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Health Insurance

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HEALTH INSURANCE COVERAGE

Health Insurance Coverage is mandatory. Starting from Fall 2020, students will not be enrolled in health insurance through ITU. They should enroll in health insurance directly through JCB or waive the health insurance through JCB too. All students are required to provide a proof of enrollment or waiving of the insurance coverage from JCB to the Finance Department prior to enrollment.

It’s Up to Us

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If you have more non-urgent questions, send a ticket to student services for assistance.

ITU’s United Healthcare health insurance plan is brokered through JCB Insurance Solutions, which is a low-cost health insurance provider. The health insurance plan offered through JCB has coverage dates by academic term, instead of by calendar year, which gives you more flexibility in your coverage.

All ITU students must have health insurance coverage, whether purchased through JCB, or through an alternative provider. If you are covered under another insurance plan, you will be required to opt out of the health insurance plan offered through JCB.

To Access UnitedHealthcare Site Click Here.

To gain access to the JCB Site Click Here.

General Information

Insurance Plan: United Healthcare Student Resources

Network: UHC Option PPO

Enrollment:

New Students: For students who wish to enroll into JCB's health insurance for the first time, and want to get their insurance card and use the insurance quickly, we usually recommend them to visit www.jcbins.com during the health enrollment and waiver period and enroll themselves into the health insurance, rather than waiting until the waiver period ends.

On the JCB website there are two options after you create an account:

1) Submit a waiver
or
2) Enroll (opt-in) into the health insurance (to get your insurance card sooner).

If you select to enroll into the health insurance, JCB will forward your information to UHC to enroll you immediately.

Continuing Students: Continuing students keep their ID card and need to enroll in the insurance plan through JCB.

Waiver Process:
Waiver Applications must be completed and submitted online through the JCB Insurance portal. Please see more information about the waiver process below.
Please Click The Following Link: www.jcbins.com

Coverage and Waiver Period Dates and Process

Open Enrollment and Waiver Period:
Fall: 7/16/2020 – 10/18/2020
Spring: 11/5/2020 – 2/15/2021
Summer: 3/4/2021 – 6/15/2021

Enrollment and Waiving Applications must be completed through the JCB Insurance portal.

Link for Enrollment and Waiving Process: www.jcbins.com

The cost of coverage includes insurance premium and fees payable to JCB Insurance Solutions.

Your insurance plan must meet the following criteria to waive participation in health insurance plan (which includes but is not limited to):

  • Being owned, headquartered, and operated in the United States.
  • Provide access to providers within 50 miles of Santa Clara County (Where ITU resides).
  • Provide emergency care within 50 miles of ITU.
  • Provide coverage for Medical Evacuation and Repatriation.

In place of an insurance card, you may upload an official document onto JCB’s portal that states your full name and the effective date of your insurance.

Waiver Appeals: If your waiver application is denied because your private insurance benefits are not sufficient, you may appeal the denial by calling JCB’s Student Assistance Line at: 408-220-9064 or emailing studentservices@jcbins.com.

Health Insurance During Leave of Absence

  • If you are on a regular leave of absence, you will NOT be able to purchase the student health insurance.
  • If you are on a school approved medical leave of absence, you will be eligible to enroll in the student health insurance. However, you will only be allowed to purchase one trimester of insurance.
Request Insurance (Breaks & F1 Vacation)

Frequently Asked Questions

Please review the FAQ section below, to ensure that you have all the relevant information on the insurance plan, and submitting the waiver.

United Healthcare is the world’s third largest healthcare provider, and offers many benefits to those enrolled in the plan. For a full list of benefits, please see the UnitedHealthcare brochure for ITU students. The 2020-2021 brochure is currently updated. In the meantime, please direct any questions to JCB by visiting the JCB website, www.jcbins.com, or by phone at 408-220-9064.

If you want to waive participation in the student health insurance plan, you must complete and submit an Online Waiver application by logging into the JCB Insurance portal and following the Waiver steps.

Yes. Your approved waiver is effective per trimester only.

Waiver Applications must be completed and submitted online through the JCB Insurance portal. A proof of the waiver should be submitted to the Finance Office prior to enrollment.

You will need a copy of your insurance identification card, as well as a current Evidence of Coverage booklet, which you can obtain from your insurance company.

All the information you need is contained on your insurance identification card, and in your Evidence of Coverage booklet. The booklet is provided by your insurance company, and describes all of your benefits, and the limitations of those benefits. If you cannot find your booklet, you may find it on the insurance company’s website, or call your insurance provider’s customer service number to ask for help.

When you submit the waiver application on the JCB Insurance portal, you will receive an instantaneous response. The last screen of the online waiver application process will inform you whether your application has been approved or denied. You should print this screen for your records.

If your waiver application is denied because your private insurance benefits are not sufficient, you may appeal the denial by submitting an “Appeal of Waiver Denial” form to JCB.

Completed appeal applications must be submitted in scanned PDF format, and received by the waiver deadline. Appeals for denied waiver applications are accepted only for the current trimester. Retroactive appeals are not accepted. Incomplete appeal applications will not be considered for review.

You are required to maintain comparable health insurance at all times during your approved waiver period. If your health insurance coverage is terminated during the waiver period, you are required to enroll in the student health insurance plan.

To enroll in the plan, you must submit an enrollment form online; this form will be available online after the waiver period closes. Your student health insurance coverage will be effective on the date the request is submitted, or a future date specified by you.

Students are provided a link via email to access their ID cards online. Physical cards will no longer be mailed.

After you have registered for classes and paid for your own health insurance, log into the JCB Insurance portal to add your spouse. The additional cost to add a spouse is found in the Healthcare Brochure.

Log into the JCB Insurance portal and select OPT on the drop down section on the initial log in. To find out the price of the insurance premium, look at the table listed above.

The insurance premium will be the same per trimester as an active student.

Verify that your Student ID and date of birth are correct. Note: date of birth needs to be entered with dashes.

If you still can’t access the online waiver with the correct Student ID and date of birth, contact JCB by visiting the JCB website, www.jcbins.com, or by phone at 408-220-9064.

If you are unable to access the online waiver, please go back and double check that there are no errors when it comes to your birthdate and your name. If you are still unable to access the online waiver, contact JCB with the issue by visiting the JCB website, www.jcbins.com, or by phone at 408-220-9064.

If you can’t access the online waiver, you also need to contact JCB. Upon completion of the online waiver, you will receive a “Wavier Accepted” or “Waiver Denied” notice immediately. If your waiver is denied, you will need to enroll in Healthcare plan through JCB.

If your waiver is approved, you need to submit the waiver form to the Department of Finance by either an email or in person.

Yes, however, you must enroll within 30 days of the first day of the trimester.

In order to receive a refund, you must drop all classes before the designated deadline. Additionally, to be eligible for a refund, you:

  • Must be withdrawing from ITU within 30 days of the first day of the trimester.
  • Cannot have used the insurance or filed claim(s).

All refunds require approval from JCB Insurance Solutions. You need to contact JCB by visiting the JCB website, www.jcbins.com, or by phone at 408-220-9064.

In order to be eligible for a refund, you must meet ALL of the following criteria:

  • You are withdrawing from ITU within 30 days of the plan start date.
  • You have not used the insurance or filed claim(s).

All refunds require approval from JCB Insurance Solutions. You need to contact JCB by visiting the JCB website, www.jcbins.com, or by phone at 408-220-9064.

If you have any questions before enrolling, please contact JCB by visiting the JCB website, www.jcbins.com, or by phone at 408-220-9064.