Student Health Insurance
ATSU Student Health Insurance Requirements
ATSU requires that all students enrolled in a RESIDENTIAL program maintain comprehensive health insurance coverage. Proof of adequate coverage as defined by ATSU must be presented to the Registrar's Office and must be maintained throughout the duration of enrollment. Failure to maintain continuous health insurance coverage may result in disciplinary action including possible suspension and/or dismissal.
Program-Specific Coverage REQUIREMENTS (2):
- Needle-stick coverage:
- Hospitals where you will complete your rotations will not cover the costs if you are stuck by a needle, so your personal health insurance will need to cover it.
- Programs that require needle-stick coverage are Physician’s Assistant Studies, Audiology, and the Certificate in Orthodontics.
- The Doctor of Osteopathic Medicine, Doctor of Dental Medicine, and Master of Biomedical Sciences programs provide needle-stick coverage for their students.
- If your program of study requires you to travel out of state at any time, you are required to have an insurance policy that will transfer from state to state. This requirement applies to all residential programs.
Students are given flexibility to select a plan that best meets their needs. The following are recommendations only and are provided to help you see the importance of constructing a plan that would not only make sure your health needs are covered, but also lessen the financial hardship you might experience if an accident were to occur:
- Deductible maximum: $2,500 per year
- Coinsurance: 60% in network, 40% out of network
Applying for health insurance, waiting to see if you are approved, and waiting for coverage to begin often takes 2 weeks or longer to complete. Do not wait until the last minute to purchase health insurance coverage. Proof of health insurance must be submitted, reviewed, and documented by the Registrar’s Office prior to the start of your first term to avoid any disciplinary action.
How do I submit my proof of insurance coverage?
An email from the Registrar’s Office will be sent to your ATSU email account when the CampusVue Student Portal is available for uploading your health insurance information. At that time, please follow the Submitting Proof of Health Insurance Coverage instructions. Do not send a copy of your health insurance card to the Registrar’s Office. Please check your ATSU email account regularly for the health insurance notification and other communication from ATSU.
You will need Adobe Reader to view the instructional document. If you do not have Adobe Reader, you can download a version by visiting http://get.adobe.com/reader/.
How do I update the University if I have changed policies?
It is important that you notify the University if you change your health insurance policy within 24 hours of a change. The new information will need to be added to your student record. If you change health insurance policies, please complete the Proof of Health Insurance Form, save it, and email it to the Registrar’s Office at firstname.lastname@example.org.
Why is insurance coverage required?
Students often ask why they are required to carry health insurance. There are many reasons including, but not limited to the following:
- You may face financial hardship due to unexpected medical expenses.
- You may be at high risk for illness or disease because of exposure to patients in clinical settings.
- Hospitals require students to have and maintain health insurance.
- A health insurance policy is a good form of preventive medicine.
How do I know if my policy includes needle-stick coverage?
Ask your provider if you were stuck with a needle, would your policy cover all testing and/or treatment needed as a result of that stick. If the current policy does not offer this type of coverage, ask if there is an add-on that you can purchase to cover you in the event of a needle-stick.
Do I have to maintain continuous insurance coverage?
Yes, coverage must be maintained throughout the duration of enrollment. Failure to maintain continuous health insurance coverage may result in disciplinary action including possible suspension and/or dismissal.
What do I do when I start rotations?
Be sure an updated copy of your current coverage is on file. All regions require a copy of your health insurance information before you can start rotations.
Should I buy an insurance policy for a specific state?
You do not have to purchase health insurance for a specific state. You do need to purchase a plan that will transfer from state to state. This way you are protected when you travel to meet program requirements.
If you have additional questions, please contact the Registrar’s Office:
P: 660.626.2356 or Toll free: 866.626.2878 ext. 2356