Health insurance contact information:
Specialist – Student Insurance – IU UHRS
email@example.com – 812-856-4650
All Students Must Be Insured
All medical students, except those who qualify for a policy waiver during open enrollment, are enrolled in a mandatory plan per standards set forth by the Liaison Committee on Medical Education (LCME) Functions and Structure of a Medical School.
Student Health and Disability Insurance
A medical school ensures that health insurance and disability insurance are available to each medical student and that health insurance is also available to each medical student’s dependents.
If you qualify for a health insurance waiver, be sure to submit the waiver form in time for the next enrollment period.
Currently, the IUSM group health insurance plan is underwritten by Aetna and administered by Aetna Student Health of Boston, MA.
Disability Insurance Coverage for Indiana University Medical Students
Following is a summary of the policy features of the group disability coverage provided to all Indiana University Medical School Students by the Indiana University School of Medicine. The policy is the Med Plus Advantage group trust policy sponsored through the American Medical Association and issued by Standard Insurance Company of Oregon policy number #644180-A. This policy has been specifically designed to meet the specialized needs of Medical Students. Please note these highlights are meant to provide general information only. You should refer to the policy itself for the full policy terms. All claims will be settled on the basis of the policy itself.
Monthly benefit of $1,500 payable after 90 days of disability with benefits payable to Age 67 (or Social Security normal retirement age if longer) for qualifying disabilities.
Payment of benefits is limited to 24 months during your lifetime for a disability caused by a mental disorder or substance abuse. However, if you are confined to a hospital solely because of a mental disorder at the end of the 24 month period this limitation will not apply while you remain continuously confined to the hospital.
Definition of Disability relates to ability to actively participate in school during the first 60 months of your disability; thereafter must also be unable to perform with reasonable continuity the material duties of any occupation.
Loan Payoff benefit provided that can repay up to $200,000 of eligible student loans for qualifying total and permanent disabilities.
To obtain a copy of the policy in its entirety or specific questions about this coverage or to file a claim contact Lee D. Moore by email or by phone at 317-558-1012.
Discounted Individual Disability Policy for Graduates
Through IU School of Medicine’s group disability insurance provider, the AMA Insurance Agency, students have an option when they graduate to purchase their own individual disability policy with a discounted rate and without medical questions. Students should qualify for this coverage regardless of their health and the policy is issued without exclusions.
These are some important policy features:
- $2,500 Monthly Benefit payable after 90 days of disability with benefits payable to age 67.
- Own Occupation definition of disability that will cover students strictly in their specialty.
- Guaranteed Physical Insurability rider that will allow students to increase their benefit to as high as $15,000 per month in the future without medical questions.
- 3 percent COLA or inflation protection rider.
- Full coverage for mental, nervous and addiction claims except for the specialties of Anesthesiology and Emergency Medicine. These specialties are limited to 24 months of benefits. Most companies today place this limitation on all specialties.
- Partial Disability Coverage.
- Does not interfere with or offset against any employer-provided group disability coverage students may have in the future.
Premiums for this policy are approximately $40-50 per month for most students and coverage will become effective Sept. 1, 2018, as they will remain insured under the IU School of Medicine group disability policy through Aug. 31, 2018. Payment will not be needed until the effective date of Sept. 1. Students will be able to enroll for this coverage online after Match Day.
To receive a quote for this coverage, contact Nolan Breitbarth of Doctors Disability Insurance Group at firstname.lastname@example.org or 317– 431–6193.
Additional details on this policy.
NOTE: IU School of Medicine does not endorse this product. This information is made available to you as a convenience.