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 AIG 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 AIG, and policy information can be found at http://www.studentinsurance.com/schools/Ne/NMC/ . The Preferred Provider Networks are First Health and Midlands Choice.

The following chart shows a summary of benefits.

Health Insurance Benefit Summary

Annual Maximum Benefit

The annual maximum benefit is UNLIMITED for all covered injury and sickness. Covers inpatient and outpatient expenses.

Deductible

$250 per person, per policy year

Out of Pocket Maximum

$6,350 per person; $12,700 family (In or Out-of-Network)

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.

Inpatient Hospital Expense

80% allowable charges, In-Network
60% R&C, Out-of-Network

Inpatient Hospital Miscellaneous

80% allowable charges, In-Network
60% R&C, Out-of-Network

Surgical Expenses
(In or Outpatient)

80% allowable charges, In-Network
60% R&C, Out-of-Network

Outpatient Physician Visits

80% allowable charges, In-Network
60% R&C, Out-of-Network

Maternity

Same as for other conditions

Urgent Care

60% allowable charges, In-Network
60% R&C, Out-of-Network

 Emergency Room

80% allowable charges, In-Network ($100 copay; waived if admitted)
60% R&C, Out-of-Network

Outpatient Prescription Drugs (30-day supply per prescription)

Prescriptions must be filled at a Catamaran participating pharmacy (PDF Download).  Limited to a 30-day supply per prescription or refill per month.  (The co-pay will be waived for all prescribed FDA-approved birth control.)

Generic:  $15 co-pay
Name Brand:   $35 co-pay

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 (PDF Download).

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 2014-15

Fall
(Aug. 15 - Jan. 11)

Spring/Summer
(Jan. 12 - Aug. 14)

Summer
(May 11 - Aug. 14)

$712

$1,007

$358

 

Dependent Rates 2014-15

Type

Fall
(Aug. 15 - Jan. 19)

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

Summer
(May 19 - Aug. 14)

Spouse

$2,526

$3,638

$1,250

Each child

$1,623

$2,325

$805

 

Waiver Information

ALL STUDENTS MUST SUBMIT A WAIVER IF THEY DON'T WANT THE NMC PLAN (EVEN IF A WAIVER WAS PREVIOUSLY SUBMITTED).

If a student has other insurance coverage, they must waive the NMC plan by completing the online waiver form prior to Aug. 29, 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://studentinsurance.com/Schools/NE/NMC/.

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