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: Recreation & Wellness : MGA Health Services : Student Insurance

Student Health Insurance Program

The University System of Georgia requires that some students have health insurance coverage. The Student Health Insurance Program (SHIP) was developed to provide quality health insurance to students in mandatory categories at the lowest possible costs.

If you are required to have mandatory insurance coverage, you will be notified via your student email once you are registered for classes. Approximately 2 business days after you are registered, your information will be in the United Healthcare Student Resources database. You can take action through the United Healthcare Student Resources website during the enrollment period to request a waiver or accept the UHC coverage plan. You must do this in order to remain enrolled in a program that requires mandatory insurance coverage.

What does this mean?

This means that some – but not all – students are required to have health insurance coverage that meets minimum standards.

Which Middle Georgia State University students are required to have health insurance?

This mandatory requirement applies only to the following students:

  • All international students who are holding “F” or “J” visas.
  • Students enrolled in one of the following programs that already require proof of health insurance:
    • All students admitted to any MGA Nursing program (associate's, bachelor's, or master's)
    • All students admitted to the MGA Respiratory Therapy program with the exception of students enrolled in RESP 3000 or 4000 level classes.
    • All students admitted to the MGA Occupational Therapy Assistant program with the exception of students enrolled in OCTA 1410.
    • All students enrolled in HS 4450 and/or HS 4451.

Students who are NOT in one of these categories are not required to have health insurance. Students who are in one of these categories will be notified via your student email that your information has been uploaded to the United Healthcare Student Resources database. At that point you will need to take action by creating or logging into your account through the United Health Care Website. You will need to either verify that you have adequate insurance coverage by submitting the SHIP waiver form, or you will need to purchase the SHIP plan by completing the Enrollment Form.

If you are not an international student, if you have not been officially admitted to the Nursing, Respiratory Therapy, or Occupational Therapy programs, or if you are not enrolled in the course listed above, you are not eligible for a mandatory policy. Please see Voluntary Enrollment at the United Health Care Website.

If I am not in one of these categories, do I need to do anything?

No, if you are not in one of these mandatory categories, you do have a health insurance requirement and no action is necessary.

If I am in one of these categories, but I HAVE health insurance, do I need to do anything?

YES, if you are in one of these categories but you have some form of health insurance, you still must take action each semester (see semester question below). You must logon to the UHC Website, find your school's plan (search for Middle Georgia State University), and either create an account if you have not previously had one, or login to your account. You must then follow the instructions and complete a SHIP waiver form so your insurance coverage can be verified as being adequate to meet the requirements. Acceptable coverage may include a policy held by your parent or spouse, or a company or organization on an approved waiver list. Individual or association policies will NOT be acceptable forms of insurance coverage. Even if you believe your coverage is adequate, it must be verified. When your adequate coverage is verified, you will be notified via your student email that your waiver was approved and that your coverage satisfies the insurance requirement. Your receipt of this approved verification of coverage is crucial. Once a waiver has been approved, the SHIP fee is either removed from your account or if the SHIP fee was already paid before the waiver was approved, the fee will be reimbursed to you via the Bursar's office.

Additionally, you may be selected at random to provide documentation of coverage to the College's SHIP representative. Failure to provide this documentation will result in denial of your waiver and the SHIP charges added to your student account. Additionally, if it is determined, at any point in the semester, that your insurance coverage does not meet the requirements, the SHIP charge will be added to your student account.

In addition to have the SHIP charges added to their accounts, students who falsify documents may also face Student Conduct charges.

For most nursing and health science students, your plan must include accident and sickness coverage of at least $500,000 per policy year and a deductible not to exceed $3,000 per accident or illness.

For international students, your plan must include repatriation of remains in the amount of at least $7,500, medical evacuation to one's home country in the amount of at least $10,000, accident and sickness coverage of at least $250,000 per policy year, and a deductible not to exceed $500 per accident or illness.

Please note that no action (enrollment or waiver request) can be made until the enrollment and waiver period opens and you receive an email notifying you that your information has been entered into the UHC database.

If I am in one of these categories, but I DO NOT HAVE health insurance or my insurance coverage is not adequate, what must I do?

If you are not covered by insurance, or your coverage does not qualify for a SHIP waiver, you will need to create an account or login your account and complete the Enrollment form on the UHC Website and purchase/accept the SHIP coverage if you wish to remain a student in the College and program. Once you complete the Enrollment form, the SHIP fee will be applied automatically to your student account. Students who pay for the SHIP fee must still go into the UHC system and formally accept the plan.

What is the cost of the Health Insurance?

The University System of Georgia developed the student health insurance program in order to provide quality health insurance to students in the mandated categories at the lowest possible cost.
2016-2017 SHIP Rate Information - Domestic
2016-2017 SHIP Rate Information – International

How do I pay the premium?

The cost of the SHIP premium will be added automatically to your Tuition and Fees bill. If you have adequate coverage, it is your responsibility to initiate the waiver process described above by the deadline to avoid paying the premium.

Do I need to secure coverage or a waiver each semester?

YES. You will need to successfully secure a waiver or secure coverage from United Healthcare each semester of your enrollment at any University System of Georgia institution. It is also important to note that some programs will also require you to provide proof of insurance in order to work in clinical settings.

What is the deadline to secure coverage or request a waiver?

You must have secured your waiver or have paid for your coverage from United Healthcare Student Resources by the deadlines posted below in order to remain enrolled in your classes. Students who do not secure the waiver or the coverage will be removed from their courses for non-payment. Any student removed from enrollment in the Nursing or Respiratory Therapy program will need to reapply for admission.

SEMESTER Classes Start SHIP Opens SHIP Closes
Summer 2016 June 1 April 1 June 2
Fall 2016 July 1 July 1 August 18
Spring 2017 January 9 November 1 Juanuary 12

No waivers will be processed after this period.

Who can answer other questions I may have?

Middle Georgia State University staff and faculty cannot answer more specific question about a student's insurance plan. The College is only responsible for inputting information into the UHC student database and managing the waiver process. Students should email all questions or concerns to SHIPQuestions@mga.edu.

For specific questions related to your plan/coverage, you must contact UHCSR Customer Service at 1-866-403-8267. For more information about the UHCSR coverage, see the Insurance plan for Middle Georgia State University.




  LAST MODIFIED: 7/11/2016