Students and their eligible dependents who are degree-seeking and registered for 5 or more credit hours (undergrad students only) each semester are eligible to enroll in the University of Iowa's health insurance plans. All undergraduate, international, and health science students are required to have medical insurance.
The UIGRADCare plan, administered by Wellmark Blue Cross & Blue Shield of Iowa, is a comprehensive health care program that covers students and their eligible dependents from providers within the UI Health Care network and/or Student Health.
UIGRADCare Plan Documents
The coverage manual is a comprehensive document that sets forth the rights of the plan's participants and beneficiaries and guides the university in making decisions and executing its responsibilities.
UIGRADCare Plan Highlights
- Participants MUST use Student Health or UI Health Care providers for their care. UIGRADCare does not cover providers outside UI Health Care.
- Covers hospital, medical, surgical, outpatient, and other health care services such as physical therapy.
- Out-of-pocket for UI Health Care is $1,000 single and $1,700 for family.
- There is no deductible, a $10 copay for office or clinic visits at UI Health Care providers, no charge for preventive care and immunizations, and 10% coinsurance for blood work and imaging.
- For emergency room care, there is a $50 copay and 10% coinsurance per facility per service date for both facilities and physicians combined.
- No referrals for specialist care.
Participating Providers
Student Health, UI Health Care and affiliated clinics, UI Health Care Medical Center Downtown, UI Urgent Care, and UI QuickCare are the ONLY providers covered under UIGRADCare.
Non-participating Providers
UIGRADCare does not cover providers outside of Student Health or University of Iowa Health Care and UI Health Care Medical Center Downtown. If you visit a provider outside of the UI Health Care network, your services will not be covered, and you could potentially be balance billed.
Costs
Student insurance rates are effective from September 1 through August 31 each year. All premiums will be charged monthly to your university bill and must be paid each month by the due date.
If you would like to review the UIGRADCare plan provisions, such as copay amounts, coinsurance, and out-of-pocket maximums, please visit the UIGRADCare Plan Details page.
Pharmacy
UIGRADCare has a four-tier Prescription Drug plan. There is a separate out-of-pocket maximum for prescription drugs. Only drugs listed on Wellmark's Blue Rx Complete drug list are covered. For out-of-network prescription drugs, you may be balanced billed. More information can be found on the UIGRADCare Prescription Drug Coverage page.
Plan Documents
Wellmark Member Submitted Claim Form (pdf)
Wellmark Legal Notice: Rights & Protections Against Surprise Medical Bills (pdf)
2024 Documents
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.