Welcome to Fuller Theological Seminary Student Health Insurance

As a part of Fuller Seminary’s commitment to fostering a healthy community, Fuller offers a medical and dental plan to students in order to maintain basic health coverage, given minimum requirements are met. While enrollment is not mandatory for all students, a select few academic programs do have mandatory requirements for students to maintain basic health coverage.

Students required to meet this requirement can do so by purchasing health insurance through Fuller’s Student Health Insurance (SHI) office OR by completing an online waiver and demonstrating proof of comparable health insurance once per academic year. This excludes F1 or J1 International students.

Enrollment in the student health insurance plan is processed each quarter online at the time of class registration in the Register For Classes Module located on the Current Students Homepage. Students complete course enrollment and then click on STEP 4 to enroll in the SHI plan or Waive Out of the plan.

Fuller’s Health Insurance Policy

Enrolling In The Plan

Enrolling in the Fuller-sponsored plan is not mandatory for Domestic students. However, the following students are required to enroll in the plan or provide proof of comparable coverage by completing an online waiver:

Ph.D. Level Students
School of Psychology Students-Pasadena campus only
F1 & J1 International Students (online waiver is not available to International students)

Students who are required to enroll in the SHI plan and fail to enroll by the waiver deadline date will be default enrolled, and their student account will be charged the appropriate SHI fee.

Masters-level students and students enrolled in other advanced degree programs are eligible to enroll in the medical plan as long as the 8 unit course requirement and Southern California residency requirement is met.

International Student Health Insurance Policy
Fuller requires F1 and J1 students to maintain medical insurance while enrolled at Fuller, regardless of the number of units enrolled in or if taking a vacation quarter.

International students not required to enroll in the plan include:

Students when outside of the U.S.
Students completing OPT
Students with a terminated I-20
Students enrolled in a low-residential program (for these low-residential programs, purchasing a travel plan for emergencies is strongly recommended)

*Due to COVID-19, Aetna Insurance is temporarily offering student health insurance coverage to all Fuller students who meet the 8-unit per quarter course requirement for the 2023-2024 academic year. This includes online-only students and domestic students that reside outside of Southern California but this is subject to change each academic year. Out-of-state domestic residents interested in enrolling in the plan should contact the Student Health Insurance Department at [email protected] to complete the enrollment application. Please note the out of state coverage is subject to change as determined by Aetna Insurance.

Enrollment Deadline Dates
Fall - 09/30/23
Winter - 01/05/24
Spring - 03/29/24
Summer - 06/21/24

Steps To Enroll In The Medical Plan

1. Access your fuller.edu student account
2. Click on CURRENT STUDENTS
3. Select CURRENT STUDENTS HOMEPAGE
4. Click on REGISTER FOR CLASSES module
5. Login to your Fuller student account
6. Click on STEP 4
7. Select Term (eg FALL 2022)
8. Select I want to purchase Fuller's student health insurance provided by AETNA PPO INSURANCE
9. Check box agreeing to be enrolled in the plan and to have SHI fees charged to your student account.
10. You will receive a confirmation email of your enrollment within 5 to 7 business days.

Steps To Enroll In The Medical Plan

Steps To Enroll In The Medical Plan

Access your fuller.edu student account
Click on CURRENT STUDENTS
Select CURRENT STUDENTS HOMEPAGE
Click on REGISTER FOR CLASSES module
Login to your Fuller student account
Click on STEP 4
Select Term (eg FALL 2022)
Select I want to purchase Fuller's student health insurance provided by AETNA PPO INSURANCE
Check box agreeing to be enrolled in the plan and to have SHI fees charged to your student account.
You will receive a confirmation email of your enrollment within 5 to 7 business days.

Health Insurance Fee

The SHI fee must be paid in full by the 15th of the month the coverage begins. A $50 late fee will be added to account if fee is not paid in full.
The SHI fee is not eligible to be included with tuition payment plans.
- Fall Quarter - September 15th
- Winter Quarter - December 15th
- Spring Quarter - March 15th
- Summer Quarter - June 15th
Students enrolling after the 15th or who are Default enrolled in the plan must pay fees within 5 days of being enrolled in the SHI plan.
Students are allowed to apply the SHI fee charge directly onto their student account as long as the student meets the payment deadline.
Students who fail to meet the fee due date, and have charged their fee to their student account, will have a HOLD placed on their account, preventing enrollment in courses or SHI for subsequent quarters while attending Fuller.
International students are responsible to pay SHI fees regardless if self-enrolled or default enrolled into the SHI plan. Enrollment is a requirement to remain compliant with your I-20 agreement with Fuller unless the student leaves the States.

Waiving Out Of The Fuller Sponsored Plan

Online waivers are completed once per academic year during class registration. Once the waiver is submitted to Academic Health Plan, an online review of your plan benefits by a clearinghouse will be conducted to determine if your plan meets the requirements.

Students will receive an email from Academic Health Plan stating the waiver was Approved, Denied, or Pending additional information. This email should be saved for your records. If you do not receive an email your waiver has not been processed. If your waiver is marked pending you will need to follow the instructions to complete the waiver, otherwise, it will be considered Denied if not completed by the waiver deadline date.

Failure to complete a waiver or enroll will result in default enrollment into the Fuller sponsored plan and the student account charged the insurance fee.

The following students are required to complete an online waiver by the waiver deadline:

Ph.D.- Level Students - Southern California residents
School of Psychology Students - Pasadena campus only

Masters-level students, students enrolled in other advanced degree programs, and students residing outside of Southern California ARE NOT required to waive out of the plan.

Waiver Deadline Dates
Fall - 09/30/23
Winter - 01/05/24
Spring - 03/29/24
Summer - 06/21/24

Steps For Completing a Waiver

1. Access your fuller.edu student account
2. Click on CURRENT STUDENTS
3. Select CURRENT STUDENTS HOMEPAGE
4. Click on REGISTER FOR CLASSES module
5. Login to your Fuller student account
6. Click on STEP 4
7. Select Term eg FALL 2022
8. Click on “I have my own insurance selection”
9. Click on WAIVER REQUEST FORM
10. Log in to the Waiver site using your Student ID# GXXXXXXXX (include the G)
11. Password- is the students Date of Birth in MMDDYYYY format
12. Then follow instructions to waive out by selecting “Sign In”, Waive, then enter your insurance information. Students should be prepared to upload a copy of an insurance card. Cell phone photos are acceptable.

Steps For Completing a Waiver

Steps For Completing a Waiver

Access your fuller.edu student account
Click on CURRENT STUDENTS
Select CURRENT STUDENTS HOMEPAGE
Click on REGISTER FOR CLASSES module
Login to your Fuller student account
Click on STEP 4
Select Term eg FALL 2022
Click on “I have my own insurance selection”
Click on WAIVER REQUEST FORM
Log in to the Waiver site using your Student ID# GXXXXXXXX (include the G)
Password- is the students Date of Birth in MMDDYYYY format
Then follow instructions to waive out by selecting “Sign In”, Waive, then enter your insurance information. Students should be prepared to upload a copy of an insurance card. Cell phone photos are acceptable.

2023 - 2024 Fuller Student Health Insurance Plan Highlights

NEW Brochures will be available soon!

Academic Year Plan Coverage Dates
Fall - 09/20/23 - 12/19/23
Winter - 12/20/23 - 03/19/24
Spring - 03/20/24 - 06/19/24
Summer - 06/20/24 - 09/19/24

DOMESTIC STUDENTS

AETNA OPEN CHOICE PPO PLAN

PRINT INSURANCE CARD (Use G# to access card information)

Domestic Student Fee - $1,187.50

A $20.00 Administration fee will be applied to your student account when enrolling in the plan.

DEPENDENT ENROLLMENT

Domestic dependent coverage is not available.

Additional Domestic Student Plan Information

Create your online Aetna Domestic plan account.
“How To Use Your Aetna Insurance Plan"
Find an In-Network Doctor, Facility, or Pharmacy.
Behavioral Health Services information
Determine if Pre-Certification is required for a Medical or Behavioral Health service.
Maternity Benefit information
Telehealth Service information
Prescription information
Medical Claim Form (only needed for out-of-network providers)
Additional Resources and Forms
Common Plan Exclusions and Limitations

AETNA Open Choice PPO Plan Domestic Students Group Number: 686219
AETNA Open Choice PPO Plan Claim Address and Customer Service Phone #: 1-877-480-4161 (8AM - 8PM PT)

Aetna Health Insurance
P.O. Box 981106
El Paso, TX 79998
1-877-480-4161 (8AM - 8PM PT)

INTERNATIONAL STUDENTS

AETNA OPEN CHOICE PPO PLAN

PRINT INSURANCE CARD (Use G# to access card information)

Coverage Level and Price
Student Only - $755.50
Add Spouse- $755.50
Add 1 Child- $755.50
Add 2 or more Children- $1,511.00

All prices are per quarter for the academic year and a $20.00 administration fee will be added to the Student Only plan.

DEPENDENT ENROLLMENT

Fuller allows the enrollment of dependents by completing enrollment directly with Academic HealthPlans, Fuller's Plan Administrator. For a dependent to receive coverage, a student must first enroll in the plan and pay fees in full by the add/drop period of the quarter. Once payment verification is confirmed, Fuller will submit proof of student enrollment to Academic HealthPlans, and the dependent's enrollment can be processed. Students must pay health fees for dependents to Academic HealthPlans at the time of enrollment. The link to enroll a dependent is located on the Student Health Insurance enrollment tab or you can request enrollment once you have enrolled in the plan.

Once a dependent has been enrolled with Academic HealthPlans, all questions about a dependent's coverage or benefits will be directed to Academic HealthPlans. If you have any questions about the dependent enrollment process please email the Student Health Insurance office at [email protected].

Additional International Student Plan Information

Create your online Aetna International plan account.
“How To Use Your Aetna Insurance Plan"
Find an In-Network Doctor, Facility, or Pharmacy.
Behavioral Health Services information
Determine if Pre-Certification is required for a Medical or Behavioral Health service.
Maternity Benefit information
Telehealth Service information
Prescription information
Medical Claim Form (only needed for out-of-network providers)
Additional Resources and Forms
Common Plan Exclusions and Limitations

AETNA Open Choice PPO Plan International Students Group Number: 686224

AETNA Open Choice PPO Plan Claim Address and Customer Service Phone Number: 1-877-480-4161 (8AM - 8PM PT)

Aetna Health Insurance
P.O. Box 981106
El Paso, TX 79998
1-877-480-4161 (8AM - 8PM PT)

Aetna Plan Resource Information

Doctors: You may receive care from any doctor or hospital. But the Plan pays more — and you pay less — when you use an in-network doctor (see find a doctor above).
Routine Office Visits: When you go to an AETNA doctor for a routine office visit, you pay a copay. If you have additional care, such as lab work or x-rays, they will be subject to the plan’s deductible and coinsurance. Students should also confirm that services DO NOT require Pre-Certification for medical treatment.
Emergency & Urgent Care Services: Non-Emergency care in a hospital emergency room is not covered. Non- Urgent Care services in an urgent care are not covered.
Prescription Drugs: When you use an Aetna In-Network pharmacy, you will be charged the lesser of the drug cost or a flat copay as long as you use a contracted pharmacy.
Other Covered Services: You first pay an annual deductible (per person). Then the Plan pays their % when you use providers in the Aetna Open Choice PPO network.
Out-of-Pocket Maximum: Once your costs reach the annual out-of-pocket maximum, the Plan pays 100% for eligible services for the rest of the policy year.
FAQs: Frequently Asked Questions about the Aetna plan and Glossary of Terms.
Other Plan Offers: Discount services and offers with the Aetna plan.
Non-Discrimination Notice and Accessibility Notice
IRS Information: 1095 Statements sent to students for IRS FAQs for individual tax filers

Additional Travel Coverage for Domestic and International Students

Click here for information on the supplementary travel coverage included with your purchase of the Aetna Open Choice plan offered by Academic HealthPlans (AHP). This plan does not cover International students traveling to their home country.

DENTAL COVERAGE

Dental coverage is voluntary and available to both Domestic and International students. Students must reside in Southern California and be enrolled in at least one course in order to be enrolled in the plan. Enrollment is completed each quarter directly with Academic HealthPlans (AHP) by clicking on the Enrollment link below or by contacting AHP directly at (855) 844-3001. Students should be prepared to pay dental insurance premiums via check or credit card at the time of enrollment.

Academic Year Dental Plan Coverage Dates

Annual Coverage - 10/01/23 - 09/30/24 (only available during the fall quarter)
Fall - 10/01/23 - 12/31/23
Winter - 01/01/24 - 03/31/24
Spring - 04/01/24 - 06/30/24
Summer - 07/01/24 - 09/30/24

2023-2024 United Concordia Dental Plan Overview (New Brochure to follow, plan benefits have not changed!)

2022-2023 United Concordia Dental Plan Overview

2022-2023 United Concordia Schedule of Benefits

Coverage Level and Price

Annual Rates (only offered during the Fall quarter)
Student $225.09
Add Spouse $155.35
Add 1 Children $155.35
Add 2 or more Children $310.70

Quarterly Rates
Student $56.27
Add Spouse $38.84
Add 1 Child $38.84
Add 2 or more Children $77.68

DENTAL ENROLLMENT
*Enrollment links will only be available during the enrollment period.

DOMESTIC STUDENTS ENROLL HERE

INTERNATIONAL STUDENTS ENROLL HERE

Additional Dental Plan Information

Visit the United Concordia Plus Dental Insurance website
Information on the United Concordia Plus Mobile App
“How My Dental Plan Works”
Find In-Network Dentists in the United Concordia Dental plan - Dentists are assigned by the plan based on your address. You may change Dentist by contacting United Concordia directly after enrollment is confirmed and request a new doctor or provide the name of an in-network dentist from the list.
United Concordia Claim Forms and Information

United Concordia Plus (DHMO) Annual Enrollment Group Number:
Fuller Theological Seminary 005898514001000

United Concordia Plus (DHMO) Quarterly Enrollment Group Number:
Fuller Theological Seminary 005898514000000

United Concordia Plus (DHMO) Plan Claim Address and Customer Service Phone#:
United Concordia
P.O. Box 69421
Harrisburg, PA 17106-9421
1-866-357-3304 (5AM-5PM PST)

For more information about Fuller’s student health insurance plans you may also visit the carrier websites or our Administrator Academic HealthPlans:

Aetna Insurance Domestic Student Plan
Aetna Insurance International Student Plan
United Concordia Dental (DHMO)

If you have enrolled in the medical plan and additional questions about coverage benefits please contact Aetna’s Customer Service at 1-877-480-4161. If you have enrolled in the dental plan and have additional questions about dental benefits you may also contact United Concordia customer service at 1-866-357-3304. You may also contact Fuller’s student health insurance administrator Academic HealthPlans (AHP) at 1-855-844-3001 for questions concerning the plans as well.

Contact Us

The Student Health Insurance (SHI) office works remotely. All inquiries should be sent via email to [email protected]. If an appointment is needed a virtual appointment can be made.