolled, the insurance premium will be billed to the student's miscellaneous account, and payment can be made through financial services.

Once enrolled in the United HealthCare Student Plan, coverage cannot be canceled after November 15th for the Fall or Annual plan or after March 15 for the Spring plan. (International Students cannot waive out of the plan after August 15.) No waivers will be accepted after those dates and no refunds will be given. Students who miss the annual or spring open enrollment dates will have an opportunity to join the plan; however, no pro-rated premium is available.

What the United HealthCare Student Plan Insurance Covers

Check out the types of medical services your United HealthCare Student Plan insurance plan covers while you're a Calvin student.

You can also view the 2017–18 United HealthCare International Student Plan Brochure and United HealthCare Domestic Student Plan Brochure online.

On-campus care

The United HealthCare Student Plan will pay unlimited benefits for covered services at the Health Center (including visit costs and lab tests). These services are provided for current students only. A referral list of area providers is available for spouses and dependents.

Prescription medications dispensed from the health center are covered at 100%. Over-the-counter medications are not covered at the health center, but can still be purchased if recommended by one of our providers.

Off-campus care

If you need to receive care off-campus, we highly recommend that you see a Preferred Provider, or someone who is in-network with United HealthCare. To find someone in-network with United HealtCare, visit Provider Lookup Online to find a provider or facility near you.

The United HealthCare Student Plan has a one-time $200 deductible per policy year for medical services received off-campus. It is common to receive this charge the first time you use off-campus services, such as lab work or emergency care.

You need to carry your insurance card at all times. Most health care providers will file a claim for you.


The United HealthCare Student Plan will pay for prescription drugs at area pharmacies per policy year. There is a $15.00 copay for generic drugs, and a $25.00 copay for brand name drugs. Some higher tier drugs have copays of $50.00. If you have any questions, contact Health Services.

On campus, there are no copays for prescription medications. Over-the-counter medications are not covered.

Emergency room treatment

You may receive benefits for the emergency room. However, there must be a diagnosed sickness or accident, and it must be considered an emergency (life threatening). There is a $100 co-pay for emergency room visits that will be waived if you are admitted.

If you need to be hospitalized, the United HealthCare Student Plan will pay 80% of the Preferred Allowance. Other benefits are payable for surgeries, anesthetist, etc.

Diagnostic tests and lab services

Diagnostic x-rays, tests, procedures and laboratory services are covered under the Outpatient Miscellaneous benefit. These tests are covered at 80% for covered illnesses and injuries for preferred providers.

Mental health services

The United HealthCare Student Plan covers 80% of off-campus costs. On-campus visits to Broene Counseling Center are free-of-charge. Psychiatric and attention-deficit evaluation and treatment are available on a part-time basis. If you are seen by one of these on-campus Calvin/UnitedHealthcare-contracted providers, you will receive 100% coverage, minus the office visit copay.

Other features and benefits

  • Global Emergency Medical Assistance
  • Accidental Death and Dismemberment Benefits
  • Emergency Medical Evacuation and Return of Mortal Remains
  • StudentResources Online Services