Saturday, September 26, 2009

✮Product SpotLight & Discussion: UnitedHealthcare StudentResources Review ✮

Welch's AquaJuice - Apple
Let's face it, helping our children settle into a routine for the new school season can be a daunting task, mostly because there's so much Moms and caretakers need to do to get everyone ready for the new school year. I know I am gridlocked right now as I balance my kids schedules and extra-curricular activities. As a Mom and a Nurse, I worry about my kids safety and their protection while at school or their after school activities. MomSelect has partnered with UnitedHealthcare StudentResources, ( a division of and underwritten by UnitedHealthcare Insurance Company, who has been dedicated to student insurance programs for over 40 years. UHCSR focuses on students, and they have a better understanding of the unique needs of this age group (children 5-18 years old).
The Health Plan is also known as Injury and Sickness Insurance. "School is not a spectator sport. From hopping and skipping to blocking and tackling, our commitment to protecting kids starts as early as kindergarten. Kids will be Kids, that's why we're here"
Is your child uninsured? If your children are uninsured, this health plan may be the answer to protecting your children’s health.
Choose from a variety of plans and options, including

Health Plan


At School

Extended Dental


As a Mom of several lovely, but often accident prone children (2 broken appendages so far this year, +1 child with newly diagnosed scoliosis) I was a bit curious as to what UnitedHealthcare StudentResources had to offer for Moms and caretakers like me.
My children attend public school within the City of Virginia Beach, Virginia. I researched further and was excited to come upon an opportunity to discuss some key aspects of UnitedHealthcare StudentResources plan with Ms. Racheal Beasley, the administrative business manager from Alliance Christian Academy, a private school in my nearby Portsmouth, Virginia. Alliance Christian Academy is overseen by the Association of Christian Schools International (ACSI). Most national ACSI private schools offer and recommend UnitedHealthcare StudentResources plan to their students. Ms. Beaseley highly endorses it as well, stating that it offers "...relief to families so that they have peace of mind in knowing that their children are covered and protected under this affordable, customizable plan."

This part of Virginia that I live in is very transient, with a lot of military families who come and go. Another key aspect about the policies that I like was the fact that in the event of a student transfer or move; the policy continues in force anywhere in the world if the covered person should relocate prior to the expiration of coverage. Here are some commonly asked questions:

Q: What is the Health Plan (Injury & Sickness Plan)?
A: The UnitedHealthcare StudentResources Health Plan provides benefits for loss due to a covered injury or sickness up to the maximum benefit for each injury or sickness. The coverage is effective the date the application and premium are received in our office or the first day of the school year, whichever is later, and continues until the end of the premium payment period or the end of the policy period, whichever date is sooner. This plan covers sickness & accidents which happen anytime, 24-hours per day, while your student is covered under this plan (excluding interscholastic sports).
Q: Our family is moving. Will I need to reapply in our new location?
A: If you move AFTER the insurance effective date, your policy is "grandfathered" and you are covered for the remainder of the policy effective period.
Q: Do I have to insure all of my students at once?
A: You may insure one or all. If you decide to insure some of your students now and some at a later date, you are free to do so. Simply return to the site and select Enroll Now to enroll additional students.

Plans & Pricing

As diverse as a typical 6th grade class, our student insurance plans can accommodate virtually any need:
  • Health plan - This policy is a 24-hours per day policy that covers eligible injury or sickness up to the maximum benefit for each. This policy does not cover interschool athletics.
  • 24-hour - Injury only plan that protects your student around-the-clock/anywhere in the world; until school starts the following year.
  • At-School - Injury only plan that protects your student during the regular school term, on school premises while school is in session.
  • Extended Dental - An accident only supplemental plan provided to students covered by At-School, 24-Hour or Football student insurance.
  • Football - An additional plan that provides injury only coverage for high school interscholastic football.
If you would like to see what plans are available through your school, simply select a school system and state. Once you've found the plan, just follow the simple on screen directions to enroll your student.

Some Key Benefits of UnitedHealthcare StudentResources Include:
  • The health plan offers protection/coverage for injury AND sickness, 24/7/365.
  • UHCSR's program is only available through many participating school districts and participating private schools. Nationally available through schools that belong to the Association of Christian Schools International, and some smaller rural districts to the largest in the nation; like Los Angeles Unified and Miami/Dade County.
  • The Health Plan is available to K12 students from ages 5 - 18 (ages 4-18 in Texas)
  • Designed to be affordable at $588 per policy year or $98 every two months. Parents can enroll their student at any point in the school year.Online enrollment in the health plan only takes minutes.
  • Learning More and Enrolling: Click on Plans & Pricing tab and enter school district name (or just a few letters) to find and select the child’s school. Click View Plan Materials to see the plan brochure, and review the Student Health Plan Coverage page regarding Student Injury and Sickness Benefits. When ready to enroll, click the Enroll Now button on the Plans & Pricing tab (or from the Home page). Complete some information about the child, select the Injury and Sickness plan, create an account, and make a payment by credit card or e-check.

A solid company built on a solid foundation

UnitedHealthcare StudentResources has earned client confidence and a national reputation by offering only the finest, HIPAA-compliant student health plans.
Our stature as a market leader lets us offer your school, association or students comprehensive coverage at an affordable cost with many of the best health care providers in the nation.
What does this mean to you?
  • Industry know-how
  • Financial stability
  • Flexibility

Proven products to meet all student insurance needs

As diverse as your student body, UnitedHealthcare StudentResources ' line of health care plans can accommodate virtually any need. We offer injury and sickness plans - for both domestic and international students - tailored to meet the specifications of your institution. Plus, our intercollegiate sports coverage is supported by an in-house consultant, who specializes in sports accident insurance. Besides offering travel assistance, vision and dental plans, UnitedHealthcare StudentResources also provides insurance for risk groups - like study abroad and special summer programs.
UnitedHealthcare StudentResources is the market leader and one of the largest sources of student insurance, with over 40 years of experience in protecting children from kindergarten through college and beyond.

Administered by a well-respected partner

Our K12 student injury and sickness policies are administered by Health Special Risk, Inc. (HSR). HSR provides customer service and claims processing from its location in Carrollton, Texas.
Health Special Risk, Inc. (HSR) is an insurance corporation which operates as a Managing General Underwriter (MGU), and Third Party Claims Administrator (TPA) in the Accident & Health and Special Risk insurance market nationwide.
As an organization 28 years in the making, HSR prides itself on the diversity of the services provided and the employees who make their operation a true success. Backed by state-of-the-art technologies and outstanding customer service, HSR has grown to a national organization with a superior reputation for delivering on what they promise. HSR employees pride themselves on providing the highest levels of administrative services in the industry.
If you don't find your child school district, call UnitedHealthcare StudentResources at 888-282-5957 to inquire about adding it to your school.

Please share your thoughts and contribute your comments!

*I'd like to open up a discussion about what concerns you in regards to your children's health, wellness, and safety. Examples: Are your kids involved in sports or other extra-curricular activities? Are you concerned about the future of healthcare and health insurance? What simple things do you do to keep yourself informed of your kids whereabouts and activities when they are not with you? What changes would you like to see in healthcare or health insurance services in general? I'd like to hear from my readers and encourage any questions, thoughts, comments.*

*I will be directly emailing all contributors of comments on this post with a special, unique bonus code that will allow for 10 additional, daily entries into any and all of my current giveaways through the end of 2009, specifically December 31, 2009*

*This is an incentive to encourage my readers participation on my blog posts. I appreciate all of my Multiple Blessings readers and followers and your thoughts are important to me. Your privacy is and will always be respected. Please read my disclosure policy below*

Welch's AquaJuice - Apple

*This was a compensated review assignment that I accepted with great interest and graciousness from MomSelect and UnitedHealthcare StudentResources*

*Disclosure: As the owner of this site, I am sometimes compensated to provide my opinion on products, services, websites and various other topics. Even though I may have received compensation for content/review posts or advertisements, I always give my honest opinions based on my own thorough research, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this site are purely my own. Any product claim, statistic, quote or other representation about a product or service should be verified with the company, provider or party in question. As the owner of this site, I respect my readers and contributors privacy, and will NEVER spam, sell, or rent any aspect of readers/contributors personal information.


  1. This is a very interesting review. I'd never even heard that such a thing as insurance for kids at school exsisted. Although my daughter is only 19 months old and won't be in school for awhile (I'm sure it'll go by much to fast!) I found this interesting. Thanks for the information! :)


  2. Gosh I am 51 years old and remember bringing home an 'insurance brochure' each year when I was in school. I really don't recall my daughter ever bringing one home. We live in Alabama and they have a program where all children have insurance coverage, thank God!!
    But, even though she was not officially a child my daughter had to pay for Cobra insurance on her dad's policy between graduating from college and finding a job that provided insurance.
    All kids should have insurance no matter never knows what is going to happen from one day to the next.


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