Department of Middle Eastern Studies
Department of Middle Eastern Studies

Student Insurance

University Health Services (UHS):  Located in the Student Services Building (SSB), UHS is almost always the most affordable healthcare option for both uninsured students as well as those with insurance accepted by UHS. Office visit charges are lower than most co-pays (including co-pays by UT Select, which is the insurance that benefits-eligible TAs/AIs have), and uninsured students receive self-pay discounts. UHS is fully accredited by Accreditation Association for Ambulatory Health Care and it consistently receives "As" on patient satisfaction surveys. Their 24-hour Nurse Advice Line (512-475-6877) helps students decide whether and how soon they need healthcare and/or provides self-care advice, if approrpriate, often preventing unnecessary visits to the doctor, as well as any associated costs that would come with such an off-campus visit. 

Please also be aware that these additional health services exist on campus:

Student Health Insurance Plan (SHIP)

Students who are not benefits-eligible academic employees (TA/AI @ 20 hrs/wk) are welcome to purchase the Student Health Insurance Plan (SHIP), which will cost $2,185 for the 12-month 2016-17 academic year. The Academic Health Plans (AHP) organization contracts with Blue Cross Blue Shield of Texas to provide medical coverage. Starting in late summer 2016, please visit the AHP website to enroll online and pay the premium. Please view this PDF flyer for summarized information.

Enrollment Periods for Voluntary Domestic Students and/or Dependents each semester:

Students must enroll during open enrollment or they will have to wait until the next open enrollment period (unless they have a qualified change of status). There will be open enrollment dates for each semester and coverage will become effective the day after enrollment:

  • Fall - Enrollment opens 06/01/2016. Must enroll no later than 10/01/2016
  • Spring/Summer – Enrollment opens 11/01/2016. Must enroll no later than 02/28/2017
  • Summer only – Enrollment opens 04/01/2017. Must enroll no later than 06/15/2017

Students and/or dependents enrolling during the Open Enrollment Period, prior to the effective date of the plan, will be effective on the 1st day of the selected coverage period. Enrollment after the effective date of the selected coverage period, during the Open Enrollment Period, will be effective the day after the company receives the premium. This is for students who enroll prior to the semester start date.  For example: a student attended orientation and decide to purchase SHIP on 7/20 and the semester starts 8/15. The student's coverage would begin on 8/15. If they wait to enroll AFTER the coverage date begins (say the enroll on 9/15) their coverage begins on 9/16 at 12:01am (the day after AHP receives the premium).

When Voluntary Students and/or dependents are re-enrolling, and enrollment takes place prior to the 30-day grace period, the effective date would be backdated to the beginning of the coverage period, even if they enrolled after the effective date. For example:  a student was enrolled in 2015-16 until 8/14/16. They enroll by 9/14/16 for the next year, AHP will backdate the policy to 8/15 so there is no gap in coverage. Their coverage date will be 8/15/16. If they wait until 9/29 to enroll, (past the 30 days) coverage will begin on 9/30/16.

International students:

International students without benefits-eligible academic employment (typically those who are not a TA/AI/GRA) are automatically enrolled in the SHIP by the International Office. These charges appear on the tuition bill twice each year: in August for the fall semester and January for the spring/summer semesters. Summer insurance is charged to the spring tuition bill. For 2015-16, please visit this page in late summer 2016 to review costs and coverage periods. However, this PDF shows the costs associate with the 2016-17 year. The tuition bill will not reflect an additional line item for the 5% administrative fee that's charged by the International Office; this fee is rolled into the total cost reflected on the tuition bill.

Changes Over Recent Years

Plan Design Modifications for the 2015-16 Policy Year

  • An individual out-of-pocket maximum has changed from $6,250 (in network) / $12,500 (out of network) to $6,600 (in network) / $13,200 (out of network).
  • The office visit benefit has been changed from 80/60 to:  $20 co-pay (in network) then 100% and the deductible is waived; out of network will be paid at 60% and subject to the deductible.
  • The ER co-pay has been changed from $100 then payable at 80% in and out of network to $150 then payable at 80% in and out of network. The deductible is waived if admitted to the hospital.
  • The prescription drug benefit has been changed from $15/$30/$50 co-pays to $15/$30/$50/20% co-insurance for specialty medications.

Required ACA Changes and Modifications for the 2014-2015 Policy Year:

  • The Maximum benefit has been increased from $500,000 to “unlimited” per policy year
  • The pre-existing condition limitation has been removed from the policy
  • Pediatric dental and vision benefits have been added to the plan
  • The Individual deductible has been changed from $300 to: $500 (in network) / $1,000 (out of network)
  • A family deductible has been added for $1,500 (in network) / $3,000 (out of network)
  • An individual out of pocket maximum has been added for $6,250 (in network) / $12,500 (out of network)
  • A family out of pocket maximum has been added for $12,700 (in network) / $37,500 (out of network)
  • The office visit benefit has been changed from 80/60 to: $20 co-pay (in network) then 100% and the deductible is waived, out of network will be paid at 60% and subject to the deductible
  • The specialist visit benefit has been changed from 80/60 to: $40 co-pay (in network) then 100% and the deductible is waived, out of network will be paid at 60% and subject to the deductible
  • The ER co-pay has been changed from $75 to: $100 then payable at 80% in and out of network, (The deductible is waived if admitted to the hospital)
  • The Prescription Drug benefit has been changed from $10 / $15 co-pays to: $15 / $30 / $50 co-pays
  • The waiver requirement for International Students will be modified per the UT System new health insurance requirements for International Students
  • Texas required benchmark changes / essential benefit changes have been added to the plan including organ transplants.

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  • Middle Eastern Studies

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    204 W 21st Street Stop F9400
    Calhoun Hall (CAL) 528
    Austin, TX 78712
    +1-512-471-3881