1. University Partnerships
Steve Petrungaro
Hubbard-Bert Insurance

2. University Partners Working Student Health Plan Preview
for You!
Hubbard – Bert, Inc.
A division of Hub International HDH
Student Health Plan Preview

3. Health Insurance for Students
Even Healthy Students may need healthcare services while at College.
Student Health Centers provide many primary care services at no charge, but they are not equipped to provide imaging, or diagnostic laboratory services and are not open evening hours or weekends.
Students needing x-ray, an ER visit, blood work, or a weekend visit to an urgent care center, will not have access to these services without insurance or incurring a significant bill.
A single hospitalization can cost thousands of dollars.

4. Health Insurance for Students
Having Insurance means having access to the medical care needed in a way that minimized disruption to your child’s studies, life and finances.
While Mercyhurst University currently requires insurance for Athletes and International Students, it strongly encourages ALL students to carry adequate health insurance.
Any Mercyhurst student not currently required to show proof of insurance, are still welcome to purchase the Highmark Community Blue PPO.

5. Rules for Enrollment
Mercyhurst University requires all student Athletes and all International Students to have certain minimum health care requirements in order to attend classes.
If a student is currently covered by either their parent’s or a spouse’s employer-sponsored group plan, they may opt-out of Mercyhurst’s sponsored plan if it meets the requirements set forth by the University. Individual Policies & Travel Polices are not accepted.

6. Rules for Enrollment (con’t)
Mercyhurst University strongly recommends all students obtain and maintain health insurance while they are earning their degree. Mercyhurst offers a Health Insurance option for all students, regardless of the number of course credits they are enrolled in.

7. Rules for Enrollment (con’t)
Athletes
All Athletes must enter their current insurance for review on the Student Health Portal by July 15th. Instructions will be sent to all athletes by their coaches. Students will be contacted if their coverage is not sufficient.
International Athletes will be billed for the plan on their tuition bill in 6 month installments. If it is found that their current coverage meets Mercyhurst’s requirements, the charge will be removed.

8. Rules for Enrollment (con’t)
International Students
All international students will be billed for the plan on their tuition bill. In order to have the charge removed, students must submit their current coverage for approval. Students will be notified by if their coverage was denied.

9. Rules for Enrollment (con’t)
All Other Students
Mercyhurst University strongly recommends all students obtain and maintain health insurance while they are earning their degree.
Students who are neither athletes or internationals, may enroll on a voluntary basis. Parents are encouraged to call their current health insurance provider, to ensure their student has access to more than emergency only coverage, while studying at the University, and to review the costs/benefits in comparison to their current coverage.

10. Online Enrollment Procedures
To enroll in the Mercyhurst University’s Student Health Plan, go to:
Click on “Student Login” to access the Student Insurance Page, the link to enroll is at the top of the page
You will need your student ID (7 digits beginning with “0”) and your date of birth
Click “Continue” to proceed to the Enrollment or to Opt-Out

11. Opt-out Requirements for Athletes & International Students
Offers at least 80% coverage for in-patient and outpatient medical services, including Preventative, Wellness, & Routine Services; Emergency Coverage Only is not acceptable
Does not have a deductible that exceeds $1,500 for Single or $3,000 for Family
Includes coverage for mental health benefits
Must have a local provider network (doctors and/or facilities within 100 miles of the University)

12. Opt-out Requirements for Athletes & International Students
Does not contain any language limiting coverage on pre-existing conditions
Must cover injuries that occur during participation in intercollegiate athletics (Athletes only)
Has limits of at least $90,000 that includes coverage for sports-related injuries (Athletes only)

13. If the coverage a student currently has meets or exceeds these requirements, a student or parent must submit their current coverage for approval in order to opt out of the Mercyhurst University Student Health Plan Submit your insurance online at

14. Highmark Community Blue Platinum Plan Benefits Summary
Deductible - $500 individual, $1,000 family, combined in and out of network
Play pays – 80% after deductible
Out-of-pocket maximum - $3,000/$6,000
PCP Co-pay $20; Specialist $40; ER $100
Pediatric Dental/Vision provided through Age 19
Prescription Drug benefit
Full Benefit Grid is available in the Lobby today and online at

15. Online Enrollment Procedures
To enroll in one of the University’s Student Health Plans, go to:
Click on “Student Login” to access the Student Insurance Page, the link to enroll is at the top of the page
You will need your student ID (7 digits beginning with “0”) and your date of birth
Click “Continue” to proceed to the Enrollment or Waiver process

16. Contact Information
Specific questions regarding plan benefits or if your current insurance meets Mercyhurst’s requirements should be directed to the plan administrator: Carrie Jaco, Student Plan Coordinator or Or

17. Please enjoy lunch. Presentations resume at 1:00 pm in the Walker Recital Hall – Audrey Hirt Academic Building.