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Hubbard – Bert, Inc
Student Health Plan Preview
Health Insurance for Students
•Even Healthy Students may need healthcare services while at
College.
•Student Health Centers provide many primary care services at
no charge, but they are not equipped to provide imaging, or
diagnostic laboratory services.
•Students needing x-ray, an ER visit, blood work, or a weekend
visit to an urgent care center, will not have access to these
services without insurance or incurring a significant bill.
•A single hospitalization can cost thousands of dollars.
Health Insurance for Students
•Having Insurance means having access to the medical care
needed in a way that minimized disruption to your child’s
studies, life and finances.
•While Mercyhurst University currently requires insurance for
Athletes and International Students, it strongly encourages ALL
students to carry adequate health insurance.
•Mercyhurst students not currently required to show proof of
insurance, are still welcome to purchase the Highmark
Community Blue PPO.
Rules for Enrollment
Mercyhurst University requires all student Athletes and all
International Undergraduates to have certain minimum health
care requirements in order to attend classes.
If students are currently covered by either their parents’ plan or
a spouse’s employer-sponsored group plan, they may waive
Mercyhurst’s sponsored plan if it meets the requirements set
forth by the University. Individual Policies & Travel Polices are
not accepted.
Rules for Enrollment (con’t)
Mercyhurst University strongly recommends all students obtain
and maintain health insurance while they are earning their
degree. The Highmark Community Blue PPO is available for all
students, undergraduate and graduate alike, regardless of the
number of course credits they are enrolled in.
Students who are not Athletes or International Students, do not
need to complete the online waiver.
Online Enrollment Procedures
• To enroll in one of the University’s Student Health Plans, go
to: www.hubbardbert.net
• Click on “Student Login” to access the Student Insurance Page,
the link to enroll is at the top of the page
• You will need your student ID (7 digits beginning with “0”) and
your date of birth
• Click “Continue” to proceed to the Enrollment or Waiver
process
Waiver Requirements for Athletes &
International Students
• Offers at least 80% coverage for in-patient and
outpatient medical services
• Includes mental health benefits
• Has a deductible not to exceed $500
• Does not contain any language limiting coverage on preexisting conditions
• Must cover injuries that occur during participation in
intercollegiate athletics
• Has limits of at least $90,000 that includes coverage for
sports-related injuries
If coverage student currently has meets or exceeds
these requirements, a waiver form must be
completed to opt out of the Mercyhurst University
Student Health Plan
This waiver is completed online at
www.hubbardbert.net
Plans Offered to Mercyhurst Students
Highmark Community Blue PPO
• Available to all Mercyhurst Students and their
dependents
United Healthcare PPO
• Available to all Non-US Citizens and their dependents
only (this plan is not an option for Athletes)
Highmark Community Blue Plan Benefits
Summary
• Deductible - $500 individual, $1,000 family,
combined in and out of network
• Play pays – 80% after deductible
• Out-of-pocket maximum - $3,000/$6,000
Highmark Community Blue Plan Benefits
Summary
• Retail clinic visit – 100% after $40 copayment
• Primary Care Provider office visit – 100% after
$25 copayment
• Specialist office visit – 100% after $50 copayment
• Urgent Care Center visit – 100% after $40
copayment
Highmark Community Blue Plan Benefits
Summary
Routine adult:
– Physical exams – 100% (deductible does not apply)
– Adult immunizations – 100% (deductible does not apply)
– Routine gynecological exams – 100% (deductible does not
apply)
– Mammograms, annual routine and medically necessary –
100% (deductible does not apply)
– Diagnostic services and procedures – 100% (deductible
does not apply)
Highmark Community Blue Plan Benefits
Summary
•
•
•
•
Hospital inpatient – 80% after deductible
Hospital outpatient – 80% after deductible
Maternity – 80% after deductible
Medical/Surgical (except office visits – 80% after
deductible
• Emergency Room Services – 80% after $100
copayment, waived if admitted
• Ambulance – 80% after deductible
Highmark Community Blue Plan Benefits
Summary
Prescription Drug Program (mandatory generic)
– Retail drugs – 31-day supply - $10 generic, $25
formulary brand, $40 non-formulary brand
– Maintenance drugs – 90-day supply - $20 generic,
$50 formulary brand, $80 non-formulary brand
United Healthcare Plan Benefits Summary
(this plan is only available for Non-Athlete, Non-US Citizens and
their dependants)
• Deductible - $100 in-network, $300 out-of-network per
insured person
• Play pays – 80% after deductible in-network, 70% after
deductible out-of network
• Out-of-pocket maximum –
– $6,300 single/$12,700 family in-network;
– $8,000 single/$16,000 family out-of-network
United Healthcare Plan Benefits Summary
Preventative care services include:
• Annual Physicals & routine OB/GYN exams
• Immunizations
Are covered at 100% with no copay or
deductible when performed by a Preferred
Provider.
United Healthcare Plan Benefits Summary
Prescription Drug Program (mandatory generic)
– Retail drugs – 31-day supply - $15 generic, 20%
formulary brand, 30% non-formulary brand
United Healthcare Plan
Enrollment Requirements:
– Must enroll for either 12 or 6 months at a time
– 6 month option requires a student to re-enroll for
Spring Semester
– No refunds given if a student withdraws from classes
– No plastic ID cards; students must register on
www.PGHStudent.com to print a copy of their ID card.
International Benefits
Both Highmark & United Healthcare Plans offer
benefits specific to International students:
• Medical Repatriation
• Medical Evacuation
• Return of Mortal Remains
• Transportation of Travel Companion, to Join Patient
and Return of Minor Children
Online Enrollment Procedures
• To enroll in one of the University’s Student Health Plans, go
to: www.hubbardbert.net
• Click on “Student Login” to access the Student Insurance Page,
the link to enroll is at the top of the page
• You will need your student ID (7 digits beginning with “0”) and
your date of birth
• Click “Continue” to proceed to the Enrollment or Waiver
process
Contact Information
If you are having a problem logging in, you may call
(814) 454-0167
OR
Enter your student name, date of birth, and contact
email/phone number on the website and you will
be contacted by the end of the next business day.