Private Insurance Options
Roseman University of Health Sciences currently does not accept Medicaid for states other than Nevada and Utah. That being said, please be aware that Medicaid is a state program and therefore coverage is limited to the state in which you have been approved for coverage. In some instances it is also limited to a particular region within the state. The only exception will be emergency care and coverage is not guaranteed.
Students applying for Nevada or Utah state Medicaid should know that it can take approximately 1-3 months for a decision to be made regarding eligibility (if you are starting an initial application). That said, any student interested in this option should plan accordingly, as your adjudication will need to be completed by the student insurance waiver deadline you have been given, so any out-standing adjudication from Medicaid after that date will not be approved for the student health insurance waiver. If no insurance is in place by that date, we will assume you have no other insurance option and you will be auto-enrolled in the student health insurance plan, and you will be responsible for the annual premium (this cost will be reflected on your student bill).
The HealthCare.gov marketplace now offers a one-stop shop for Americans in need of purchasing health insurance to meet the federal mandate that every person either purchase insurance coverage, qualify due to employment (either being the insured or being a spouse/dependent of the insured), or be exempt.
Open enrollment for current insurance year
Open enrollment is the period of time during which individuals who are eligible to enroll in a Qualified Health Plan can enroll in a plan in the Marketplace.
Private Plans Outside the Healthcare.gov Marketplace
“In some limited cases some insurance companies may sell private health plans outside the Marketplace and outside Open Enrollment that count as minimum essential coverage.
These plans meet all the requirements of the health care law, including covering pre-existing conditions, providing free preventive care, and not capping annual benefits. If you have one of these plans, you won’t have to pay the fee that some people without coverage must pay; however, it is not guaranteed that these plans will satisfy the Roseman minimum requirements, so before purchasing, be sure to contact our insurance broker (Ascension) prior to purchasing any private plan.
Insurance companies, agents, brokers, and online health insurance sellers may offer these health plans outside the Marketplace. The Marketplace does not list or offer these plans. You can’t get premium tax credits or lower out-of-pocket costs for plans you buy outside the Marketplace.
Insurance companies can tell you if a particular plan counts as minimum essential coverage (although only the Roseman insurance broker can verify if these plans will meet the Roseman minimum requirements). Each plan’s summary of benefits and coverage also includes this information.” – www.healthcare.gov.