General Information

DMU requires students in the DO, DPM, DPT, PA, MSA and MSBS programs to provide proof of active comprehensive health insurance.  All students are automatically enrolled in and charged for the Student Health Insurance Plan each year. If you have another insurance plan and would like to waive the DMU - Sponsored Student Health Insurance Plan, a waiver request must be submitted. Please see Waiver Process below. 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.

  • 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.

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 - Currently Open for the 2018-2019 Policy Year, 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 a 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 who are permanent residents of Iowa and all rotations are in Iowa for the entire academic year, proof of rotation schedule must be provided
  • Other State Medicaid
    • 1st and 2nd year students are not eligible to waive with Medicaid coverage from another state
    • 3rd and 4th year students who are a permanent resident of the state providing Medicaid and all rotations must be in the same state for the entire academic year, proof of rotation schedule must be provided
  • 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. If you will be completing all clinical rotations/experiences in state, you may waive with Medicaid coverage from the State of Iowa. Students requesting to waive with Medicaid coverage must attach a copy of their rotation schedule for the entire academic year to their waiver submission by the required waiver deadline.  If you are unable to provide a full academic year schedule you will not be eligible to waive with Medicaid coverage.  No mid-year changes are allowed.

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.

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