Health and Dental Insurance

All Nebraska Methodist College students taking 3 or more credit hours are required to purchase the NMC insurance plan, unless proof of comparable coverage is provided. (This excludes online, nursing assistant, medication aide, and phlebotomy students.)

The College has chosen an insurance plan that we feel best serves the needs of our students at a very competitive cost. NMC partners with Student Assurance Services and Ameritas Group to offer a medical and dental insurance plan for students. Coverage is also available for dependents (see the Campus Health Center to enroll any dependents).

To ensure that every student has adequate coverage, all registered students carrying 3 or more credit hours (not including online-only students) will be automatically enrolled in the NMC insurance plan upon matriculation and at the beginning of each academic year.  The premium is added to the student's account on a semester basis.

 

Health Insurance

The medical plan is offered through Student Assurance Services and policy information can be found at http://www.sas-mn.com/studentslookup1.php. The Preferred Provider Network is First Health.

The following chart shows a summary of benefits.

Health Insurance Benefit Summary

Basic Aggregate Maximum

$500,000 per policy year for all covered injury and sickness. Covers inpatient and outpatient expenses.

Deductible

$250 per person, per policy Year

Insurer Percentage - Plan pays

The Plan is responsible for paying the following insurer percentage for the In-Network preferred allowance or Out-of-Network reasonable & customary charge (R&C) - each covered injury or sickness:

  • For the first $75,000 in paid benefits -In-Network 80% or Out-of Network 60%
  • For the next $425,000 in paid benefits -In-Network 100% or Out-of Network 90%

Inpatient Hospital Room and Board

In-Network or Out-of-Network percentage listed above; benefit is payable up to the semi-private room rate

Inpatient Hospital Miscellaneous

In-Network or Out-of-Network percentage listed above; after $500 copay per confinement

Surgical Treatment

In-Network or Out-of-Network percentage listed above

Outpatient Physician Visits

In-Network or Out-of-Network percentage listed above; after $10 copay per visit; up to maximum 30 visits per condition

Outpatient Emergency Room

In-Network percentage listed above; after $100 copay per visit; copay is waived if admitted

Outpatient Prescription Drugs (30-day supply per prescription)

In-Network percentage above for R&C; after $15 copay per generic drug or $35 copay per brand drug; copay is applied when a claim is submitted for payment; generic copay and percentage does not apply to generic contraceptives

 

Dental Insurance

The dental plan is offered through Ameritas Group and policy information can be found at www.ameritasgroup.com. The Ameritas Group Privacy Policy can be viewed here.

DENTAL INSURANCE BENEFIT SUMMARY

Maximum

In-Network: $900/calendar year maximum per person; no family maximum

Out-of-network: $450/calendar year maximum per person; no family maximum

Deductible

$50/calendar year

Type 1: routine exams, x-rays, cleaning, fluoride

100% in-network

80% out-of-network

No deductible

Type 2: sealants, fillings, root canals, denture repair, simple extractions

50% in-network

30% out-of-network

Type 3: crowns, complex extractions, anesthesia, space maintainers, dentures, surgical procedures

40% in-network

20% out-of-network

 

 

Student Rates 2013-14

Fall
(Aug. 15 - Jan. 19)

Spring/Summer
(Jan. 20 - Aug. 14)

Summer
(May 19 - Aug. 14)

$606

$793

$341

 

Dependent Rates 2013-14

Type

Fall
(Aug. 15 - Jan. 19)

Spring/Summer
(Jan. 20 - Aug. 14)

Summer
(May 19 - Aug. 14)

Spouse

$2,106

$2,758

$1,175

Each child $1,359 $1,779 $759

 

Waiver Information

FOR STUDENTS MATRICULATING SPRING 2014 AND STUDENTS WHO ARE CURRENTLY ENROLLED IN THE NMC INSURANCE PLAN:

If a student has other insurance coverage, they must waive the NMC plan by completing the online waiver form prior to January 28, 2014.  If the waiver is submitted prior to the deadline, the student's account will be reimbursed.  The online waiver form can be found at http://www.sas-mn.com/studentslookup1.php.

Please note that NO exceptions will be made to the waiver deadline.