International Technological University Located at
2711 N. 1st St., San Jose, CA.
Phone: 888-488-4968
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Health Insurance

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 ITU 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 ITU, 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 ITU.

General Information

ITU is currently working to publish our updated 2017-2018 Student Healthcare Brochure and the link for this information will be provided here soon – in the meantime please submit any questions or request for additional information to the ITU ticketing system.

Insurance Plan: United Healthcare Student Resources

Network: UHC Option PPO

Cost per Trimester

 

Cost for Fall 2017 though Fall 2018

Student$498.56
Spouse$498.56
One Child$498.56
Two or more Children$997.12

Please Note: Two or more children costs a total flat rate of $997.12. There is no additional charge for the third child, fourth child, and so on [i.e. if you have 4 children, all your children will be insured for the $997.12 premium. There would be no additional charge for the third or fourth child]. The spouse and child/children of a student can enroll in the insurance plan approximately two weeks after the initial enrollment deadline.

Coverage and Waiver Period Dates

 

Fall 2017

Spring 2018

Coverage DatesSeptember 5, 2017 - January 1, 2018January 8, 2018- April 22, 2018
Online Waiver DatesAugust 16, 2017 - October 6, 2017December 8, 2017- January 30, 2018

**All ITU Students Must Have Approved Health Insurance**

Effective Coverage Timelines & Enrollment

  • If you register for courses and do not complete the online waiver process, you will automatically be enrolled in the student health insurance after the waiver period closes. The effective coverage date starts on the first day of the trimester. Students will be fully enrolled into health insurance and receive further communication from UHC approximately one week after the current trimester’s waiver period ends
    • Note: If you would like to enroll in or utilize the student health insurance before the waiver period closes, you can manually create a user account on the JCB portal and enroll into the health insurance directly via the website.
  • If you already have your own health insurance, you can submit a waiver on the JCB portal. **your insurance must be approved through the waiver process
    • Immediately after the waiver has been submitted, you will receive a “Waiver Accepted” or “Waiver Denied” notice, based upon a review of the insurance information provided.
    • In the event that your waiver request is denied, the system will notify you of any potential issues that need to be resolved before re-submission. If you are unable to make the necessary changes to your insurance information and re-submit the waiver, you may request an appeal by completing the waiver appeal request form and submitting it, along with your insurance benefit summary, to Hr_rep@itu.edu. The appeal must be done before the waiver period closes.
    • Students can also request support or additional information via the ITU Online Support Center Ticketing System.

Enroll/Waive Insurance Here

  • If you are on Optional Practical Training (OPT) and wish to opt-in to ITU’s Student Health Insurance, you may visit the JCB portal and select OPT option on the drop down menu and manually enroll. Once you have applied, students will be fully enrolled into health insurance and receive further communication from UHC approximately one week after the current trimester’s waiver period ends
    • Note: If you would like to enroll in or utilize the student health insurance before the waiver period closes, you can manually create a user account on the JCB portal and enroll into the health insurance directly via the website.

Health Insurance During Breaks & F-1 Vacation

  • For domestic and non-F1 students taking a trimester break you will not be automatically enrolled in ITU’s student health insurance if you do not enroll in courses. Students on break may still choose to manually opt-in to ITU’s student health insurance plan as long as they were enrolled for courses in the previous trimester.
    • Students must have been enrolled in courses for the previous trimester in order to qualify for student health insurance during break.
    • Qualified students can opt-in for ITU’s student health insurance by clicking the “request insurance” button below.
  • For international students on an F-1 annual vacation, you will not be automatically enrolled in ITU’s Student Health Insurance if you do not enroll in courses. You must opt-in if you wish to receive health insurance coverage during your annual vacation.
    • Student must have been enrolled in courses for the previous trimester in order to qualify for student health insurance during annual vacation.
    • Qualified students can opt-in for ITU’s student health insurance by clicking the “request insurance” button below.

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.

What benefits are offered through this insurance plan?

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 United Healthcare brochure for ITU students. We are currently updating our 2017 – 2018 brochures and will be posting this soon. In the meantime, please direct any questions to the online ticketing system.

I want to waive participation in the student health insurance plan. How do I know if I qualify for the waiver?

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.

Do I have to complete a waiver application for each trimester?

Yes. Your approved waiver is effective per trimester only.

How do I submit my waiver?

Waiver Applications must be completed and submitted online through the JCB Insurance portal.

What information is required to complete the waiver application?

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.

I do not have all the information to complete the waiver application. What should I do?

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.

How will I know if my waiver application has been approved or denied?

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 my waiver application is denied, what options do I have?

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 hr_rep@itu.edu.

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.

I have waived the student health insurance plan, but I no longer have comparable health insurance. What should I do?

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 you specified by you. Your student account will be billed for this.

When will I receive my health insurance ID card?

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

How do I enroll my spouse and/or child in the health insurance plan?

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 located in the table above.

I am currently on OPT. Can I still sign up for health insurance? How much is the insurance premium?

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.

I can't access the online waiver, what should I do?

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, send a ticket to Student Services.

I can't access the online waiver; do I need to pay the health insurance fee now?

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, JCB will contact you to help with the issue

If you can’t access the online waiver, you can also send a ticket to Student Services.
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 pay the health insurance fee.

If my waiver is approved, do I need to take any further actions?

If your waiver is approved, the health insurance fee in your student account will be reversed within approximately 10 business days.

If your waiver is approved and you already paid for the health insurance fee, you can submit a Student Refund Request form to the Department of Accounting Services.

I dropped my JCB insurance, but I would now like to enroll. Is this possible?

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

I am on F-1 annual vacation or waived the insurance plan, but I would now like to enroll my dependents or myself. Is this still possible?

Yes, you can enroll for insurance by logging into the JCB Insurance portal.

I am withdrawing from ITU, will I receive a refund for health insurance?

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. ITU will not process student insurance refund requests without authorization from JCB Insurance Solutions.

Refund Policy

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*. ITU will not process student insurance refund requests without authorization from JCB Insurance Solutions.

Additional Information

If you have any questions before enrolling, please contact us using this form.

Last modified: September 22, 2017