Employee Eligibility

In general, regular faculty and staff with at least a 50 percent appointment and their dependents can participate in the university's health and dental insurance. 

Double Spouse
The Dual University of Iowa employed spouses/partners, and any children may not double insure each other or dependents under the plans where the university contributes to the plans' cost. This includes the health, dental, and accidental death and dismemberment insurance policies—an individual may only be included once under these policies.

Taxes
The Internal Revenue Service (IRS) has determined that if an employer allows employees to insure dependent children past the age of 26 who do not qualify as the employee’s tax dependents, there is a value that must be added to the employee’s taxable salary when reporting income earned on the annual W-2. More information can be found on the taxable health insurance page. In addition, the university requires information for children over the age of 26 on an annual basis (twice a year for students) to confirm eligibility due to student or disabled status and tax dependent status.

There are also potential tax implications for covering a domestic partner. The domestic partner information page contains more information.

Temporary Employee Eligibility

Faculty and staff who receive compensation from the University of Iowa may be eligible for temporary health and/or dental insurance. The employee must be anticipated to work 50 percent or greater time and be appointed for at least six months. 

Student Eligibility

To be eligible for student insurance, you must be a registered student attending classes at the time coverage begins:

  • You must be a degree-seeking student.
  • Undergraduates must be enrolled in five (5) or more credit hours.
  • Undergraduates are only eligible to enroll in the Student Health Insurance Plan (SHIP) only.
  • Graduate students must be degree-seeking to be eligible (no credit hour requirement).
  • Graduate and health science students can enroll in either the Student Health Insurance Plan (SHIP) or UIGRADCare.

Retiree Eligibility

For a retiree to be eligible for health and/or dental coverage with the university, they must meet the following criteria:

  • Age 55+ at time of retirement from the university
  • Age 62+ with ten or more years of continuous benefits-eligible service to receive the UI contribution toward the cost of UIChoice
  • At the time of retirement, you do not need to be enrolled in health and/or dental coverage as an active employee to elect coverage at retirement. Retirement is considered a qualifying event to enroll for health and/or dental coverage, including family members. The retiree must elect coverage at retirement with the effective date of coverage on the first day of the month following your last day worked.

ABOUT OUR SITE: The information presented on our website describes only the highlights of the plans and does not constitute official plan documents. Additional terms and conditions apply. If there are any discrepancies between the information contained herein and the official plan documents, the plan documents will govern.