Student Health Benefits Plan (SHBP)

Student Health Benefits Plan (SHBP)


All full-time degree students attending the University of New Hampshire, either at the Durham or Manchester campuses, are required, as a condition of enrollment, to have adequate health insurance. 
Students will have the option of waiving this requirement if they present proof of adequate coverage; alternatively, students can acquire affordable health coverage under a plan sponsored by the University and administered by Consolidated Health Plans.

All full-time degree students attending the University of New Hampshire, either at the Durham or Manchester campuses, are required, as a condition of enrollment, to have adequate health insurance. 

Students will have the option of waiving this requirement if they present proof of adequate coverage; alternatively, students can acquire affordable health coverage under a plan sponsored by the University and administered by Consolidated Health Plans.

2013-2014 Student Health Benefits Plan Brochure

Amendement to the 2013/2014 SHBP - CLICK HERE

 

Wildcat Statue

Do I need to submit a new form this year?

All full-time students must complete a new waiver or enrollment form at the beginning of each academic year, or at the beginning of the spring semester when going from part-time to full-time. Information does not carry over from year to year.

Why does the University have a requirement for health insurance as condition of enrollment?

The insurance requirement has been instituted to support students in their academic pursuits. Specifically, having health insurance is a way to reduce the financial risk associated with medical and/or psychological care while attending school. It is also to ensure that students who need medical care beyond what the campus resources can provide - whether for physical or mental health – will have insurance that allows them to access such care. Students who do not obtain proper health care can affect the larger campus community in classrooms, residence halls and other public places, as well as through personal relationships on a college campus.

How does the University's Student Health Benefits Plan differ from the Health Services and Counseling Fee that students at UNH Durham already pay? 

The Health Services and Counseling Fee covers on-campus services offered at Health Services and the Counseling Center. When combined with a student’s health insurance plan, it provides for a complete health care package. A student's health insurance company is never billed for services covered by the health and counseling fee. If requested, any services received that are not covered by the fee can be billed to an individual’s insurance company. 

What if I am an International Student?

International students with F-1 or J-1 visas will be required to purchase the UNH Student Health Benefits Plan (SHBP); there is not an option to waive coverage under the SHBP.

What if I don't comply with the insurance requirement?

Students who are found to be uninsured or to have insufficient insurance coverage will be enrolled in the SHBP as an Unqualified Late Enrollee. The cost of the plan will not be prorated, and the effectice date of the coverage will be the date the student is enrolled in the plan. Unqualified late enrollees are subject to benefit limitations that may apply for pre-existing conditions. In addition, students who knowingly falsify their insurance information so as to appear to comply with the insurance requirement may be sanctioned through the UNH Conduct System.

What is the coverage period for the plan?

  • Coverage for the 2013-2014 plan year begins August 23, 2013 and ends on August 31, 2014.

What is a Qualified Late Enrollee?

This is a rare case in which a student may be approved to enroll in the plan after the enrollment deadline. Examples are students who involuntarily lose eligibility under a group health insurance plan due to a loss of employment or an attainment of a maximum age to be covered under a plan. Such students may apply as Qualified Late Enrollees for the SHBP if they request enrollment within 31 days of the involuntary loss. Documentation of involuntary loss of coverage must be provided to the Plan Administrator.

Additional Information...