Student Health Insurance FAQs
Q: Do I have to purchase the Academic Health Plans insurance?
A: No, you do not have to purchase the Academic Health Plan's insurance. We do recommend
that you have health insurance of some type and once you begin clinical rotations
of any type you will be required to have insurance. This plan is just offered as an
option for students.
Q: Can I purchase a plan for my spouse or dependent(s)?
A: Yes, Academic Health Plans offers plans for your spouse and dependents.
Q: Where do I sign up for the AHP plan?
A: You can visit the AHP enrollment page at https://ttuhsc.myahpcare.com/enrollment to purchase a plan for yourself, your spouse, and any dependents.
Q: When can I sign up for the insurance plan?
A: There are specific enrollment periods for each of the coverage periods (Annual/Spring
only/Fall only/Summer). You can visit the AHP website to see the specific enrollment
Annual coverage: June - 2nd week of September
Fall Semi-Annual coverage: June - 2nd week of September
Spring Semi-Annual Coverage: December - March
Summer Open Enrollment: May - June
Q: What is the cost of the insurance plan?
A: The cost for the plans is below.
Student & Spouse
Student & Child
Student, Spouse & Child
Q: Do I have to pay it all up front or is there a payment plan option?
A: You have two options for payment when purchasing the AHP insurance plan. You can
either pay the full amount at the time of enrollment, or you can do a monthly auto-draft
from your banking account. The monthly installment plan requires payment of 2 month's
premiums (first and last) at time of enrollment.
Q: I missed the enrollment period, but no longer have health insurance and would like
to purchase the plan. What can I do?
A: If you have lost health insurance coverage after an enrollment period has closed,
you are eligible to file a "Qualifying Event" application for coverage. You will need
to provide a letter from your previous health insurance provider stating the specific
date when your coverage ended.
Other qualifying events include but are not limited to:
- Birth or adoption of a child
- Loss of a spouse, whether by death, divorce, annulment or legal separation
Q: What is the coverage period for the plan?
A: Annual coverage: 8/1 - 7/31
Fall coverage: 8/1 - 1/31
Spring/Summer coverage: 2/1 - 6/30
Q: Am I covered if I travel in the United States, or abroad?
A: Yes. The student health insurance plan gives you access to Academic Emergency Services
(AES), which provides you with coverage if you are over 100 miles from home, or are
outside your home country. AES offers a wide range of services and benefits, such
as help with finding an adequate doctor in an unfamiliar location and getting a prescription
when away from home. They also can provide assistance with getting a family member
or friend to you if you are hospitalized, or getting you home if you have an illness
or death in the family.
Q: What should I do if I am sick?
A: If you are sick while at school, you can visit the clinic which your campus has
contracted with for a $10 copay. Distance learning students who have the AHP insurance
plan may visit a clinic/urgent care center in their nearby vicinity. If you are experiencing
a life threatening illness or emergency, please visit the Emergency Room at the hospital
closest to you.
Q: How can I make sure that a doctor/hospital/urgent care center are covered by my
A: It is very important to make sure when you are visiting a doctor, hospital, or
urgent care clinic that they accept Blue Cross Blue Shield and are also in network
with your plan. To check you can call the office of the location you are visiting
and ask them if they take Blue Cross Blue Shield PPO insurance and if they are in
network. You can also visit ttushc.myahpcare.com to utilize their "Find a Doctor or Hospital" tool under benefits; this tool allows
you to search a list of network providers near you.
Q: What services are NOT covered by this plan?
A: The AHP insurance plan does NOT cover the following (This is not a complete list.
Check your policy or plan document for other excluded services.):
- Bariatric surgery
- Cosmetic surgery (limited covered services)
- Infertility treatment
- Long-term care