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Insurance

HEALTH INSURANCE IS MANDATORY FOR ALL STUDENTS
Students who do not waive the student health insurance EVERY YEAR and provide proof of private health care insurance will be automatically enrolled in the school's student health insurance plan.

 

Engle health insurance image Three Options Are Available

  1. Private Insurance

    Be sure to ask your insurer:
    • Will your plan cover medical care and tests done "out-of-network" in Central PA?
    • Will you need to travel to your hometown for any medical care?
    • If you need to see a health care professional on or near campus, is a referral required from your primary care provider at home?
  2. Student Insurance Plan

    Students who do not provide proof of private health care insurance or forget to waive the school insurance will be automatically enrolled in and charged for the school's student health insurance plan through United Healthcare.
    Please be aware:
    • The student health insurance plan sponsored by Messiah University is a PPO plan underwritten by UnitedHealthcare Student Resources.  It is an ACA compliant plan that offers accident and sickness coverage worldwide for a full year, 8/1/2021 – 7/31/2022.
    • There have been some incidences with high-deductible plans, out-of-state Medicaid plans, and HMOs that have hindered students trying to access healthcare from local community resources.  We strongly recommend that you check with your insurance provider to assure continued health insurance coverage while at Messiah University, specifically for diagnostic testing (lab work and x-rays) and referrals to specialists.   Some HMOs offer guest membership plans which provide healthcare benefits to continue at the same level when away from home.  Please contact your HMO insurance provider to find out if this option is available.
    • Please CLICK HERE for a description of services covered.
    • Please CLICK HERE for FAQ on Enrolling/Waiving Coverage.
    • Please CLICK HERE for General Questions.
  3. Pennsylvania Medical Assistance

  4. Students with preexisting medical conditions who are not eligible for health insurance coverage through a parent or guardian should consider applying for the Pennsylvania Medical Assistance program CLICK HERE to apply.

 

What students need to know:

 

  • Students should carry their insurance card with them
  • Students need to know how to identify health systems, care providers and laboratory services that participate with their insurance plan.
  • This information can be found by calling the 1-800 "member services" number on the back of the insurance card.
  • The university health service submits laboratory specimens to Pinnacle Health Labs. We can submit labs to  Quest Laboratories if requested by student.
  • Other tests and imaging studies can be ordered through the PinnacleHealth health systems.
  • All students must have a basic understanding of how their insurance works, i.e.:
    • What services are covered when traveling "out-of-network?"
    • Are referrals from a home-town primary care provider needed prior to basic lab tests or x-rays ordered by the college health service?
  • The university health service cannot bill insurance, but we will provide an itemized receipt that students may submit to their insurance company to request reimbursement.