St. Thomas University is pleased to offer our students and their families an affordable student health benefit plan, issued and administered by Student Educational Benefit Trust. This plan becomes effective on August 1, 2018 and terminates on July 31, 2019.
Student Health Fee – This mandatory health fee provides outpatient medical and mental health services when treated at the Student Health Center and at the Jesse Trice North Miami Gardens clinic off campus.
Comprehensive Student Health Plan – This plan provides worldwide coverage for both inpatient and outpatient medical and mental health services, prescription medications and intended for students who have no (or inadequate) health care coverage.
STUDENT INSURANCE REQUIREMENT
All Full-Time Undergraduate, Graduate (except Organizational Leadership and Health Care Management), and Law students enrolled are automatically enrolled in the Comprehensive Primary Health Plan unless proof of comparable coverage is provided. Students with other health insurance may elect to waive out of this plan by completing the online waiver application.
- With an approved waiver, your account will only be charged the annual Student Health Fee of $180.
- Without an approved waiver, your account will be charged $1,392 to cover you under the Comprehensive Health Plan for the full academic year.
International students are automatically enrolled in the Comprehensive Student Health Plan which meets the J1 and F1 visa requirements as set forth by the U.S. Department of State.
Part-Time students may elect to purchase the Comprehensive Student Health Plan on a voluntary basis. The link to enroll can be found under Voluntary Coverage.
Insured students may add a dependent spouse or child(ren) to this plan by completely the Dependent online enrollment form found under Voluntary Coverage.
Students may request to waive out of the Student Insurance Plan if the following criteria are met (“policy” and “plan” below refer to the plan the student will use in lieu of the Student Insurance Plan):
- The claims administrator of the plan is based in the United States and has a U.S. telephone number and address for submission of claims and the insurance policy has not been issued outside the U.S.The policy is not a traveling policy.
- The plan provides both emergency and non-emergency health care and mental health benefits within your local campus area.
- The plan provides inpatient and outpatient mental health care and chemical dependency benefits are comparable to the coverage provided by the Student Insurance Plan.
- The plan provides coverage for prescription medication.
- The lifetime benefit is unlimited.
Out-of-state Medicaid and state Children’s Health Insurance Plans, HMOs, and Kaiser Permanente plans may not cover non-emergency care in this area. If this is the case, you will not qualify for a waiver. Please contact your medical insurance carrier to confirm that your insurance covers non-emergency care and that you have a deductible small enough to allow you to afford your portion of the bill.
International students holding an F1 or J1 visa may not waive out of the Student Insurance Plan. Please note that traveling insurance or medical insurance policies issued from your country of origin or outside the U.S. will not be acceptable as means to waive out of the Student Insurance Plan.
In addition to waiver approval by the automated system, please note that all waiver requests will be reviewed by a Student Health representative. If the waiver submitted does not meet the waiver criteria, you will be enrolled in the St. Thomas University Student Health Plan.
To waive out of the 2018-2019 St. Thomas University Student Health Plan, you will need to complete the online waiver form. You will receive an email that will state whether or not your waiver application has been approved, denied or pending additional information.
If your waiver was denied, you have the option to appeal within 15 days from the date you received notification of your waiver status.
Easy Access to a Printable ID card
ID cards will not be mailed to you. You can print your ID card online after the plan effective date
Whether a card is misplaced, damaged or simply not available, you can access and print your ID card(s) as often as you want from any location through this new online feature. This self-service feature can be used at any time and as many times as you need.
To print member ID cards:
■ Visit www.ncas.com
■ Click on Members
■ Enter your Member Number
■ Log-in with your NCAS User Name and Password
■ Click on the Custom tab
■ Select Health Ticket
■ You will be directed to the Health Ticket page, there you will need to log-in with
your Member Number (9 digits), Last Name and Zip code
■ Once logged-in, click Print ID card
Find a Medical Doctor, Hospital or Urgent Care
It’s easy to find a doctor or hospital close to home or work and to check if one is in your health plan network. Our large network of health care providers can provide you and your family with the quality health care you expect.
Search by location and select your plan. Your plan code or the first letters of your member ID will be "STU".
Group Name: Student Education Benefit Trust SEBT
For Claim Questions, call: 1 (844) 666-9577
For questions about this plan, please call Academic Insurance Solutions at: 1 (888) 776-9920 or send an email to email@example.com
Easy Internet Access To your Claims Information
- Access to claims available 24 hours a day/7 days a week
- Order replacement ID Cards
- Secure Website that is password protected and data encrypted
- Easy to use – all you need is a computer with internet access
Registering and Creating an Account:
- Sign on to: www.ncas.com and ensure that your browser is set to allow pop-ups
- Select the Members option on the left side of the screen
- Leave the Member Number field blank and click “Enter”
- Another window will open to the Login screen. Click “Register New User”
- Create a New User Account by providing the requested information (username, email address and type of User) then click “Next”
- Verify Your Identity. Use UPPERCASE letters when entering information.
- The participant ID is your Member ID listed on your ID card (not your Social Security number)
- Establish your Password, then click “Submit”
Viewing Your Personal Claims
- Click on Claims History to the left of the screen
- A default start date will appear under your Participant ID and Group. Enter the date for a specific claim you would like to review, or leave the default date in place and click the Submit button.
- A list of claims will be produced beginning with the date entered and any thereafter
- The “Show Accumulators” drop down located above the list of claims will allow you to view claims by category (Medical, Dental and Vision)
If you have any questions, call NCAS using the phone number on the ID card.
Short Term Plans Offer:
- Coverage for students who need insurance until they are on the Student Health Plan or have graduated and need coverage until they are employed.
- Access to a nationwide network
- Per term or per cause deductible for premium flexibility
- Supplemental Accident optional benefit
Part-time or domestic graduate students (international students are automatically enrolled) may elect to opt-in and purchase the St. Thomas University 2018-19 Student Health Plan on a voluntary basis. The cost of this plan will be billed to your student account.
Students who are covered under the STU Comprehensive Health Plan may purchase coverage for a spouse and dependent children. The coverage period must be the same as your coverage period, i.e. if you are enrolled for annual coverage you may elect either annual or fall only for your dependents.
If you would like to purchase dental coverage on a voluntary basis for you and/or your family, complete the form below to obtain plan information and cost.
To view all vision plan options, costs and to enroll, complete the form below.