Welcome to the Muhlenberg College homepage.

This page provides all of the tools you need to manage your student health insurance plan. From here you can do everything from enrolling in your school’s plan, set up a personal My Account to check your claim status, file medical claims, review the details of your plan or simply educate yourself on the basics of health insurance.

Click below to review plans.

Health Insurance

Dental Insurance

Vision Insurance

Study Abroad Insurance

Health Insurance

Welcome to the Muhlenberg College enrollment site. We highly recommend any student interested in purchasing the insurance to review the plan details before enrolling in the plan.

Please review the plan information to make an informed decision. If you have any questions or need assistance please contact [email protected].

Eligibility
- Full-time undergraduate students registered for classes
- All International students registered for classes.
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. Begin the enrollment process by following the instructions below.

Deadlines:
- Annual Enrollment Deadline: August 1, 2023
Waive out of the Student Health Insurance Plan

Domestic Students

Muhlenberg College requests all domestic students complete an online waiver each academic year. The waiver information is used by the Student Health Center and Athletic Department to assist students needing medical attention.

Please understand your primary insurance plan may not offer full coverage in the Allentown area. Out-of-state HMO plan and Medicaid coverage outside of Pennsylvania 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].

International Students
All international students on a non-immigrant visa at Muhlenberg College, regardless of credit hours taken will automatically be enrolled in this insurance.
Individual Health Insurance Options

Muhlenberg College requests all 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 and can purchase coverage meeting all of the standards of the Affordable Care Act.

Muhlenberg College 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 Allentown 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.
Prescription Drug Information
Muhlenberg College sponsored student health insurance plan offers a prescription drug benefit. Please click on the link below to access information on which medications are covered, cost for each prescription and if any prior approval is required.

Prescription Drug List

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
Telehealth Medicine

Students insured by the Muhlenberg College sponsored student health insurance plan will have access to medical provider 24/7/365.

Doctors are making house calls again! Included with your student insurance plan, and provided by Highmark, is 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 and earaches), the doctors on Telehealth can even send a prescription to your preferred pharmacy. The future is here!
Call your Primary Care Physician
Call your doctor to confirm they participate in telemedicine or if they think you should come to their office for a visit for any health needs. They are the best option because they know your medical history.

Use Highmark telehealth services

If you need care right away and your personal physician is not available you can meet with a Highmark.

Additional mental health resources

Contact one of the tele-health services Highmark partners with to meet with a licensed professional online or by phone.
- Available in all 50 states
- Accepts patients age 10+
- Call Highmark
Travel Assistance, Evacuation & Repatriation
You are also covered when you are traveling.
- 24/7 emergency travel arrangements
- Translation assistance
- Assistance with arranging emergency travel funds
- Lost travel documents replacement assistance
- Credit card and traveler’s check replacement assistance
- Legal consultation and referrals
- Delayed baggage tracking
Find out more about AXA Assistance Services

Description of Services through AXA Assistance

Enrollment Deadlines:

Fall Enrollment
Deadline: 8/31
Spring/Summer Enrollment
Deadline: 2/28

Enroll Today!

Waiver Deadlines:

Fall Waiver
Deadline: 8/31
Spring/Summer Waiver
Deadline: 2/28

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

Study Abroad Insurance

This page provides all of the information you about your global medical insurance plan for college approved foreign travel.

Eligibility
All full-time students, faculty, staff and approved guests of the college on a recognized study abroad program or other student or staff travel approved by the college outside the Insured’s country of Primary Residence. Coverage applies while participating in a study abroad program or other student or staff travel approved by the college outside the Insured’s country of Primary Residence including travel directly to and from the program location and home, and side trips taken in relation to the program. Side trips prior to the program start date or immediately following the end of the program will only be covered up to fourteen days in duration and must occur directly before, after or during the program. Coverage for an Insured shall not exceed 365 days.

Out of Country Medical Expense Benefits
Primary or Excess: Primary

Expenses Incurred Within: 12 months

Maximum Benefit Amount: $250,000

Deductible: $0

Co-Insurance: 100%

Hospital Admission/Medical Expense Guarantee Maximum Benefit Amount: $10,000

Medical Sub-limits:

Daily Hospital Room and Board: The average semi-private room rate

Emergency Dental: $2,500 maximum

Emergency Dental (sudden relief of pain): $1,000 maximum

Mental or Nervous Disorders: Inpatient limited to 30-days; otherwise covered to the Out of Country Travel Medical Expense Maximum

Newborn Nursery Care: $1,000 maximum

Pre-Existing Conditions: covered to the Out of Country Travel Medical Expense Maximum
Emergency Medical Evacuation & Repatriation
Medical Evacuation Maximum Benefit Amount: $500,000

Repatriation Maximum Benefit Amount: same as Medical Evacuation Maximum Benefit Amount

Return of Remains Maximum Benefit Amount: same as Medical Evacuation Maximum Benefit Amount

Family/Companion Visit – No Minimum Hospitalization Requirement

Family/Companion Visit – Flight Maximum: $2,500

Family/Companion Visit – Lodging & Meals Maximum: $250/day for maximum of 10 days

Return of Child Maximum Benefit Amount (per child): same as Medical Evacuation Maximum Benefit Amount

Return of Baggage following Evacuation or Return of Remains Maximum Benefit Amount: same as Medical Evacuation Maximum Benefit Amount

Security Evacuation Maximum Benefit Amount: $50,000

Covered Events:

Being declared persona non-grata or being expelled

Government authorities issue formal recommendation to leave

Area is officially declared a disaster area

Attack or threat of attack to health/safety
Accident Plan
Accidental Death Maximum Benefit Amount: $15,000

Accidental Dismemberment Maximum Benefit Amount: $15,000 (losses subject to Schedule listed on Policy)

Exposure Maximum Benefit Amount:
Travel Inconvenience Benefits
Maximum Covered Amount per Insured: Up to 100% of Trip Cost to a maximum of $2,000

Post-Departure Trip Interruption Benefit*

Maximum Covered Amount per Insured: Up to 100% of Trip Cost to a maximum of $2,000

Travel Delay Benefit**

Maximum Covered Amount per Insured: $750 (subject to $250 per day)

Waiting Period: 3 hours

Baggage and Personal Effects Benefit

Maximum Covered Amount per Insured: $500

Per Item Limit: $100

Electronic and Professional Equipment Maximum Covered Amount per Insured: $600

Items subject to Special Limitations Maximum Covered Amount per Insured: $600

Deductible: $0 per occurrence

Baggage Delay Benefit

Maximum Covered Amount per Insured: $300

Per Day Limit: $100

Waiting Period: 12 hours
Global Medical Insurance – Study Abroad

Claim Assistance

Administrative Concepts, Inc. (ACI) is the claim manager for this insurance plan. In the event you paid for any medical services while outside of the United States for an injury or illness you will need to submit a claim form to ACI along with copies of the billing statement from the medical provider and a receipt showing proof of payment. Please use the link below to start the claim process.

https://www.acitpa.com/memberresources

In the event you have any problems with the payment of your claim please send an email to [email protected] for assistance.

*Covered triggers*** for Pre-Departure Trip Cancellation Benefit & Post-Departure Trip Interruption Benefit:

Sickness, Injury or death of the lnsured [or the Insured’s Family Member]; or
One of the following Other Covered Events:
1. Inaccessible Home or Destination

Terrorist Act at Destination

**Covered triggers*** for Travel Delay Benefit:

1. Common Carrier delay;
2. loss or theft of the Insured’s passport(s), travel documents or money;
3. Quarantine;
4. hijacking;
5. Natural Disaster;
6. Adverse Weather Conditions;
7. a documented traffic accident while the Insured is en route to his/her [departure][Destination];
8. unannounced Strike;
9. a civil disorder;

***This is a brief summary of these benefits. Please refer to the policy wording for full terms & conditions.