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University Health Plan

Saint Louis University requires full-time, on campus students to maintain health insurance coverage throughout the academic year.  Health insurance coverage and access to medical care promotes student health and well-being that are essential to academic and personal success. As well, coverage provides protection against unexpected injury and illness and the resultant medical care costs.  Access to preventive, primary and tertiary medical care ensures the health and safety of individual students and the campus community.

SLU provides coverage under its sponsored student health plan - University Health Plan (UHP) through Aetna.  All full-time, on campus students will be assessed a fee for coverage and automatically enrolled in the UHP. Students may waive the UHP coverage and its related charges by submitting a waiver request with proof of other coverage. All waiver requests must be submitted through https://www.aetnastudenthealth.com and will not be accepted after the last day of the Open Enrollment Period.

While Saint Louis University has had this waiver option for many years, beginning with the 20-21 academic year, waiver requests will now need to meet the following criteria (please note that international students have additional criteria related to visa requirements):

Domestic Students

  • Plan must be active and maintained for the academic year.
  • Plan must have unlimited annual and lifetime benefits (i.e. no policy maximum) as per ACA guidelines.
  • Plan must cover inpatient and outpatient medical care within the St. Louis area.
  • Plan must cover inpatient and outpatient mental health and alcohol abuse care within the St. Louis area.
  • Plan must provide coverage for prescription drugs within the St. Louis area.

International Students

International students have additional criteria related to visa requirements:

  • Plan must be active and maintained for the academic year.
  • Plan must have an individual deductible that is $500 or less per policy year.
  • Plan must have at least $25,000 coverage for Repatriation (repatriation provides transportation to your home country in the event of death).
  • Plan must have Emergency Medical Evacuation coverage in the amount of at least $50,000 (medical evacuation is emergency transportation to the nearest, most qualified treatment facility).
  • Plan must include inpatient and outpatient medical care within the St. Louis area.
  • Plan must include inpatient and outpatient mental health and alcohol abuse care within the St. Louis area.
  • Plan must include coverage for prescription drugs within the St. Louis area.

Open Enrollment Periods (subject to change)

Fall: July 1 through September 30
Spring: December 1 through February 14
Summer: May 1 through June 30
 

 If you have questions about your coverage and whether it meets these criteria, you may contact Aetna Customer Service at 877-381-3544.

Waive or Enroll Through Aetna Online

International students, reference this short presentation that includes instructions and screenshots of Aetna's site with information specifically tailored to your needs and concerns.

Enrolling in UHP

  • You can find more detailed information about the University Health Plan, policy information, medical and prescription drug benefit summaries, provider directories, and policies on the University Health Plan pages or at Aetna Student Health. You can also call Aetna Customer Service at 1-877-381-3544 with specific questions.
  • Though it is not required, you may remain on the plan through the summer if you are full-time in the spring and will be again in the fall.  UHP is designed to offer continuous coverage with no breaks, with the flexibility of enrolling by semester for those that need it.  
  • Off-campus students and part-time students  are strongly encouraged to have health insurance coverage, but it is not required. Visit Aetna Student Health for a list of eligible exceptions or call 314-977-7168 to find out if you are eligible to voluntarily enroll in the University Health Plan.
  • Students who have been awarded graduate assistantships that include support for UHP enrollment will also enroll online through Aetna Student Health. See frequently asked questions relating to the enrollment or waiver process for graduate assistants.

Waiving UHP

  • The University Health Plan through Aetna is designed to meet the needs of our students while they are here on campus or at home.  If you are waiving the coverage, you'll want to make sure your plan covers your student while they are here.  The Student Health Center uses SLUCare physicians, which is the local network of physicians affiliated with Saint Louis University. You can check to see if your plan is in the SLUCare network for convenient access to health care while you are on campus.
  • You must have your insurance information available when you submit requests, as you will be asked detailed information about your existing coverage, and can even upload a picture of your insurance card.
  • You must be registered in classes as a full-time student for Aetna's system to recognize you. Allow two business days from registering full-time to attempt to waive or enroll.
  • Make sure to use your full nine digit Banner ID (including zeros) when using Aetna's site.
  • If you waive in the fall term, you will not need to waive again for the spring. You only need to waive once per academic year.  However, you do have to waive every academic year. 
  • The deadline to waive or enroll in the UHP is September 30 for the fall term or February 14 for the spring term. Any full-time students who have not waived by the deadline will be automatically enrolled in the UHP.
  • No changes can be made outside of open enrollment, and waiver requests will not be accepted after the deadline.