2019-20 Student Health Insurance Make Sure Your Health Is Covered
Point Park University understands the importance of maintaining good health while you attend college, and we make it a priority that our campus be a place that is as beneficial to student bodies as it is to student minds.
For care involving the treatment of minor illnesses and injuries, the University maintains the Student Health Center and the University Counseling Center on campus. However, we realize that more serious medical situations may require care beyond the capabilities of on-campus health services - costly care such as emergency department visits, surgery, hospital stays and therapy visits. Without insurance, a serious illness or injury can result in bills totaling thousands of dollars that could place serious financial roadblocks in the way of a college education.
To safeguard against this type of situation, the University partners with Highmark Blue Cross Blue Shield. This partnership offers a student health insurance plan that is not only affordable and easy to use, but includes benefits that far surpass those typically found in student insurance plans, including:
- Preventive care
- Coverage for injuries, including sports and exercise injuries
- Online tools to help you make informed care choices
- In-network and out-of-network coverage
We encourage you to consider the University's student health plan as a means of protecting yourself and your loved ones against unexpected medical expenses that could temporarily - or permanently - interrupt your college career.
For 2019-20, the following groups of students are required by University policy to have health insurance coverage that meets University requirements:
- Dance and theatre majors (all concentrations)
- International students
These mandatory students are automatically charged the full annual premium for the student health plan on their Point Park student account, with one-half of the annual premium charged to each of the fall and spring semesters (students entering the University in the spring semester are charged one-half of the premium on their spring semester bill only).
Mandatory students who do not wish to enroll in the student health plan because they already have insurance coverage that meets University requirements must successfully submit their online request to waive the student health plan every academic year and have it approved by the waiver deadline. Students who miss the deadline will be enrolled in the student health plan for the full academic year. No late waivers or early termination requests are accepted unless there is a qualifying life event. For more information, see below Request to Waive (Decline) the Student Health Plan.
Mandatory students who wish to enroll in the student health plan are encouraged to proactively enroll; do not wait for the University to enroll you automatically, as this will not take place until the waiver period has closed, which will be after September 15th. Since the student health plan is effective August 1st, proactive enrollment will allow the student to have access to plan benefits sooner. For more information, see below How to Enroll (Enrollment for Mandatory Students).
|Students registered with the University in the fall semester||
|Spring-Only||New students entering the University in the spring semester||Feb. 1
to Jul. 31
|Jan. 15||Jan. 31|
Late Enrollment Requests (enrollment after the deadline): Late enrollment requests will be accepted when related to a qualifying life event. Students are able to enroll in the plan within 30 days of the qualifying event. Proof of the qualifying life event will be required. Please direct late enrollment requests to email@example.com
Early Termination Requests (before July 31): The University student health plan is a term insurance policy. Once enrolled in the plan, students are required to remain enrolled in the plan until the end of the plan year (July 31), unless there is a qualifying life event. Students requesting termination because of a qualifying life event must do so in writing within 30 days of the qualifying life event. Proof of the qualifying life event will be required. Please direct early termination requests to firstname.lastname@example.org.
How long does enrollment take? Once Haylor, Freyer & Coon Inc. receives a complete enrollment application, it generally takes 2-3 business days to be enrolled in the plan; during peak enrollment times, it may take up to 5 business days. It may take an additional 24-48 hours from the time of enrollment for all benefits to be fully activated in Highmark's system. Students will receive an automatic email confirmation that their application was received, and Haylor, Freyer & Coon, Inc. will follow up with another email with additional information, including plan information and a copy of the ID card, once the application has been processed.
Which address should be used on the enrollment application? This is the address to which Highmark will send the insurance card and any other correspondence. If the student's permanent home address is used, and the student does not live at that address during the school year, their mail will need forwarded to their school address. On the other hand, if the student's school address is used, the student will need to remember to do a mail forwarding/change request either with the Office of Student Life if living on campus, or the US Postal Service if living off campus, at the end of the school year, or if there school address changes throughout the year.
Make note of the information provided during enrollment, especially if you plan to use Highmark's online or mobile websites, as their site registration process requires you to enter information exactly as entered on the enrollment form.
Continuing coverage from year to year. You must re-enroll in the student health plan every academic year in which you wish to participate. Coverage is not automatic from year to year.
How do I enroll?
- Students NOT required to have insurance may choose to voluntarily enroll in the student health plan. Voluntary enrollment is online through Haylor, Freyer & Coon, Inc. Payment in full by credit card is required at the time of online enrollment application submission. Students who voluntarily enroll must do so every academic year they wish to continue coverage; coverage does not automatically renew each year.
- Students who ARE required to have insurance (mandatory students) and wish to enroll in the student health plan are encouraged to proactively enroll; do not wait for the University to enroll you automatically, as this will not take place until the waiver period has closed, which will be after September 15th. Since the student health plan is effective August 1st, proactive enrollment will allow the student to have access to plan benefits sooner. With proactive enrollment, charges are still billed to the student's Point Park student account. To proactively enroll, visit Haylor's website and choose the appropriate waiver/enrollment link at the bottom of the page. You will be given the choice of enrolling or waiving once logged into the portal.
Students who are NOT required to have health insurance but choose to voluntarily enroll themselves and their dependents, if applicable, in the student health plan will be required to pay the annual premium in full by credit card at the time of online enrollment. Haylor accepts Mastercard, Visa, and Discover. For more information on voluntary enrollment, see above How to Enroll.
Students who ARE required to have health insurance (mandatory students) have the annual premium billed to the student's Point Park account (one-half of the cost to the fall semester tuition bill, and one-half of the cost to the spring tuition bill). Payment is made through Point Park's Office of Student Accounts.
View your student account statement and balance in PointWeb. You cannot submit the waiver through this link; see Request to Waive below.
How long does it take to receive my insurance card? Once a complete enrollment application is received and processed, it takes about 7-10 days to receive your ID card in the mail at the address used on the enrollment application.
Virtual ID cards can be viewed online once the student's enrollment is active. Students are also able to fax a copy of the card from Highmark's site, for example to a healthcare provider's office. You can also request a new card if you lose your card. Just login to your Highmark account online (register first if you've never used the site). For more information see also Important Links below.
Highmark website registration: Visit the Highmark Blue Cross Blue Shield website, either on your desktop computer, laptop or mobile device. In the upper right corner of the page, choose "Register."
During the registration process, note the following:
- Member ID: If you don't have your Highmark ID card yet, enter your Social Security Number.
- International students without a Social Security Number will need to have their Highmark ID card.
- The student's first & last names, date of birth, street address, city, and zip code need to be entered exactly as on the enrollment form.
- Email address and phone number do not need to match information on the enrollment form.
If you are unable to register, it is because you are either not yet enrolled, or the information you entered does not match the information you submitted at the time of enrollment.
If at least two business days have passed since you received your second confirmation email from Haylor, and you are still unable to register with Highmark's site, request assistance from Haylor at email@example.com or call Highmark's website technical assistance number at 1-877-298-3918 (this number cannot assist with benefit or claim questions).
Students who are NOT required to have health insurance do not submit a request to waive (decline) the student health plan, as they are not charged for the student health plan unless they voluntarily enroll in the student health plan online.
Students who ARE required to have health insurance per University policy (mandatory students) are automatically charged for the student health plan on their student account (one-half of the premium to each of the fall and spring semesters). They will be automatically enrolled in the student health plan at the end of the waiver period, unless they already have health insurance that meets University requirements AND their online request to waive the student health plan for the academic year is successfully submitted and approved by the deadline. No late waiver requests will be accepted beyond the stated deadlines.
How do I submit the waiver? See Process for Submitting the Waiver below.
How often do I submit the waiver? The request to waive must be submitted online and approved once each academic year the student is required to have health insurance.
Waiver processing time: Once a waiver is successfully submitted and approved by Haylor, it can take up to 10 business days for the credit to appear on the student's account during peak times.
View your student account online in PointWeb to see if the student health insurance charge has been dropped from your account, or you have received a credit. See Process for Requesting to Waive below for what to do if the charge hasn't been dropped after submitting the waiver.
- Insurance provided through the Saudi Cultural Mission (SACM), OR
- ISO Compass Gold or Compass Silver plans (not acceptable for international athletes), OR
- Another insurance plan that meets Requirements for All Students (below)
- If you are also an athlete, dance major, or theatre major you must also meet those requirements
Requirements for Athletes
- Insurance must cover injuries sustained in the practice or play of intercollegiate sports, AND
- Insurance must be able to pay primary to University-provided accident insurance, AND
- Insurance must meet Requirements for All Students (below)
Requirements for Dance and Theatre Majors (All Concentrations)
- Insurance must cover injuries sustained during rehearsals and performances, AND
- Insurance must be able to pay primary to University-provided accident insurance, AND
- Insurance must meet Requirements for All Students (below)
Requirements for All Students Required to Have Insurance
- Insurance company must pay claims directly to healthcare providers
- Insurance company must pay claims in US Dollars
- Insurance policy documents must be available in English
- Coverage must be currently active and is expected to remain in force through July 31
- If plan has a deductible (not the same as a copay), it must be no more than $5,000 per policy year
- Plan must include coverage for pre-existing conditions
- Plan must include coverage in the Pittsburgh area for all services the University requires to be covered (emergency-only coverage does not satisfy this requirement)
- Plan must include coverage for all of the following services:
- Hospital inpatient and outpatient, emergency room, and urgent care services
- Physician services (routine and specialist)
- Diagnostic services such as laboratory/pathology, x-ray, MRI, CT scan, etc.)
- Physical therapy
- Emergency transport (ambulance)
- Prescription medicines
- Check with your insurance company to make sure your plan benefits meet the appropriate University Requirements for Health Insurance Coverage (see above). Benefit information may also be available through your insurance company's website. A Summary of Benefits and Coverage document, or other similiar document, will usually provide the information needed.
- Access the appropriate portal at the bottom of the page on Haylor's website. Note: International athletes must use the Athlete Waive/Enroll Form.
- Login with your last name and student ID number. In order to be able to login, you must be registered for classes, and the health insurance charge must be on your student account. If you meet both criteria but are still unable to login, contact Haylor for assistance at firstname.lastname@example.org. First, make sure you are using the correct portal at the bottom of the web page on Haylor's website. Do not try to login to the website using the login button in the upper right corner of the page.
- Read all information, answer all questions, and submit the waiver form online.
- If you are having a problem submitting the waiver form, make sure you are answering every question, even if it does not apply. For example, if you do not have Medicaid, choose NA. Also, if your insurance company is not in the list of insurance companies, choose "Not on the list." Choices such as these may be at the beginning or end of the list, or may be alphabetical.
- You must provide a digital copy of the front and back of your insurance card as part of the waiver process. Providing a copy of only one or the other could cause a denial of your waiver.
- You will receive an automatic email confirmation of your submission. If you do not receive an email confirmation (and you've checked your spam/junk box), it is possible something happened during the waiver submission, and you should resubmit the waiver.
- Your waiver information and insurance coverage is subject to verification; you will receive an email from Haylor if there is a problem with the verification. It is your responsibility to check your email, including your spam/junk box on a regular basis.
- If your waiver is approved, Point Park will be notified, and your student account will be credited. It is your responsibility to check your University bill to make sure you've received the credit.
- If you received a confirmation email from Haylor and 10 business days have passed, and you still have not received the credit for the insurance charge (or the charge has not been dropped from your student account), check your email (including your junk or spam folder) for correspondence from Haylor indicating a problem. Follow up with Haylor if necessary by forwarding the confirmation email to student@Haylor.com and requesting a status update. If you did not receive a confirmation email, it is likely something happened during the waiver submission process, and you should resubmit the waiver.
- Once your waiver is approved, and your bill has been credited, you are done for the academic year. You will need to complete a request any future years that you are required to have health insurance and do not want to enroll in the student health plan.
- If your request to waive is denied, you may appeal the decision before the waiver deadline by forwarding the denial email along with documentation that supports your appeal to student@Haylor.com. If you are not able to resolve the issues causing the denial so that it can be approved by the waiver deadline, the charge will remain on your student account, and you will be enrolled in the student health plan for the academic year.
In order to provide optimal care to student athletes and performing artists (dance and theatre majors--all concentrations), the University has purchased an athletic and performing arts accident insurance policy. This policy provides secondary insurance coverage for accidents incurred while participating in official University-sponsored athletic or performing arts events. Coverage will not be provided for pre-existing conditions or non-athletic/performing arts-related injuries.
There is no additional cost for this coverage, and there are no enrollment forms to complete; however, in order to be eligible for this secondary accident insurance coverage, the student must meet the following criteria:
- The student must be enrolled in the University's student health plan, or
- The student's request to waive the student health plan must be approved for the current academic year.
Students who do not meet the above criteria are not eligible for the secondary accident insurance coverage.
Information on the accident insurance coverage is available in the Athletic Training Office located on the first floor of the Student Center. Questions regarding eligibility for this coverage should be directed to the Office of Student Affairs.
2019-20 Student Health Plan Summary of Benefits (pdf) (available soon)
2019-20 Student Health Plan Booklet (pdf) (available soon)
Highmark Virtual ID Cards (pdf) (from any computer)
Highmark Virtual ID Cards (pdf) (from mobile website)
Highmark Blue Cross Blue Shield Doctor Match
A quiz to assist in matching you with a PCP or OB-GYN