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Student Health Insurance Overview

IMPORTANT: Before receiving any medical care with a Tier II or Tier III provider, you must obtain a referral from your Tier I provider, including referrals for follow-up visits. You are also required to follow up with your Tier I provider to obtain a referral if you are referred to a different Tier II or Tier III provider for the same condition.

  • If you are a student in the Ft. Lauderdale/Davie Campus you must visit the Nova Southeastern University (NSU) Student Medical Center to obtain a referral before receiving any medical care with a Tier II or Tier III provider, including referrals for follow up visits.
  • If you do not obtain the necessary referral Student Health Insurance will not pay for any medical expenses, and you will be held responsible for payment.   

Referral is not required for the following exceptions:

  • Treatment for an emergency medical condition (A referral from the NSU Health Center may be necessary for follow-up care.)
  • Obstetric and gynecological treatment
  • Pediatric care
  • Preventative/routine services (services considered preventive according to Health Care Reform and/or services rendered not to diagnose or treat an accident or sickness)
  • Treatment  25 miles away from the Student Medical Center
  • Treatment when the NSU Student Health Center is closed
  • Treatment administered from any Tier I provider

Tier I - Locate Your Tier I Provider

  • Tier I providers will not be subjected to co-payment nor deductible, but you will be responsible for 30% coinsurance for services rendered during office visit.
Registered Ft. Lauderdale/ Davie Campus Students
  • Covered medical services rendered at one of the Nova Southeastern University Student Medical Center will be covered at 100% with no plan deductible (subject to benefit limitations and exclusions as they relate to health services). Please call (954) 262-4100 for more information or to schedule an appointment. 
  • The NSU Student Medical Center is staffed by board-certified physicians and physician assistants who provide primary care services including:

  • You must visit the Student Medical Center  to obtain a referral before receiving any medical care with a Tier II or Tier III provider; this includes referrals for follow-up visits.
  • Sub-specialty care performed by a non-NSU Medical Clinic provider will be subject to the benefit period deductible, coinsurance, and co-payments.
  • If you do not obtain the necessary referral Student Health Insurance will not pay for any medical expenses, and you will be held responsible for payment.  

Tier II - In-Network Providers

If you are a student in the Ft. Lauderdale/Davie Campus you must visit the NSU Student Medical Center to obtain a referral before receiving any medical care with a Tier II or Tier III provider, including referrals for follow up visits.

Tier II or Tier III Providers within the Preferred Provider network have agreed to accept negotiated rates which reduce students' out-of-pocket expenses. To find a doctor, hospital, or pharmacy. 

Tier III - Out-of-Network Providers

Out-of-network providers may not accept payment of students' cost share (deductible and payment percentage) as payment in full and may therefore bill students for the difference between the amount billed and the amount paid by the plan. If an emergency room facility or physician bills you for an amount above your cost share, you are not responsible for paying that amount. Please send the bill to the address listed on your member ID card and the insurance company will resolve any payment dispute with the provider over that amount. Make sure your member ID number is on the bill.

Students who are graduating or no longer attending NSU may purchase the three-month continuation option directly with United Healthcare. The three-month continuation option will provide an additional three months of coverage based on your current insurance coverage end date. Please contact studenthealth@nova.edu to confirm your coverage end date.

Please note, your insurance coverage will remain active until the end of your program’s academic year. This means your coverage period may extend past your graduation date and/or class end date; you will then be eligible for the three-month continuation option. (Example: If you graduated in May, your plan may continue to cover you until the end of your academic program year in July or August. 

 Please read the following important information prior to electing to enroll:

  • The three-month continuation option cost $519.00
  • It is recommended to purchase the three-month continuation option one month prior to your student insurance coverage end date.
  • If payment is not received within 14 days of initial request, your request for enrollment will be canceled. 
  • You will not be able to purchase the three-month continuation option after 14 days of your student insurance coverage end date.
  • The maximum length of coverage under the continuation option is three consecutive months from your coverage end date.
  • The three-month continuation option is not renewable, nor can the policy be canceled once an application has been purchased.

To request the Three-Month Continuation Option contact you must complete the Continuation Enrollment Form and follow the payment instructions. If you need further assistance please contact United Healthcare member services by phone at 1- 800-767-0700. 

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