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If this is not insurance what is it?
The BYU-Idaho Student Health Plan(SHP) is a student health plan offered by BYU-Idaho that continues to offer comprehensive health benefits to BYU-Idaho students and, if enrolled in coverage with an additional contribution, their dependents. The SHP will pay for medical services incurred both at the on-campus Student Health Center and from off-campus medical providers.
Why do I have a $500.00 deductible?
By having a $500 deductible for all students covered by the SHP ($1,000 deductible per family), the SHP is able to:
- Keep contribution rates from increasing at a higher rate
- Still provide the currently covered preventive benefits at 100% of maximum allowable when you see contracted providers (for specific benefit questions, call Deseret Mutual at 801-578-5600)
- Simplify SHP benefits so that all students, single or married, have consistent benefits throughout the school year (i.e. a change in your marital status will no longer affect your contribution or cause you to have "new" deductible on your plan).
*Please remember that the $500.00 deductible only applies to non-preventive services received outside of the on-campus SHC.*
How does this plan benefit students better?
BYU-Idaho is in direct control of SHP benefits. This means that BYU-Idaho will have more flexibility with plan benefits and be able to respond uniquely to its students’ specific health needs in a way that a fully-insured plan isn’t able to.
Do all students have to pay the $500, even if they don’t use the health center?
All students covered by the SHP will pay the $500 up-front deductible when they receive services outside of the Student Health Center. One important exception is that currently established preventive services will be exempt from the up-front deductible, no matter where a student or their covered dependent receives those services (i.e. at the Student Health Center or through an off-campus provider).
How will this affect the future of BYU-Idaho’s health center and students?
The SHP will continue to provide services for the students and eligible dependents as it has done so in the past. There will be no notable changes
How do I appeal my health plan enrollment?
To submit an appeal, please complete this form and submit it to the Student Health Center. It will be reviewed by the appeals committee within 7-10 business days for approval. An email will be sent to the student regarding the decision made.
Please review the following link:Understanding Insurance
BYU-Idaho's Student Health Plan Information
As you are likely aware, Brigham Young University-Idaho requires students to have health insurance coverage while attending the university. Additionally, the Affordable Care Act (ACA) requires most U.S. citizens and legal residents to have health insurance or pay a tax penalty. In order to meet the ACA requirement, the health insurance must qualify as "minimum essential coverage," which is a type of health coverage approved by the federal government.
Both BYU-Idaho's and the ACA's health insurance requirements may be met by enrollment in the following: (1) a policy held by a parent, (2) group insurance through your or your spouse's employer, (3) Medicare or Idaho Medicaid, or (4) other ACA compliant or comparable plan.
Enrollment in the BYU-Idaho Student Health Plan meets the university's requirement to have health insurance. Certain federal guidelines have allowed the plan to also be temporarily considered minimum essential coverage under the ACA. On September 14, 2015, however, the plan will no longer have this designation.
If your only health coverage is the BYU-Idaho Student Health Plan, then beginning September 14, you (or your parent(s) if you are a claimed tax dependent) may be subject to a tax penalty on your 2015 and subsequent federal income tax returns for the months you do not have minimum essential coverage. For more information, please consult a tax professional.
Additionally, if your BYU-Idaho Student Health Plan eligibility ends in the middle of the calendar year, you might not be able to enroll immediately in another plan. Students who are expecting to graduate or otherwise leave BYU-Idaho mid-year are encouraged to consider their health insurance options for the coming year during the federal open enrollment period, prior to leaving school.
Although the BYU-Idaho Student Health Plan will not be considered minimum essential coverage after September 13, 2015, we believe it is in the best interest of the university, its students, and the local community to continue to offer the plan as an option. It will continue to meet the university's health coverage requirement. For students exploring other health coverage options, we encourage you to carefully review the terms of any plan, including deductible requirements, and to discuss the plan with a qualified professional as appropriate or necessary to assist you in making a decision about your health coverage. You may also find the following resources useful: