General Information

DMU Student Health Insurance Policy

DMU requires students in the DO, DPM, DPT, PA, MSA and MSBS programs to provide proof of active comprehensive health insurance. All students must enroll in the Student Health Insurance Plan or submit a waiver request. Only those students who meet the waiver requirements will be allowed to waive the plan. 

If you do not enroll or waive by the deadline, you will automatically be enrolled and billed for the Aetna Student Health Insurance to your DMU student account.

The following link is the presentation HSAC gave while on campus:  HSAC presentation.

Please contact HSAC at dmu@hsac.com or 888-978-8355 for any questions.

You must submit a copy of your Health Insurance ID card with your waiver submission.

Description of Student Health Insurance Program

The DMU Sponsored Health Insurance Plan is a Preferred Provider Plan that has been designed specifically for DMU students and is underwritten by Aetna Student Health. With an emphasis on wellness, the plan is designed to provide full coverage for medical care including annual routine physicals and immunizations.

Health Insurance Plan - Aetna Student Health Summary of Benefits and Costs
Policy Plan Year 08/01/2019 - 07/31/2020

All students will be charged for student only coverage in the DMU Sponsored Student Health Insurance Plan at the start of the academic year. The charge to the student's account will be removed if an approved waiver is granted. 

Plan Rates for 2019-2020

Annual

Student Only

$3,300.00

DMU 19-20 Summary of Benefits

First Year PA Students Plan Year 06/01/2019-07/31/2020*

All PA students will be charged for student only coverage in the DMU Sponsored Student Health Insurance Plan at the start of the academic year. The charge to the student's account will be removed if an approved waiver is granted.

Plan Rates for 2019-2020

Annual

First Year PA Students

$3,850.00

*First Year PA students will be enrolled on the 2018-2019 policy from 06/01/2019-07/31/2019.

Health Insurance Plan - Aetna Student Health Summary of Benefits and Costs
Policy Plan Year 08/01/2018 - 07/31/2019*

All students will be charged for student only coverage in the DMU Sponsored Student Health Insurance Plan at the start of the academic year. The charge to the student's account will be removed if an approved waiver is granted. 

Plan Rates for 2018-2019

Annual

Student Only

$3,300.00

DMU 2018-2019 Summary of Benefits 

 

Discount Benefits - Aetna Student Health

In addition to the medicall benefits, those enrolled in the DMU student health plan will have access to an Aetna discount program which will provide savings for dental, vision, fitness clubs and more for an annual membership fee.

Enrollment Process

All students are automatically enrolled in the DMU - Sponsored Student Health Insurance Plan and the premium charge is added to the student billing unless a waiver request is submitted and approved. Enrollment and the insurance charge can be waived if proof of other acceptable health insurance is provided by submitting an online waiver.  The DMU Student Insurance Plan is an annual enrollment policy, once enrolled you will remain enrollled for the entire policy term.

  • To expedite enrollment in the DMU Sponsored Student Health Plan, please follow "Enroll" tab at the top of this page.
  • If you do not take any action.  You will automatically be enrolled in the DMU student health plan after the waiver period ends.
  • Students who lose coverage midterm are required to submit an enrollment request within 30 days of the date of loss of prior coverage for enrollment in the DMU - Sponsored Student Health Insurance Plan.  Please follow the  "Enroll" tab at the top of this page and submit your request with proof of loss of prior coverage which can be attached to your electronic enrollment.
  • The student plan is an annual enrollment policy.  Once you are enrolled in the student plan for an Academic year you may not terminate early or waive coverage.

Waiver Process for 2019-2020 Policy Year

Waivers will be accepted on the following dates for the 2019-2020 Policy Year

  • Continuing Students from April 26 - June 15, 2019
  • Incoming PA Students from April 15 - May 15, 2019
  • Incoming 2019 - 2020 Students from June 1 - July 17, 2019

Please be aware that waivers will not be accepted after the posted deadline and any student who has not submitted a waiver request by the waiver deadline will be enrolled in and charged for the DMU student health plan.

Waiver Process - Continuing Students and Incoming PA Students for the 2019-2020 Policy Year

Maintaining health insurance coverage is mandatory for all full-time DMU students and all students MUST be covered by an ACA compliant domestic health insurance plan. All students are required to enroll in the DMU - Sponsored Student Health Insurance Plan unless an acceptable Waiver is provided in a timely manner. The acceptable coverage to waive the DMU - Sponsored Student Health Insurance Plan must have comprehensive coverage throughout the United States.  Your plan must have a provider network for primary care, specialty, hospital and diagnostics care in Iowa or in states where students are designated for rotations.  HMO plans only qualify for the state in which you are residing, in Iowa you must have an Iowa HMO.

  • Parent's Employer Group plan
  • Spouse's Employer Group plan
  • Partner's Employer Group Plan
  • COBRA
  • Military/Veterans Benefits - Tricare
  • Iowa Medicaid
    •  1st and 2nd year students who remain in Iowa for the entire year and must be a permanent resident of Iowa
    • 3rd and 4th year students in the DO program are not allowed to waive with Iowa Medicaid
  • Other State Medicaid
    • 1st and 2nd year students are not eligible to waive with Medicaid coverage from another state
    • 3rd and 4th year students in the DO program are not allowed to waive with another state Medicaid
  • Medicare

Individual health plans are acceptable by exception and will only be considered with a minimum of the following benefits:

  • Maximum Out of Pocket Expense of no more than $6,600
  • Deductible Maximum of $1,500 per Individual
  • Unlimited Lifetime Benefits
  • Unlimited Office Visits
  • Wellness Benefit
  • Comprehensive Prescription Plan (cannot be restricted to generic only)
  • Inpatient and outpatient Mental Health Benefits

If you have active domestic health insurance with benefits which meet the criteria above you may apply for waiver of enrollment in the DMU student health plan. You will need to have your current insurance ID card and information regarding your plan benefits to complete the process. Once you have submitted the required information you will receive an email verifying if your waiver meets the DMU requirements.

 

Full-Time Students on Out-of-State Clinical Rotations/Experiences

In addition to the requirements above, students attending clinical rotations/experiences outside of Iowa are required to have comprehensive health insurance coverage as stipulated by DMU's rotation site affiliation agreements. Students completing any out-of-state clinical rotations/experiences during an academic year are not eligible to waive with any state Medicaid coverage, including Iowa Medicaid,as it does not provide comprehensive coverage when you are rotating out of state. Your insurance coverage must also have national in-network provider coverage, which includes the states in which you may rotate. 

Waive DMU Plan: You may submit your waiver request by following the "Waive" tab at the top of this website page. You must submit a copy of your Health Insurance ID card with your waiver request.

OBTAINING YOUR 1095-B FORM FOR 2019 -  

Distribution of the form 1095-B has changed for the 2019 tax year. The form will be available for 2019 on the Aetna member’s portal under “communication”.

  • The form shows if a member met the Affordable Care Act (ACA) minimum essential coverage requirement known as the individual mandate. Because the tax penalty for failing to meet this mandate has now been reduced by Congress to zero, the IRS indicated in its notice that “an individual does not need the information on Form 1095-B in order to compute his or her federal tax liability or file an income tax return.”  

As there is no penalty regarding minimum essential coverage, the form will no longer be mailed to a member’s address, with the exception of New Jersey and Washington D.C which still require a paper form be mailed to members.  Forms were to start becoming available on 01/20/20 for the 2019 reporting year.

Students can view/print their tax form online in the member portal under “Messages” under the “Letters and Communications” tab.  If they don’t want to go through the portal, students should call 1-855-531-6837 to request a duplicate form.  If they need as SSN updated the student can update the SSN online via the member portal and immediately see the corrected 1095b form online there.

 

Questions and Contact Information

The Servicing Administrator for the DMU - Sponsored Student Health Insurance Plan is HSA Consulting, Inc. (HSAC).

  • For questions related to waiver requestseligibilityenrollmentbenefits or claims please contact: HSAC at (888) 978-8355, and identify yourself as a DMU student.
  • For specific questions related to waiver denials please contact Rose Brown with HSAC at (888) 978-8355 or dmu@hsac.com