Understanding Health Insurance
Health insurance can make medical and mental health care more affordable and provides important financial protection when unexpected health needs arise.
Benefits of having health insuranceDepending on your plan, insurance can help you:
- Pay for doctor visits, mental health care and other covered services
- Access preventive health services
- Pay for prescription medications
- Access a network of doctors, therapists, specialists and hospitals
- Reduce your financial exposure if you experience a serious illness or injury
UT San Antonio Student Health Insurance
The University of Texas System is pleased to offer a Student Health Insurance Plan administered by Academic HealthPlans and underwritten by AcademicBlue by Blue Cross and Blue Shield of Texas. Students eligible for UT San Antonio's student health insurance can find plan information through Academic HealthPlans (AHP).
The Academic HealthPlans site provides information about the AcademicBlue Student Health Plan, including plan benefits, enrollment and costs, waiver information, behavioral health resources, insurance ID cards, claims and in-network providers. Always review the current plan information for eligibility, enrollment periods, coverage and costs.
The student-focused plan protects students at school, at home, and while traveling or studying abroad. For more information about the plan, enrollment and process, visit the AcademicBlue plan's website.
To speak to an Academic HealthPlan representative call (855) 247-7587.
Other Insurance Options
Texas residents can also explore individual health coverage through the federal Health Insurance Marketplace at HealthCare.gov.
You may also be able to enroll outside the annual Open Enrollment period if you qualify for a Special Enrollment Period because of certain life events, such as losing qualifying health coverage.
When comparing plans, look beyond the monthly premium. Consider:
- Premium: what you pay each month for coverage
- Deductible: what you may pay before the plan begins paying for certain services
- Copays and coinsurance: your share of the cost when you receive care
- Out-of-pocket limit: the maximum you may be responsible for paying for covered in-network services during the plan year
- Provider network: the doctors, counselors, specialists, hospitals and other providers participating in the plan
- Prescription coverage: whether your medications are covered and what they may cost
- Mental health benefits: coverage and provider availability for counseling, psychiatry and behavioral health services
Tip: Don't wait until you need care to learn about your insurance. Knowing your benefits, network and expected costs ahead of time can make navigating care easier.
