Why am I required to have Insurance?
Everyone needs health insurance coverage, even students. Good health is essential to your academic success, and adequate insurance makes sure you get the care you need to maintain good health. Unexpected medical bills can also threaten your ability to complete your education if you are uninsured or have inadequate coverage. It is a requirement of the Montana University System that students taking 6 or more credits have medical coverage.
How do I enroll in the Student insurance?
If you are taking at least six state supported or self supported credits on campus, you are eligible for the Student Insurance Plan. You will need to complete the insurance buy/refuse section on Cyberbear by buying the Student Insurance Plan. If you buy the Student Insurance Plan, you will be charged for the student insurance and the Curry Health Fee regardless of the number of credits you enroll for. (Note: Curry Health Fee is a required fee at 7 or more credits). If you are taking 1-5 credits, you must petition for enrollment.
What if I don't need the Student Insurance because I have my own?
If you do NOT have Montana Medicaid/HELP but have other private medical insurance coverage, you can refuse the student insurance on CyberBear before you register for your classes.
If you are receiving state supported Medicaid you MUST apply for a state program. Please see STUDENT INSURANCE/MEDICAID section or contact the Student Insurance Representative at 406-243-2844 or firstname.lastname@example.org for more information.
What does the Student Insurance cover?
The insurance provides medical and prescription coverage. It covers 80% of medically necessary expenses after a deductible is met. This includes but is not limited to office visits, prescriptions, hospitalization, and counseling.
Will the Insurance I have now cover me while I'm in Montana attending school?
We don't know what YOUR insurance will cover. You need to check with your insurance carrier and verify what benefits are available if you are away from home. For example, some plans have very good benefits worldwide, while other plans only provide coverage if you are within a certain geographic area.
Will the Student Insurance cover me if I'm outside of Missoula?
Yes, whether you are studying abroad or home for the weekend, this plan provides coverage worldwide.
If I have the Student Insurance, do I have to use the Curry Health Center?
No, but there are advantages to using Curry Health Center. Conveniently located on campus, all charges from the Medical Clinic and Counseling Clinic, that are covered under the student insurance plan, are billed 100% to the student insurance plan and are not subject to a copay,deductible or coinsurance. Curry Health Center providers can provide referrals to outside providers if the services you need are outside of the scope or expertise of Curry Health Center providers.
What are the deductible and co-pay amounts?
The deductible is $500 per benefit year and the co-pay ratio is 80/20. To see a primary care provider outside of Curry Health Center is a $20 copay and for a specialist, it is a $40 copay.
Are prescriptions covered?
Yes. There is a three tier copay system for prescriptions. $15 for generic, $30 for formulary and $50 for nonformulary.
Does the plan cover dental or vision?
The insurance does not cover vision or dental. However, Curry Health Center has a dental clinic that provides services at significantly reduced rates compared to private dental services.
Why do I have to Buy the Insurance if I have Medicaid?
The Montana Medicaid program and the Montana University System are working in partnership to provide student Medicaid clients with excellent medical coverage at reasonable cost to taxpayers. If you are receiving Montana Medicaid/HELP, you are required to apply for a program through the state that may pay for the student insurance for you for the semester. The program is called the Health Insurance Premium Payment (HIPP) program. When you select "Buy" during registration process, the insurance premium is put on your tuition bill, which is part of the application. Contact the student insurance representative for more information.