Loyola University of Maryland – RCMD Student Benefits

United Healthcare Student Resources Portal

Welcome Students!

Start here! To enroll into or waive out of the student health insurance, click the buttons below to take action by the deadline!

Information about the plan and other insurance solutions are below for your review.

The fall enrollment and waiver deadline is 8/31! See below for details.

The enrollment and waiver process should be available in June.

Sports

Click on an insurance option above or continue scrolling for more information.

Health Insurance

Plan Summary

Plan Certificate

Eligibility and Requirements

All full-time undergraduate studies students taking at least 12 credits per semester.

Full time Graduate students participating in the Masters Speech-Language Pathology program, Doctorate of Psychology program, Washington Montessori Institute and the Emerging Leaders MBA based programs are automatically enrolled in the University sponsored insurance plan unless proof of comparable coverage is furnished.

Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the Eligibility requirements that the student actively attend classes.

To Enroll in the student health insurance plan, click on the “Enroll Today!” button at right to get started. If you have any questions or need assistance, please contact [email protected].

Deadlines:

Annual Enrollment Deadline: August 31

Spring Enrollment Deadline: January 31 *(for new spring students only)

We recommend any student who is interested in being enrolled to proactively enroll and not wait for the auto-enrollment process. Automatic enrollment takes places after the enrollment deadline.
Cost

The cost of insurance for the 2026–2027 academic year is currently pending review and approval by the Maryland Insurance Administration. Updated rates are expected to be available prior to the start of the plan year.

Proposed 2026–2027 Annual Premiums:

Undergraduate Student: $2,406

Graduate Student: $4,089

These rates are proposed and are subject to change pending final approval by the Maryland Insurance Administration.
Enroll in the Student Health Insurance Plan

Click on the “Enroll Today!” button on the right to get started.

Students must actively attend classes for at least the first 31 days after the date for which coverage was purchased. If a student leaves the school 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.

We highly recommend any student interested in purchasing the insurance to proactively enroll in the plan. This will ensure you receive your insurance ID card in a timely manner.

Please note that enrollment will not be available until the plan and rates are approved by the Maryland Insurance Administration.

If you have any questions or need assistance, please contact us.
Waive out of the Student Health Insurance Plan

The Loyola University Maryland students are required to complete the online waiver process each academic year.

Please understand your primary insurance plan must offer coverage in the Baltimore area for all emergency and routine care. Out of state HMO and Medicaid coverage outside of Maryland 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 if you experience a Qualifying Life Event.

If you have any questions or need assistance, please contact [email protected].

Deadlines:

Annual Waiver Deadline: August 31

Spring Waiver Deadline: January 31 *(for new spring students only)

Any student failing to complete the online waiver by August 31 will automatically be enrolled in the student health insurance plan and your account will be charged for the cost of the insurance. Once enrolled, the plan cannot be cancelled and no refunds are available.
Individual health insurance options

The Loyola University Maryland 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. Students are not required to purchase the student health insurance plan sponsored by the University and can purchase coverage meeting all of the standards of the Affordable Care Act.

The Loyola University Maryland has secured the services of UROne Benefits to assist students with a search of 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 or in the Marketplace have a variety of options. Some plans will limit coverage and services if the individual is seeking routine medical services outside of their home state.

Most, if not all plans will offer coverage in the event of an emergency, but would require the insured to return to their 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 have any options to extend coverage to the Baltimore 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 in advance to arriving on campus.
Qualifying Life Event

Eligible students who lose their current coverage through no fault of their own may enroll in the school plan as a Qualifying Life Event. You must enroll within 30 days after losing coverage in order to be eligible.

Please request enrollment by completing and submitting the Qualified Life Event form.
Download ID Card + Find a Doctor

To access a copy of your health insurance ID card or to find a provider/doctor, please visit https://myaccount.uhcsr.com/. You’ll be prompted to register or sign in to access your ID card.

If you need technical help or have any issues registering/logging in, then this is the customer service email to assist you: [email protected].
Telemedicine Services

HealthiestYou – Free Telehealth for Students enrolled in the UHCSR Student Health Insurance Plan.

As a student covered under the UHCSR insurance plan, you have access to HealthiestYou, a free telehealth service powered by Teladoc Health. Through the HealthiestYou app or website, you can talk to a licensed doctor 24/7 by phone or video for general medical needs such as the flu, infections, and other common conditions. You can also connect with a mental health provider – including therapists and psychiatrists – by phone or video, seven days a week from 7:00 a.m. to 9:00 p.m. All visits are at no cost to you. To get started, visit telehealth4students.com or download the HealthiestYou app. You will need your first and last name, date of birth, and your student ID number to register. You can also access the registration link through your My Account portal by clicking on the telehealth support card under Additional Benefits. If you need help or prefer to connect by phone, call 855-870-5858.
Prescriptions

The student health insurance plan offers a prescription drug benefit. Follow the instructions below to access information on which medications are covered, cost for each prescription, and if any prior approval is required.

Visit www.uhcsr.com, select your school, and click “Find Pharmacy.” To register or log into your account, you can visit: www.uhcsr.com/myaccount.

Students should 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 through Amazon and Good Rx. We provided links below for your convenience.

GoodRx

Amazon
Resources

Enrollment Deadlines:

Fall
Deadline: 8/31
Spring/Summer
Deadline: 1/31

Enroll Today!

Waiver Deadlines:

Fall
Deadline: 8/31
Spring/Summer
Deadline: 1/31

Waive Today!

Dental Insurance

Enroll here for dental coverage through Delta Dental.

ENROLL TODAY
Voluntary Dental

Dental coverage can make it easier to stay on top of your oral health while you’re in school. Students with coverage are more likely to get regular check-ups, which can help catch issues early and prevent bigger problems later. Taking care of your teeth and gums also supports your overall health. Many plans help reduce out-of-pocket costs by covering routine exams, cleanings, and X-rays. And you cannot be charged more than Delta Dental’s set fees when you visit an in-network dentist. Having coverage can also help you feel more prepared if something unexpected comes up.

Customer Service at Delta Dental can be reached at 800-422-4234.

Vision Insurance

Enroll here for vision coverage through VSP.

ENROLL TODAY
Voluntary Vision

Vision coverage can help make it easier to take care of your eye health while you’re in school. Regular eye exams can catch changes in your vision early, and many plans help lower the cost of exams, glasses, and contacts. With a large network of providers, it’s usually easy to find a doctor nearby, and you can choose eyewear that fits your style and budget. Students can enroll in a vision plan at any time during the year, with payment completed online.

Study Abroad

Loyola University Maryland has a Global Medical Policy which provides accident and sickness coverage to faculty and students while traveling outside of United States on University sponsored activities.

Summary of
Benefits

Planning for your health and safety while abroad is very important. Our Global Medical program provides the following:

Up to $250k covered accident or sickness
Medical evacuation/repatriation of remains: 100% of covered expenses
Security Evacuation (including natural disaster): Up to $100,000
Emergency Reunion Benefit: up to $12,500
Quarantine Benefit: Up to $2,000
Trip Cancellation Benefit: Up to $2,500
Trip Interruption Benefit: Up to $2,000
Trip Delay Benefit: Up to $500
Worldwide Travel Assistance: Available 24/7 through AXA

Travel Assistance Services
As an insured under the Global Medical plan, travelers are eligible for global emergency and medical assistance services provided by AXA. These benefits are available to you as long as the insured is participating in a Loyola University Maryland sponsored Program. These services are accessible 24 hours a day, 365 days a year.

AXA offers the following key services:

Medical Assistance Services

Medical Evacuation & Repatriation Services

Security & Natural Disaster Evacuation Services

Worldwide Destination Intelligence

Personal Travel Assistance Services

To learn more about this valuable benefit, review the Travel Assistance Services website.

Sports Insurance

Loyola University Maryland 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.

Collegiate Accident
Claim Uplaod

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. Loyola 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 medical expenses for up to two years from the date of your injury.

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 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: https://agadmin.retool.com/p/secure-file-upload
Email: [email protected]
Important Claim Procedures

A-G Administrators 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 Administrators 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 Administrators, students can also contact our insurance broker, RCM&D, Inc. A dedicated email address has been created to assist Loyola University Maryland student-athletes.

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

Questions?

If you don’t see what you are looking for, or have any questions, it will be our pleasure to assist you.

Email Us: [email protected]

For questions about the following:
• Waiver questions
• Enrollment questions
• Life status changes (Qualifying life event)
• Change of address
• Requesting a new ID card
• Insurance carrier portal assistance
• General policy information

Call Us: (800) 346-4075

For questions regarding:
• Benefits
• Claims