Student Health Insurance Plan
For more information about this health insurance plan available for CAS undergraduate students while attending the University of Redlands, please visit the Academic Health Plans' website. Their customer service number is (844) 408-3788.
NEW ANNOUNCEMENT- Spring/Summer 2025 Waiver
The AHP Care portal will be open from November 11th, 2024 to January 18th, 2025 for students wishing to opt in or waive coverage for the Spring/Summer 2025 coverage period.
All waiver requests and opt-in requests must be submitted prior to January 19th, 2025 for the spring/summer 2025 coverage period.
(Please Note: Waivers approved in Fall 2024 are good for the entire 2024-2025 school year through August 9th, 2025, when coverage ends. Students in this category do not need to submit a waiver until the next school year. We will begin accepting waivers for the 25-26 school year in June 2025.)
Insurance Requirement
The University of Redlands requires all CAS undergraduate students enrolled in nine or more credits to have health insurance that provides access to local health care and helps minimize the financial burden an accident, injury, or illness creates. The University confirms qualifying coverage on an annual basis.
On a practical level, this means if a CAS undergraduate student is enrolled in more than nine credits, their fall semester bill will reflect a charge for the University of Redlands Student Health Plan (URSHP), unless or until proof of qualifying coverage is confirmed. Proof of coverage must be received before September 20, 2024. This is the only opportunity to waive the URSHP for the entire year of the plan’s coverage.
Students will receive emails directly from Academic Health Plans (AHP) who serves as the institution’s insurance broker and enrollment customer service representative, with a direct link to submit proof of insurance coverage that complies with the Affordable Care Act and meets State of California requirements (short-term medical plans and travel insurance do not qualify). The first opportunity to submit proof of insurance coverage or to enroll directly will be sent on June 17, 2024. The company will send a few additional reminders to students who take no action. Should you not receive an email from AHP (noreply@ahpcare.com) on Monday, June 17, please contact AHP Customer Service at (844) 408 3788. After the September 20, 2024 deadline, students who did not submit proof of insurance coverage will be enrolled in the annual insurance coverage.
A URSHP charge will appear on your fall tuition bill; this charge will be removed provided qualifying coverage is confirmed on or by 5:00 pm on September 20, 2024.
For those who need health insurance coverage, the University partnered with AHP, an insurance broker, to secure a student health insurance plan with Wellfleet. The annual coverage is $1,748. Coverage begins on August 10, 2024, and ends on August 9, 2025. This total annual rate will be divided into two payments and billed to student accounts, as appropriate, in the Fall and Spring of this academic year.
Highlights of the plan include the following:
- Compliance with the state and federal laws
- Annual deductibles: $250 in and out of network combined
- In-Network physician office visit $20 Copay, then 100% Coverage
- Prescription drug coverage based on four tiers
- Behavioral Health Hotline and Telemedicine services included
If a student outside the local area is currently covered, for example, under a family member’s employer plan, we strongly encourage making contact with the provider to confirm the depth and breadth of coverage in southern California and/or to inquire about extending coverage to San Bernardino County and surrounding areas. For example, Kaiser Permanente customers have found some coverage is regional and therefore does not include healthcare facilities in the area surrounding the Redlands campus.
While full details of the plan can be found here, do note that some students may qualify for health insurance coverage through Medi-Cal, California’s part of the country’s national health coverage program, or Medicaid. Medi-Cal information, including eligibility categories, can be found here.
If you have questions about Medi-Cal, contact the San Bernardino County Office of Health and Human Services: https://www.dhcs.ca.gov/services/medi-cal/Pages/CountyOffices5.aspx.
If you have questions about the Student Health Insurance Plan or the health insurance verification process, contact AHP Insurance Service at (844) 408-3788.
If you have any general questions or concerns, please contact Teresa Webster at Teresa_Webster@redlands.edu.
Frequently asked questions
- Compliance with the state and federal laws
- Annual deductibles: $250 in and out of network combined
- In-Network physician office visit $20 Copay then 100% Coverage
- Prescription drug coverage based on four tiers
- Behavioral Health Hotline and Telemedicine services included
Follow the "Waive or Enroll" button at the top of this page to waive or enroll in the student health insurance plan.
Once you are enrolled in the plan, you will receive an email notifying you that your ID card is available. To access your ID Card, visit www.wellfleetstudent.com.
Carry your ID card with you at all times! When you visit a physician’s office, urgent care, or hospital, you will need your card.
The enrollment process takes 7-10 business days. Insurance cards will be sent through email and available for download once the enrollment process is completed.
If you need medical treatment before you receive notice that your ID card is active, you can pay out of pocket and submit a potential reimbursement or contact AHA at (844) 408 3788.
- Physician visits and hospital charges paid at 80% of NC (after copay and deductible) for Cigna OAP services; or 60% of U&C for out-of-network services
- Emergency room
- Surgery, in-, and outpatient
- Tests, procedures, and lab services, such as X-rays
- Physical therapy, acupuncture, and chiropractic care
- Maternity and prenatal care
- Prescription drugs
- Limitations and exclusions may apply. Please see the Plan Summary available on AHA's website.
If you experience sickness or an injury, here are the places you should go to access care. Each option is discussed in detail on the following pages.
- Physician’s office for medical concerns and sick visits
- Urgent care center for non-emergency illnesses or injuries that need immediate care when the campus health center is closed
- Hospital, for a scheduled surgery or a medical emergency only
Fill your prescriptions at a Wellfleet Rx / ESI pharmacy. To locate a pharmacy, visit wellfleetstudent.com.
Points to consider:
- ALWAYS ask for the generic form of the drug, if available; this will decrease the cost.
- If you do not use a pharmacy that is part of the Wellfleet Rx / ESI network, you must pay in full and send a claim for reimbursement.
- Download a prescription claim form at 4studenthealth.com/redlands under Pharmacy in the USE YOUR INSURANCE section.
Send all receipts with the completed claim form to the address on the form. You will be reimbursed 60% of actual charges of the medication, less the applicable copay. Make copies of all receipts for your records before you mail them.
If a student outside the local area is currently covered, for example, under a family member’s employer plan, we strongly encourage contacting the provider to confirm the depth and breadth of coverage in southern California and/or to inquire about extending coverage to San Bernardino County and surrounding areas. For example, Kaiser Permanente customers have found some coverage is regional and therefore does not include health care facilities in the area surrounding the Redland’s campus.
Some students may qualify for health insurance coverage through Medi-Cal, California’s part of our national health coverage program, Medicaid. Medi-Cal information, including eligibility categories, can be found here.
If you have questions about Medi-Cal, you should contact the San Bernardino County Office of Health and Human Services: https://www.dhcs.ca.gov/services/medi-cal/Pages/CountyOffices5.aspx.
Your coverage will be waived for the semester while you study abroad. However, it's important to note that you won't have domestic coverage within the United States during this time. If you require health insurance before or after your study abroad experience, you'll need to manually enroll in the Student Health Insurance provided by the university.
Watch for an email from noreply@ahpcare.com containing a link to enroll with AHP (Redlands Student Health Insurance). If you already have health insurance, simply disregard the email.
For students participating in Direct Enroll and Exchange programs, as well as SFS(School for Field Studies) programs, enrollment in International Health Insurance is automatic. However, for other program providers, you will be billed and enrolled separately in their International Health Insurance. Please note that this insurance exclusively covers you while you are abroad. We encourage you to contact the Study Away office directly for assistance if you have any inquiries.