University of Detroit Mercy – RCMD Student Benefits

Welcome to the University of Detroit Mercy Student Health Insurance Information Page.

This page provides all of the tools you need to manage your student health insurance plan for academic year 2024-25. From here, you can enroll in the Detroit Mercy plan, set up a personal My Account to check your claim status, file medical claims, review the details of your plan and more. You may also choose to waive coverage if you have proof of other health insurance.

Health Insurance

Dental Insurance

Vision Insurance

Sports Insurance

Health Insurance

Health Insurance Requirements

Residence Life will be automatically enrolled in the Student Health Insurance Plan unless you submit a Waiver Form online at www.RCMDstudentbenefits.com by September 30, 2024 that confirms you have other comparative insurance and have agreed to maintain that coverage while a student at the University of Detroit Mercy.
Eligibility
Cost
Enroll in the Student Health Insurance Plan

Students must actively attend classes for at least the first 31 days after the first day of the semester for which coverage was purchased. If a student leaves the University prior to this time, coverage will be canceled. Home study, correspondence and online courses do not fulfill the eligibility requirements that the student actively attend classes.

Click on the “enroll” button at right to get started. If you have any questions or need assistance, please contact [email protected].

International students are automatically enrolled in the student health insurance plan and do not need to take action. If an international student has insurance through a U.S. employer or the Saudi Arabian Cultural Mission, they should contact [email protected] for further information and instructions.
Waive out of the Student Health Insurance Plan

Domestic students at Detroit Mercy are required to complete the online waiver process each academic year if they do not wish to be enrolled in the Haverford student health insurance plan.

Any domestic student who does not complete the online waiver by 9/30/24, will automatically be enrolled in the student health insurance plan. Your account will be automatically charged $2,761 for the cost of the insurance. Once you are enrolled, the plan cannot be canceled, and no refunds are available.

Your primary insurance plan must offer coverage in the Detroit area for all emergency and routine care. Out-of-state HMO and Medicaid coverage outside of Michigan may only cover you for emergency care. You would need to return to your home state for any routine care.

If you waive the student health insurance plan, you will only be able to enroll in the plan later if you experience a Qualifying Life Event, such as a loss of health coverage, a change of household, a change in residence or other qualifying event.

Click on the “waive” button at right to waive the University of Detroit Mercy health insurance. If you have any questions or need assistance, please contact [email protected].
Individual Health Insurance Options

Detroit Mercy requires students to maintain health insurance to assure there is no disruption of their education due to the financial impact of an unexpected illness or injury. Domestic students are not required to purchase the student health insurance plan sponsored by the College as they may choose to purchase other coverage meeting all of the standards of the Affordable Care Act.

Detroit Mercy has secured the services of UROne Benefits to help students find alternative health insurance plans. You can reach UROne Benefits at 800-722-7331.
Will Your Health Insurance Protect You While You Are Away at College?

The insurance plans offered either through your parents’ employer(s) or in the marketplace offer a variety of options. Some plans will limit coverage and services for routine medical services outside of your home state. Most if not all plans offer coverage in the event of an emergency but would require you to return to your home state for routine medical care. This can result in significant out-of-pocket expenses or delays in receiving proper care.

Please check with your insurance company to see if they offer options to extend coverage to the Detroit area. Most of the national insurance companies will expand coverage outside of the home state at no cost to the insured. Some will reference this as a Guest Membership or Away from Home Care.

The implementation of this type of plan can properly protect you and ensure there is access for all medical care while you are away from home. The process can take up to 60 days to complete, so please contact your insurance company prior to your arrival on campus.

Blue Cross and Blue Shield
Is your student covered by a Blue Cross and Blue Shield HMO or EPO plan? They may not have health insurance coverage in the Detroit area. We recommended that you contact your insurance plan and inquire about a Guest Membership. This membership may be provided by your plan with no additional out-of-pocket cost to you. The Guest Membership would give your student access to health care coverage options near campus that would be the same as or similar to what would be available to them back at home. An annual renewal in the plan would be required prior to each school year.

Non-Michigan State Medicaid
Medicaid provides full health care coverage strictly within the state the student/member permanently resides. Only emergency care would be covered for the student outside of their home state.

Kaiser Permanente
Kaiser Permanente provides full health care coverage strictly within a Kaiser Permanente facility. Only emergency care would be covered for the student outside of a Kaiser facility. Kaiser Permanente does have facilities in Detroit.

If you have questions regarding your current insurance plan’s coverage in the Detroit area, please contact your insurance provider directly using the number on the back of your card. You may also use the provider locator tool available on most insurance plan websites.
Prescription Drug Information

The Detroit Mercy-sponsored student health insurance plan offers a prescription drug benefit. Please click on the link below for coverage and cost information as well as any prior approval requirements.

View Prescription Drug List

Students can also use discount prescription drug sites, which may result in lower out-of-pocket expenses for your medication. Two popular sites for discounted prescription medications are Amazon and GoodRx.
Telehealth Medicine
Students insured by the University of Detroit Mercy sponsored student health insurance plan will have access to medical providers 24/7/365.

Doctors are making house calls again. Included with your student health insurance plan and provided by HealthiestYou is a 24/7/365 access to board certified physicians online or on the phone (where permitted). Totally worth it for minor stuff like allergies, pink eye or earaches, the Doctors on Telehealth can even send a prescription to your preferred pharmacy.

Tekehealth can be a win/win:

Talk to a licensed physician 24 hours a day, t days a week

Pay no consultation fee

Save money and time

Toll free number is on your Student Resource ID card or in your My Account

To Learn more: https://go.healthiestyou.com/student/
Travel Assistance, Evacuation & Repatriation

RESOURCES

Enrollment Deadlines:

Fall Enrollment
Deadline: 9/30/24
Spring/Summer Enrollment
Deadline: 1/31/25

Enroll Today!

Waiver Deadlines:

Fall Waiver
Deadline: 9/30/24
Spring/Summer Waiver
Deadline: 1/31/25

Waive Today!

Dental Insurance

Voluntary Dental Insurance

Stay Covered with an Individual Dental Plan

Don’t have an employer-sponsored dental insurance plan? Sign up for an individual plan from Delta Dental, the benefits provider employers know and trust.

Take care of your teeth. You are 50% more likely to visit the dentist when you have coverage. Regular visits can keep tooth decay and gum disease in check, preventing major dental problems.
Stay healthy. Treating gum disease can lessen the impact of systemic illness, such as diabetes, heart disease and rheumatoid arthritis.
Protect your wallet. Dental coverage makes it easy to get the dental care you need without breaking the bank. Most plans cover routine exams, cleanings and x-rays at no cost. And you cannot be charged more than Delta Dental’s set fees when you visit an in-network dentist.
Enjoy peace of mind. When you have dental insurance, you are prepared for the unexpected.

Students wishing to enroll in this voluntary dental program can enroll in a Delta Dental plan at any time. You will be required to submit payment online with your credit card.

ENROLL TODAY
Voluntary Dental

Vision Insurance

VSP Individual Vision Plans

VSP has your solution for affordable individual and/or family vision insurance.
Consumers’ #1 choice in vision care, Individual Vision Plans from VSP cover eyewear, contacts, and eye exams at the lowest out-of-pocket cost through the nation’s largest doctor network.

You’ll like what you see when you look at VSP.

Lowest Out-of-pocket Cost
You’ll enjoy the lowest out-of-pocket cost in individual vision care, saving you hundreds on your eye exam and glasses.

Convenient Locations
With more than 36,000 network doctors you are sure to find a VSP doctor close to you. Visit the Find A Doctor section on www.vsp.con to locate a VSP doctor near you.

Great Selection in Eyewear
With the largest choice in frames, you’ll find the pair that’s right for you and your budget

Satisfaction Guaranteed
We guarantee your satisfaction. That is why we are consumers #1 choice in vision care. If you are not 100% happy VSP will make it right.

Students wishing to enroll in the vision plan can enroll at any time during the year. You will be required to submit payment online with your credit card.

ENROLL TODAY
Voluntary Vision

Intercollegiate Sports Insurance

University of Detroit Mercy student-athletes are insured under an Intercollegiate Sports insurance program. This policy is intended to pay for any excess medical expenses not paid by the student-athletes primary health insurance plan.

The Intercollegiate Sports insurance policy is an excess insurance plan. This means if an injury occurs requiring medical attention claims should be submitted to the student’s primary insurance company. The Intercollegiate Sports insurance policy will only pay for any excess expenses not reimbursed by the primary insurance company and meeting the guidelines of this policy.

The student is responsible for submitting all medical bills and Explanation of Benefit statements to the claim administrator. Detroit Mercy does not assist in this process. You can ask for assistance on any Intercollegiate Sports insurance claim by emailing [email protected].

This policy will pay for up to two years from the date of the injury.

A-G Specialty Insurance – Intercollegiate Sports Insurance Claim Information

Claim Submission
Claim Filing Instructions
Detailed medical bills associated with the injury must be submitted to your primary health insurance company.

Any medical expense balance not paid by the student’s primary insurance will be reviewed by the A-G Specialty Insurance for the Intercollegiate Sports insurance.

Claims to the Intercollegiate Sports insurance policy must be submitted with a copy of all itemized medical bills and the Explanation of Benefit (EOB) statements from the student’s primary insurance company.

Bills must be submitted within 90 days from the date of the service provided to the student.

Claims Administrator
A-G Specialty Insurance
Attn: Claims Department
P.O. Box 21013
Eagan, MN 55121
(800) 634-8628 (voice)
(610) 933-4122 (fax)

Online: www.agaadministrators.sharefile.com
Email: [email protected]
Important Claim Procedures
A-G Specialty Insurance should be notified of any injury within 30 days of the accident. Contact your Athletic Trainer for initial assistance with submitting the claim

Any invoice for medical services should be submitted within 90 days from the date the service was provided.

The student is responsible to respond to any request from A-G Specialty Insurance or your primary insurance carrier for additional information.

Ignoring requests for information to process your claim may result in the medical provider submitting your bill to a collection agency. This could lead to personal credit problems in the future.
Use of HSA Accounts
Assistance with Claims

In addition to working with the claim administrator, A-G Specialty Insurance, students can also contact our insurance broker, RCM&D, Inc. A dedicated email address has been created to assist University of Detroit Mercy student-athletes.

Please contact RCM&D for assistance by sending an email [email protected].

Tim Cummons | (410) 583-5452 | [email protected]