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SLU Student Health Insurance

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.

Student Health Insurance Benefit Overview

SLU provides coverage under its sponsored student health plan — University Health Plan (UHP) — with support from Aetna Student Health. 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/slu and will not be accepted after the last day of the Open Enrollment Period.

Waiver requests must 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 be active and maintained for the academic year.
  • 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 Sept. 30
Spring: Dec. 1 through Feb. 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.

This guide provides instructions for submitting your Spring 2023 Waiver or Enrollment.

Waive or Enroll Through Aetna Online

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. Call the UHP Office at 314-977-5666 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 SSM 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 SSM 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 three 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 Sept. 30 for the Fall term or Feb. 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 the Open Enrollment Period, and waiver requests will not be accepted after the respective Open Enrollment Period deadline. If one experiences a Qualifying Life Event (QLE) such as marriage, birth or adoption, call the UHP Office at (314) 977-5666 for enrollment support. QLE enrollment changes must be formally requested within 31 days of the qualifying event date.