Think the Student Health Plan won't cover you? Find out the Truth.
The Student Health Plan was created in the fall semester of 1989. This plan continues to provide adequate medical coverage for students and dependents on the plan since it was created.
Using the Student Health Plan
The Student Health Center is your primary source of medical care. If you need to receive treatment, make your first appointment with the SHC. If the SHC can't treat you, you'll be referred to a contracted physician in the community. You must preauthorize all care you receive outside the SHC. The SHC will coordinate the preauthorization process. If you need to see a physician outside of the SHC make sure your provider is contracted with the Deseret Mutual's Preferred Provider Network. If you use non-contracted providers, your benefits will be lower. For help finding a contracted provider, contact Deseret Mutual. If you use non-contracted providers, you will be responsible to pay any charges over maximum allowable amounts.
After-hours Medical Advice
If you need health care after hours, go to the nearest contracted urgent care facility or the nearest hospital emergency room, or dial 911.
Deseret Mutual ID Number
Deseret Mutual will assign you a unique ID number. This Deseret Mutual ID is your policy number. Contact Deseret Mutual if you don't recieve an health plan card with your ID number.
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:
BYU-Idaho Student Health Plan
Student Health Center 208-496-9331
Affordable Care Act
100 Student Health Center, Rexburg, ID 83460