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I received a health insurance card in the mail with the group name of my university. I’ve read why they are making students have insurance (the reasoning of which is completely asinine) but I don’t understand how they can enroll you in a plan without your knowledge, let alone permission. Doesn’t that break some kind of HIPAA rules?!
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February 28th, 2010 at 5:03 am
Read the fine print:
Nothing is free. Obtain a breakdown of your fees and likely you will find that you paid for this. Most schools have opt-out plans where they will refund that money if you can prove you have comparable coverage. However, there are deadlines to meet.
Remember that, to a certain extent, the university is responsible for you. This may be part of their liability coverage. Of course, this is the natural order for most schools.
You may wish to talk to your student union. In most cases, the student union are the ones responsible for interactions with group plans and pick the company and/or coverage that is purchased for all students.
Lastly, students are notorious for not reading all of the information that they are expected to know. When was the last time you read every policy or every page of your academic calendar? It’s a lot of information but it is available to you. Like the law, the school will not usually accept ignorance as an excuse.
February 28th, 2010 at 5:03 am
You don’t have to accept the health insurance that the university provides, you can provide your own coverage if you wish.
They’re not enrolling you in a plan without your knowledge or permission, they’re giving you a choice of theirs or finding your own.
My guess is that the university DID inform you that unless you provide them with your health insurance information then you would be covered under theirs, but you were too lazy to read it.
If you disagree that much and don’t want to follow their rules, you’re free not to attend.
February 28th, 2010 at 5:03 am
I currently attend the University of MN, with them, they require you have health insurance either with them or your own private. Now part of registering for classes require you to notate whether you do or do not have health insurance and if you select you don’t they mention that you will automatically be signed up for their insurance. Now its possible that you could blown past that step during registration, or maybe you didn’t even get asked. but with UofM, they do ask you. i’m unsure how your universitys process is for health insurance. but i would demand the university to prove that they had your consent for there health insurance.
February 28th, 2010 at 5:03 am
If it is a private school, they can have any conditions to which you agee. If you don’t agree, don’t go there. If it is state run, the legislature vests the trustees with rule making authority and they can do it under the general police powers to enhance the safety of the campus. As to hippa, all they revealed was your identity, and that is public anyway. If you prefer a school that has no such rules, go to that school.
February 28th, 2010 at 5:03 am
Perhaps the major reasons your university wants you to have coverage is to reduce their risk and to help retain students who might otherwise drop out if they become burdened by out of pocket health expenses. If you are in college, you may want to check out health insurance programs that are written through your school. United Healthcare has a plan available at many US schools. These student injury and illness plans provide wide ranging coverage and are designed to be more affordable than an individual policy. To check if your school is participating, go to http://www.UHCSR.com and enter your school name at the prompt. Even if your school is not contracted with United Healthcare, you may become eligible be joining the ACSA (American College Student Association) for a minimal fee, and take advantage of the plan that covers college students across the US. If you don’t find your school listed, type in ACSA and view the benefits available to their members.