Medical Insurance
What to know about your medical insurance
All medicine, pharmacy and dental students, and some graduate studies students are required to carry medical insurance without exception.
The University’s health plan covers expenses incurred from injury or sickness. Should a student’s existing medical plan expire due to a qualifying life event while they are enrolled at NEOMED, they must enroll in the University’s medical plan for the remainder of the year. Proof of other insurance, in the form of a copy of the insurance card, must be submitted to Haylor, Freyer & Coon, the servicing broker, to ensure compliance.
Students can initially waive the University’s plan during the standard enrollment period. However, either the University’s coverage or coverage from another provider must be purchased 30 days before your current coverage expires due to a qualifying life event. To enroll in the University’s medical plan outside of the standard enrollment period, contact [email protected]. Include a letter or statement from the insurance carrier or employer indicating the effective date of the loss of coverage.
Refunds of premiums are allowed only upon entry into the armed forces.
Students are encouraged to budget for out-of-pocket expenses such as but not limited to: office visits, emergency room visit (co-pay is waived if hospital admission), laboratory procedures, and diagnostic x-ray services.
Insurance plans and benefits
Haylor, Freyer & Coon (HF&C) is the insurance broker for NEOMED student health plans. Through the HF&C website, students can enroll in or waive medical coverage and choose optional dental or vision coverage.
HF&C webpage for NEOMED students
Access your Anthem account
Those insured by Anthem have online access at Anthem’s Student Advantage site for NEOMED.
Get your insurance ID card
Once enrolled in the NEOMED insurance plan through Anthem, ID cards will be mailed to students. Cards may also be obtained on the Anthem site.
Add or update dependents
New dependent children must be enrolled within 30 days after birth. Enrollment forms are available on the Anthem website.
Prescription drug coverage
Anthem Drug List (PDF)
Some medications on your drug list have additional requirements before they may be covered by your plan. This helps to make sure you’re receiving coverage for the right medication, at the right cost, in the right amount and for the right situation. These medications will have an abbreviation next to them in the drug list.
Please be sure to read the abbreviations next to the medications on the list. Some medications on the drug list have additional requirements before they may be covered or they may be partially or not covered at all (plan exclusions) under the plan.
You may be asked to present your ID card to the network pharmacy when the prescription is filled. If you do not use a network pharmacy, you will be responsible for paying the full cost for the prescription.
How medical claims are processed
Medical claims are typically submitted by the service provider(s) after which an explanation of benefits is sent to the insured.
Enrolling after open enrollment
Reminder: All medicine, pharmacy and dental students and some graduate studies students are required to carry medical insurance without exception.
Medicine, pharmacy and dental students are automatically enrolled with the University’s selected insurance carrier for life and disability and this coverage is maintained throughout enrollment at NEOMED. There is no sign up needed for the life and disability plan.
Open enrollment for continuing students is now closed.
Those students who wish to enroll in the NEOMED plan after open enrollment may email [email protected]. A member of the health insurance team will respond with instructions on how to enroll in the plan. Enrollment must be due to one of the following qualify life events:
- Loss of coverage on another plan
- Aging out of parental plan due to turning age of 26
- Marriage/divorce
- Adoption of a child/birth of a child
- Guardianship appointment
- Arrival of spouse/dependents in the country (internationals)
Need help with your insurance?
Please contact our servicing broker at 1-866-535-0456 or email [email protected].