Health Plan FAQs

What are the dates when I can enroll in the Ochsner Clinical Student Health Plan?

Open Enrollment begins 11/5/19 and will close 12/3/19, or your program orientation start date, whichever is later. You can enroll online through the button at the top of this page.

What is the deadline to petition to waive out of the Ochsner Clinical Student Health Plan?

The waiver petition deadline is 12/3/2019. If you have other coverage that meets school requirements, you must submit a petition for a waiver through the button at the top of this page by the deadline. Please remember that the coverage offered through Ochsner is typically less expensive and higher quality than most plans available on the open market

Am I required to have insurance?

All students enrolled in the Ochsner MD Program are required to maintain health insurance coverage and are eligible to enroll in the Ochsner Clinical Student Health Plan. You are required to enroll each year you are enrolled in your graduate academic program, so you will repeat this process next year if you have not graduated.

Do I have to enroll in the Ochsner-sponsored plan?

If you do not petition to waive out of the student health plan with proof of other valid coverage by the waiver deadline specified in the chart, you will be automatically enrolled in the Ochsner Clinical Student Health Plan.  Approval or denial of waiver petitions are ultimately at the school’s discretion. Ochsner Clinical has worked to provide a plan that offers high quality health benefits to our students at costs which are typically much lower than those of other plans offered on the open market.

I have other coverage. Is it considered a “valid waiver”?

Students may petition to waive the student health insurance plan if the following criteria are met:

  • The policy is compliant with all minimum coverage requirements per U.S. healthcare reform law, the Patient Protection and Affordable Care Act (PPACA). Please contact your medical insurance carrier to confirm this.

  • The plan provides both emergency and non-emergency health care and mental health benefits within a 25-mile radius of Ochsner Clinical in the New Orleans, LA area.

  • The plan provides inpatient and outpatient mental health care (with at least 30 visits per year) and chemical dependency benefits are comparable to the coverage provided by the student medical insurance plan.

  • All students enrolled in the the Ochsner MD programs are required to maintain health insurance coverage and are eligible to enroll in the Ochsner Clinical Student Health Plan. You are required to enroll each year you are enrolled in your graduate academic program, so you will repeat this process next year if you have not graduated.

  • The plan provides coverage for prescription medication.

  • The lifetime benefit is unlimited.

  • The claims administrator of the plan is based in the United States and has a U.S. telephone number and address for submission of claims and the insurance policy has not been issued outside the U.S. Traveler's policies do not meet the requirements of a valid waiver and will not be accepted.

Please contact your medical insurance carrier to confirm that your insurance covers non-emergency care in the New Orleans, LA area and that you have a deductible small enough to allow you to afford your portion of the bill.

Please note that all waiver requests will be reviewed by a Student Health representative.  If the waiver submitted does not meet the waiver criteria, you will be enrolled in the student health plan. It is ultimately the responsibility of each student whose petition is granted to waive out of the Ochsner Clinical Student Health Plan to ensure that their coverage meets the above requirements. Neither Ochsner Clinical nor Ochsner Clinical’s insurance broker Marsh & McLennan Agency assume any liability in the event that a waiver that does not meet the listed requirements gets approved.

What do I do if I need coverage between now and 1/1/2020?

You can explore short-term and limited health insurance options, as well as traveler policies, here. Please understand that these kinds of policies DO NOT fulfill the valid waiver requirement or the minimum coverage requirements of the Affordable Care Act.  These are offered as a convenience to you, but they do not satisfy the health insurance requirement of your school.

How do I compare policies available on the marketplace with this policy?

Other ACA-compliant plans are available; click here to explore other options. Please make sure any plan you purchase meets the waiver requirements listed above.  If you purchase a plan this way, you must still fill out the petition to waive coverage.  Please note that all waiver requests will be reviewed by a Student Health representative.  If the waiver submitted does not meet the waiver criteria, you will be enrolled in the student health plan. It is ultimately the responsibility of each student whose petition is granted to waive out of the Ochsner Clinical Student Health Plan to ensure that their coverage meets the above requirements, so please review the waiver requirements above on this page to make sure any alternative plan you are considering purchasing meets all of these requirements prior to purchase.  Neither Ochsner Clinical nor Ochsner Clinical's insurance consultant Marsh & McLennan Agency assume any liability in the event that you purchase non-compliant coverage through this site. You can guarantee you have coverage that fulfills your school's requirements by enrolling in the Ochsner Clinical Student Health Plan.

I currently have other coverage but I want to replace it with this policy. How do I do that?

Simply contact your current insurance carrier with a cancellation request noting the date your new coverage is effective. Carriers’ policies vary on how much notice is required.

How and when do I pay for this coverage?

  • You will be pay via debit or credit card online at the time of enrollment

  • If you need to pay by check, please contact OchsnerStudentInsurance@marshmma.com for a paper enrollment form to mail with a check to:

    Marsh & McLennan Agency
    Attn: Emily Ciuffetelli
    2301 Sugar Bush Rd.
    Suite 600
    Raleigh, NC 27612

  • Check will be made payable to WellFleet Insurance

What if I have insurance that will end later in the school year, or I have a Qualifying Event like getting married, having a baby, or turning 26?

A Qualifying Event (QLE) is a special circumstance that allows you to enroll in an insurance plan outside of the normal open enrollment window. You can enroll in the student health plan later in the school year by notifying the University of your Qualifying Life Event. If you are just enrolling yourself as a student, you will need to provide documentation to the school showing your loss of coverage which, if approved, they will send on to Marsh & McLennan Agency to get you enrolled with the carrier. Please contact OchsnerStudentInsurance@MarshMMA.com to begin this process. If it is determined that you are eligible for coverage, Marsh & McLennan will provide your information to WellFleet Insurance for enrollment in the student health plan. The premium charged for your benefit will be pro-rated at a monthly rate according to how much of the plan year has elapsed prior to your enrollment and how many months remain until the next open enrollment window.

Are there any other insurance benefits I can take advantage of as a student?

Yes – you can enroll in discounted dental, vision, life, disability, critical illness, accident, and home, renters, & auto insurance here .

What do the terms deductiblecoinsuranceout-of-pocket limit, and copay mean?

A deductible is a dollar amount you must meet before your insurance begins to pay for covered services. After the deductible is satisfied, you pay a certain percentage of costs, or coinsurance, until you reach the out-of-pocket limit.

You must pay all of the costs up to the deductible amount before the plan begins to pay for covered services you use. After you meet the deductible, you pay a certain percentage of costs (coinsurance) up to the out-of-pocket limit. After this amount, the plan pays 100% of your medical costs. The deductible and coinsurance are often waived for certain medical services, such as office visits and prescription drugs; in these instances, you simply pay a flat dollar amount, called a copay.

More Questions?

Contact our insurance broker at OchsnerStudentInsurance@MarshMMA.com