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Point Park University understands the importance of maintaining good health while you attend college, and we make it a priority that our campus be a place that is as beneficial to student bodies as it is to student minds.

For care involving the treatment of minor illnesses and injuries, the University maintains the Student Health Center and the University Counseling Center on campus. However, we realize that more serious medical situations may require care beyond the capabilities of on-campus health services - costly care such as emergency department visits, surgery, hospital stays and therapy visits. Without insurance, a serious illness or injury can result in bills totaling thousands of dollars that could place serious financial roadblocks in the way of a college education.

To safeguard against this type of situation, the University partners with Highmark Blue Cross Blue Shield. This partnership offers a student health insurance plan (SHIP) that is not only affordable and easy to use, but includes benefits that far surpass those typically found in student insurance plans, including:

  • Preventive care
  • Coverage for injuries, including sports and exercise injuries
  • Online tools to help you make informed care choices
  • In-network and out-of-network coverage

We encourage you to consider the University's SHIP as a means of protecting yourself and your loved ones against unexpected medical expenses that could temporarily - or permanently - interrupt your college career. 

The following mandatory students are required to have health insurance that meets University requirements:

  • Athletes
  • International students
  • Dance and theatre majors (all concentrations)

Mandatory students automatically have the cost of the SHIP added to their Point Park student account, with half of the full-year rate charged to each of the fall and spring semesters.  Students entering the University in the spring semester, or only registered for spring (not fall), are charged the spring-only rate for that semester.

Mandatory students who do NOT want to enroll in the SHIP:

  • Must have insurance that fully meets all University requirements, AND
  • Must successfully submit their online request to waive the SHIP every academic year they are mandatory, AND
  • Must have the waiver approved by the waiver deadline.
  • Students who miss the deadline will be enrolled in the SHIP for the full academic year and the charge will remain on their student account.
  • No late waivers or early termination requests are accepted unless there is a qualifying life event. 

Mandatory students who DO wish to enroll in the SHIP:

  • Students are encouraged to enroll in the SHIP as soon as possible so they have access to coverage as early as August 1st when the plan year begins.
  • Do not wait for enrollment by the University; this will not take place until after the waiver period closes in mid-September.
  • SHIP costs for mandatory students are billed and paid through the student’s Point Park student account.
  • Students must re-enroll each academic year they wish to continue coverage in the SHIP; renewal is NOT automatic.
  • See SHIP Enrollment for more information.

While the University recommends that all students have health insurance, voluntary students are not required by the University to show proof of insurance and do not submit the online request to waive the SHIP.

  • Any student who is not mandatory for insurance, is voluntary
  • See Mandatory vs. Voluntary Status.
  • Voluntary students may enroll in the SHIP but are not required to do so. 
  • See SHIP Enrollment for more information.
  • The SHIP waiver process is not the same as providing an insurance card or information to the Athletics Department or the athletic trainers as part of the medical information required for participation in the student’s sport.
  • International athletes must use the athlete enroll/waive portal, NOT the dance/theatre/international portal.

All students (mandatory and voluntary) are sent a email with general information about SHIP enrollment and waiver so that students are aware of the plan, options, and possible responsibilities.

Students who receive correspondence containing information specifically related to mandatory students need to be aware the University has classified them as mandatory for insurance, even if they do not believe they are mandatory, and they need to take action.

If a student believes they have been incorrectly classified as mandatory or voluntary, it is their responsibility to notify Haylor in writing via email and explain why they believe they have been incorrectly classified.  This should be done as soon as possible so there is sufficient time for the information to be reviewed and to allowed for the completion of the enrollment or waiver process by the applicable deadline if it is determined the student is mandatory.

Point Park University has purchased an athletic and performing arts accident insurance policy that  provides secondary insurance coverage for accidents incurred by student athletes and performing artists (dance and theatre majors--all concentratioans) while participating in official University-sponsored athletic or performing arts events. Coverage is not provided for illness, pre-existing conditions, or non-athletic/performing arts-related injuries.

There is no additional cost for this coverage, and there are no enrollment forms to complete; however, in order to be eligible for this secondary accident insurance coverage, the student must meet the following criteria:

  • The student must be enrolled in the University's student health plan, or
  • The student's request to waive the student health plan must be approved for the current academic year.

Students who do not meet the above criteria are not eligible for the secondary accident insurance coverage.

It is important to note that due to the policy's deductible and limitations, it may not provide full reimbursement for all out-of-pocket expenses, especially for those students with high-deductible health insurance plans.

Injuries are reported to, and claims are handled by, the Athletic Training Office located on the first floor of the Student Center. Other questions regarding this coverage should be directed to the Office of Student Affairs.

The official method of communication with students is via Point Park email.  It is the student's responsibility to make sure their email is working, check their email on a regular basis, and respond or take action as appropriate.

For Point Park email issues contact the Technology Helpdesk; see below For Additional Assistance.

SHIP Enrollment

Students are eligible to participate in the University's SHIP if,
  • They are registered for classes during their participation in the plan (summer classes not required), and
  • They are enrolled in a degree-seeking program, and
  • They are considered to be attending full-time for their program, OR
  • They are required to participate in the SHIP due to mandatory insurance status and are unable to successfully waive (decline) the SHIP.
Dependents (spouse, children, etc.) of eligible students are also eligible to enroll in the plan; the student must also enroll in the plan.  See the benefit book for dependent qualification.
SHIP Coverage Dates and Enrollment Deadlines
Term Student Type Coverage
Dates
Enrollment
Deadline

Full Year
(12 Months)

Students registered with the University for the Fall 2020 semester

Aug. 1, 2020
to Jul. 31, 2021

Sep. 30, 2020

Spring-Only
(6 Months)
New students entering the University in the Spring 2021 semester Feb. 1, 2021
to Jul. 31, 2021
Jan. 31, 2021

Late Enrollment Requests (enrollment after the deadline): Late enrollment requests will be accepted when related to a qualifying life event that causes an involuntary loss of insurance coverage.  Enrollment in the plan must take place within 30 days of the qualifying life event.  Proof of the qualifying life event will be required. Please direct late enrollment requests to student@haylor.com

Early Termination Requests (before July 31): The SHIP is a term insurance policy. Once enrolled in the plan, students are required to remain enrolled until the end of the plan year (July 31), unless there is a qualifying life event. Students requesting termination because of a qualifying life event must do so in writing within 30 days of the qualifying life event. Proof of the qualifying life event will be required. Please direct early termination requests to student@haylor.com.

SHIP Costs
Coverage Type Full-Year
(12 Months)
Spring-Only
(6 Months)
Student $1,564.32 $   782.16
Student + One Dependent $3,128.40 $1,564.20
Student + Children $4,692.72 $2,346.36
Student + Spouse + Child $4,692.72 $2,346.36
Family (must include student) $6,256.92 $3,128.46

 

Students who ARE required to have health insurance (mandatory students) automatically; have the cost of the SHIP added to their Point Park student account, with half of the full-year rate charged to each of the fall and spring semesters; Students entering the University in the spring semester are charged the spring-only rate for that semester; Payment is made through Point Park' Office of Student Accounts.

Students who are NOT required to have health insurance may choose to voluntarily enroll themselves and their dependent(s) in the SHIP.

  • Payment for the full year (12 months) is required at the time of enrollment by credit card.  Haylor accepts MasterCard, Visa, and Discover.
  • To use financial aid to pay for coverage, send an email request to Haylor before enrolling. 
    • Requests are reviewed for availability of financial aid funds.
    • If approved, the cost of insurance is billed to the Point Park student account, with half of the full-year rate charged to each of the fall and spring semesters (same as mandatory students).
    • Payment is made through Point Park's Office of Student Accounts.
    • Once this option is elected, it cannot be changed until the next academic year. 
    • Use of financial aid must be requested and approved each academic year.

SHIP Enrollment is coordinated by Haylor, Freyer & Coon Inc.

Please direct all questions regarding enrollment to Haylor.  See below For Additional Assistance.

Continuing coverage from year to year

Students must re-enroll in the SHIP every academic year in which they wish to participate.  Auto-renewal of coverage is NOT automatic from year to year.

How long does enrollment take?

  • Once Haylor, Freyer & Coon Inc. receives a complete enrollment application it generally takes 2-3 business days to be enrolled in the plan.
  • It may take an additional 24-48 hours from the time of enrollment for all benefits to be fully activated in Highmark's system.
  • Students will receive an auto-generated email confirmation that their application was received.
  • Haylor will follow up with another email that will including plan information and a copy of the ID card, once the application has been successfully processed.
  • Until the application is successfully processed, check email regularly for any requests for additional information.  Failure to respond to a request for information will result in a delay or inability to complete the student's enrollment.

Which address should be used on the enrollment application?

  • This is the address to which Highmark (insurance company) will send the insurance card and any other SHIP correspondence.
  • If the student's permanent home address is used, and the student does not live at that address during the school year, mail will need forwarded to the school address.
  • If the student's school address is used, the student will need to remember to submit a mail forwarding/change request either with the Office of Student Life if living on campus, or the US Postal Service if living off campus, at the end of the school year or anytime there is a change of address.

Make note of the information provided during enrollment, especially if you plan to use Highmark's online or mobile websites, as their site registration process requires some information to match the information in their enrollment records.  See Website Registration for more information.

  • Mandatory students are encouraged to enroll in the SHIP as soon as possible so they have access to coverage as early as August 1st when the plan year begins.
  • Do not wait for enrollment by the University; this will not take place until after the waiver period closes in mid-September.
  • SHIP costs for mandatory students are billed and paid through the student's Point Park student account.
  • To enroll, choose the appropriate (Athlete or Dance/Theatre/International) Waive or Enroll portal link at the bottom of Haylor's website. Once logged into the portal, the option to enroll or waive will be presented. Complete and submit the enrollment application. No payment is due at the time of enrollment (see above). See also Important Enrollment Notes.
  • International athletes need to use the Athlete Waive or Enroll portal.
  • Students must re-enroll each academic year to continue coverage with the SHIP; renewal of coverage is NOT automatic from year-to-year.
  • Voluntary students may enroll in the SHIP but are NOT required to do so.
  • Payment for the full year (12 months) is required at the time of enrollment by credit card.
  • To use financial aid to pay for coverage, send an email request to Haylor before enrolling.
    • Requests are reviewed for availability of financial aid funds.
    • If approved, the cost of insurance is billed to the Point Park student account.
    • Once this option is elected, it cannot be changed until the next academic year.
    • Use of financial aid must be requested and approved each academic year.
  • To enroll, choose the (Fall/Spring) Voluntary Student Enrollment portal link at the bottom of Haylor's website. Complete and submit the enrollment application.  See also Important Enrollment Notes.
  • Students must re-enroll each academic year to continue coverage with the SHIP; renewal of coverage is NOT automatic from year-to-year.
  • Haylor will email SHIP information and a copy of the ID card once the complete enrollment application is received and processed.
  • It takes about 7-10 days to receive the physical ID card in the mail at the address used on the enrollment application.
  • Through Highmark's website, as soon as enrollment is active,*
    • View the virtual ID card
    • Request a new (physical) card
    • Fax a copy of the card from Highmark's site; for example, to a healthcare provider's office.
*See Related Links for Highmark Member Portal Registration.

To register for an account in Highmark Blue Cross Blue Shield's member portal, go to the website and click on Register (see also Related Links for Highmark Member Portal Registration).  Note the following:

  • Member ID: Enter Highmark ID number (numbers only; no letters or spaces) or Social Security Number.
  • International students without a Social Security Number will need to have the Highmark ID number.
  • Student's first and last names, date of birth, and address need to match enrollment information.
  • Email address and phone number do not need to match enrollment information.

Website Registration Problems?

If at least two business days have passed since second confirmation email was received from Haylor (containing copy of insurance ID card), and the registration is still unable to be completed,

  • Student is either not enrolled or enrollment is not active in Highmark's system, or the registration information entered does not match Highmark enrollment records.
  • First, contact Haylor to verify enrollment is active and information in Highmark's system is correct; then if still unable to complete online registration,
  • Request assistance from Highmark at 1-866-306-1059. This number cannot assist with enrollment, termination, benefits, or claims.

SHIP Waiver

SHIP Waiver Deadlines
Student Type Waiver Deadline
Students registered with the University in the fall semester Sep. 15, 2021
New students entering the University in the spring semester Jan. 15, 2021

Before submitting the waiver make sure the student's insurance plan meets all applicable requirements below. Benefit information is normally available through the insurance company or human resources department website, or by phone request. A Summary of Benefits and Coverage (SBC)  (see Related Links for sample) or other similiar document will usually provide the information needed.  

Waiver information and insurance coverage is subject to verification.  If a waiver fails to meet the requirements, it will be denied. Denied waivers that are unable to be resolved will result in the student being enrolled in the SHIP for the academic year and the charge also remaining on the student's account for the year.

By submitting a waiver, the student is accepting full financial responsibility for any medical expenses they may incur while enrolled at the University.

Requirements for International Students

  • Insurance provided through the Saudi Cultural Mission (SACM), OR
  • ISO Compass Gold or Compass Silver plans (not acceptable for international athletes), OR
  • An insurance plan that meets Requirements for All Mandatory Students (below)
  • If you are also an athlete, dance major, or theatre major you must also meet those requirements

Requirements for Athletes

  • Insurance must cover injuries sustained in the practice or play of intercollegiate sports without limitation, AND
  • Insurance must be able to pay primary to University-provided accident insurance, AND
  • Insurance must meet Requirements for All Mandatory Students (below)

Requirements for Dance and Theatre Majors (All Concentrations)

  • Insurance must cover injuries sustained during rehearsals and performances without limitation, AND
  • Insurance must be able to pay primary to University-provided accident insurance, AND
  • Insurance must meet Requirements for All Mandatory Students (below)

Requirements for All Mandatory Students

  • Insurance company must pay claims directly to healthcare providers
  • Insurance company must pay claims in US Dollars
  • Insurance policy documents must be available in English
  • Coverage must be effective no later than the waiver deadline and remain active through July 31 (no short-term policies)
  • If plan has a deductible (not the same as a copay), it must be no more than $5,000 per policy year
  • Plan must include coverage for pre-existing conditions with no waiting periods or limitations
  • Plan must include coverage in the Pittsburgh area for all services the University requires to be covered (emergency or urgent care-only coverage does not meet this requirement)
  • Plan must include coverage for all of the following services:
    • Hospital inpatient and outpatient, emergency room, and urgent care services
    • Physician services (routine and specialist)
    • Diagnostic services such as laboratory, pathology, x-ray, MRI, CT scan, etc.)
    • Physical therapy
    • Emergency transport (ambulance)
    • Prescription medicines

The University's SHIP waivers are coordinated by Haylor, Freyer and Coon, Inc. 

Please direct all questions regarding SHIP waiver to Haylor.  See below For Additional Assistance.

Students who are NOT required to have health insurance (voluntary students) do not submit a request to waive the SHIP.  A voluntary student who has believes they have been incorrectly classified as mandatory and charged for the insurance needs to take action.  See above Mandatory vs. Voluntary Status.

Students who ARE required to have health insurance per University policy (mandatory students) automatically have the cost of the SHIP added to their Point Park student account, with half of the full-year rate charged to each of the fall and spring semesters.  Students entering the University in the spring semester are charged the spring-only rate for that semester.

Mandatory students who do NOT wish to enroll in the SHIP:

  • Must have insurance coverage that fully meets all applicable University requirements, AND
  • Must successfully submit their online request to waive the SHIP every academic year they are mandatory, AND
  • Must have the waiver approved by the waiver deadline.
  • Students who miss the deadline or whose request is denied and cannot be resolved will be enrolled in the SHIP for the full academic year and the charge will remain on their student account.
  • No late waivers or early termination requests are accepted unless there is a qualifying life event.

How do I submit the waiver?  See below Waiver Portal.

Waiver processing time: It takes from 3-10 days from the time the waiver is successfully submitted (email confirmation is received). If additional information is needed to process the waiver the student will receive additional email correspondence. Not responding to a request for information can result in delay or denial of a waiver request. The student account may be viewed online to see if the the charge has been credited.  See below After Submitting the Waiver, and Waiver Denial.

Before proceeding to the Haylor's website read all waiver information in order to fully understand the deadlines, requirements, how to use the portal, what happens after the waiver is submitted, and what to do when encountering a problem.

  • Choose the appropriate (Athlete or Dance/Theatre/International) Waive or Enroll portal link at the bottom of Haylor’s website.  Once logged into the portal, the option to enroll or waive will be presented.
  • International athletes must use the Athlete waiver/enrollment portal. 
  • Login with student’s last name and Point Park student ID number.
  • To be able to login the student mut be registered for classes, and the health insurance charge must be on the Point Park student account
  • Answer all questions, upload a copy of the front and back of the insurance card or other comparable document, and submit the waiver.

An auto-generated email confirmation is sent upon successful submission of the waiver.  If no email confirmation is received (after checking spam/junk box), resubmit the waiver.

Waiver information and insurance coverage is subject to verification.  It is the student’s responsibility to check their email, including the spam/junk box, on a regular basis for additional information requests until the waiver is approved or denied.

If the waiver is approved, Point Park will be notified via weekly update, and the student account will be credited. It is the student’s responsibility to check their University student account to make sure they’ve received the credit.

Once the waiver is approved and the credit has posted, the waiver process is completed for the academic year. A new waiver needs to be submitted for any future years the student is mandatory and does not want to enroll in the SHIP.

Problems Logging Into The Waiver Portal

  • Allow enough time for the student’s information to be captured during the weekly update. Weekly updates are normally processed on Fridays, with portal access the following Monday or Tuesday. Examples:
    • Class registration on Thursday: Student is added to portal with the next day’s update (on Friday) and portal will be accessible the following Monday or Tuesday.
    • Class registration on Friday: Student is added to the portal with NEXT Friday’s update and portal will be available the Monday or Tuesday after that.
  • Make sure to use the correct portal at the bottom of the page on Haylor's website. 
  • Do not try to login to the website using the Client Login in the upper right corner of the page.

Problems Submitting the Waiver

  • Make sure every question is answered, even if it does not apply.
  • Example: if you do not have Medicaid, choose NA.
  • If your insurance company is not in the list of insurance companies, choose "Not on the list." Choices such as these may be at the beginning or end of the list, or may be alphabetical.
  • A digital copy of the front AND back of the insurance card (or equivalent information) must be provided as part of the waiver process. Providing a copy of only one or the other could cause a denial of your waiver.

Problems After Submitting the Waiver

  • If 10 business days have passed since receiving the confirmation email from Haylor and the insurance charge credit has not posted to the student account, check for additional email correspondence from Haylor which could include:
    • A request for additional information needed to verify waiver information and/or insurance benefits
    • Waiver denial
  • If no additional email correspondence was received, follow up with Haylor by forwarding the confirmation email to student@Haylor.com and request a status update. 
  • If no confirmation email was received, resubmit the waiver.

If the request to waive is denied, the decision may be appealed before the waiver deadline by forwarding the denial email to student@Haylor.com. Include an explanation and documentation that supports the appeal.

Denials that are unable to be resolved by the waiver deadline will result in the student being enrolled in the SHIP for the full academic year and the cost of the SHIP will remain on the Point Park student account for the full academic year as well.

No waivers or appeals will be accepted beyond the posted deadlines.

For Additional Assistance

Haylor, Freyer & Coon Inc.
Assistance with SHIP waiver and enrollment
Phone: 1-866-535-0456
Email: student@haylor.com

Highmark Blue Cross Blue Shield
Assistance with benefits & claims questions for enrolled students
Not Enrollment or termination
Phone: Call the number on the back of the insurance card
Website: HighmarkBCBS.com

Student Accounts
Assistance with Point Park student account questions or payment
Not SHIP enrollment or waiver
Phone: 412-392-3424
Email: studentaccounts@pointpark.edu
Website: Office of Student Accounts

Technology Helpdesk
Assistance with Point Park email, PointWeb, Schoology, etc.
Not SHIP enrollment or waiver
Phone: 412-392-3494
Email: helpdesk@pointpark.edu
Website: Technology Helpdesk