Navigating The Path To Changing Your Byui Insurance: A Comprehensive Guide

BYU-Idaho requires all students to have adequate health insurance. Students can either have health insurance coverage in the Rexburg area or participate in the BYU—Idaho Student Health Plan. Students with an acceptable substitute policy can withdraw from the Student Health Plan by filling out an online form at the time of registration. The Student Health Plan covers all benefits in a single appointment for $10, excluding prescriptions. The Student Health Center is billing and contracting with most major insurance companies.

Students must have health insurance or be on the Student Health Plan

Students at BYU-Idaho are required to have adequate health insurance. This can be in the form of a private insurance plan or the BYU-Idaho Student Health Plan. The Student Health Plan is available to all students enrolled at the university.

The BYU-Idaho Student Health Plan

The Student Health Plan offers comprehensive medical coverage for just $10 per appointment, excluding prescriptions. This co-pay fee is charged at a flat rate for all covered benefits in a single appointment. The Student Health Plan also offers full medical coverage nationwide.

Private Insurance

If you have private insurance, you can waive the Student Health Plan option. To do this, you must submit a waiver by the semester deadlines. Acceptable insurance substitutes include insurance through a parent's policy, group insurance through an employer or spouse's employer, Idaho Medicaid or Medicare, or an individual/commercial Affordable Care Act-compliant health care plan that is valid in Rexburg, Idaho.

Deadlines

The deadline to waive the full semester is one week after the semester has started. After this deadline, you will be automatically enrolled in the Student Health Plan for that semester. If you miss this deadline, you may still be able to waive the second block of the Student Health Plan. The deadline for this is one week after the second block has started. If you fail to meet this deadline, you will not be able to waive any part of the Student Health Plan for that semester.

The Student Health Plan costs $10 per appointment, excluding prescriptions

The BYU-Idaho Student Health Plan is a mandatory insurance plan for students who do not have adequate health insurance coverage. The plan costs $10 per appointment, excluding prescriptions. This $10 charge is known as a co-payment, or "co-pay", and is paid for specified covered services such as a doctor's office visit.

The Student Health Plan is available to all students enrolled at the university, and is particularly aimed at traditional, matriculating students. The plan covers students for the duration of their BYU-Idaho education, including semesters during which they are deferred, suspended, on a flex semester, or completing an internship.

The $10 co-pay charge covers all benefits in a single appointment, but prescriptions are excluded. Prescriptions are subject to DMBA's coverage when assessing the charges. Students can find out more about what is covered in the Student Health Plan Handbook.

The Student Health Plan is beneficial for students as it protects them against the potentially high cost of unexpected medical care. It is also beneficial for healthcare providers as it ensures students' medical bills are taken care of.

Students with private insurance can be billed directly

If you decide to keep your private insurance and waive the Student Health Plan, you will need to fill out the online form at the time of registration. The deadline to waive the full semester is one week after the semester has started. After this deadline, you will automatically be enrolled in the Student Health Plan for that semester. If you miss this deadline, there is still an option to waive the second block of the Student Health Plan. The deadline for this is one week after the second block has started. It is important to note that if you do not meet this deadline, you will not be able to waive any part of the Student Health Plan for that semester.

When it comes to billing, the Student Health Center is billing and contracting with most major insurance companies. Once your insurance company has processed your claim, the amounts owed will be posted to your student account. Please allow 4-6 weeks for these charges to reflect on your account. If the student account remains unpaid after 30 days of the posting, a finance fee will be charged by the accounting office.

It is worth noting that the Student Health Center does not bill private insurance directly. This is due to the large number of private insurance companies used by BYU-Idaho students, as well as the challenges associated with billing foreign insurance companies and contacting students for information. However, the Student Health Center Pharmacy can directly bill most private insurance plans, including Blue Cross and Blue Shield, Tricare (military), Medco, DMBA, Aetna, Caremark, CVS, Cigna, Express Scripts, and Medimpact, among others.

Students can waive the Student Health Plan with an acceptable substitute policy

Students at Brigham Young University-Idaho (BYU-Idaho) are required to have adequate health insurance. The university offers its own Student Health Plan, but students can waive this plan if they have an acceptable substitute policy. Here are some detailed instructions for students who wish to waive the BYU-Idaho Student Health Plan:

Understanding Acceptable Substitute Policies:

• Insurance through a parent's policy: Students can be covered under their parent's health insurance plan. This option is available until the student reaches a specific age, which is determined by the insurance provider.
• Group insurance through an employer: Students who work or have spouses working may be eligible for group insurance coverage through their employer or their spouse's employer.
• Idaho Medicaid or Medicare: If you are in Rexburg, Idaho, Medicaid is accepted as an alternative to the Student Health Plan. To waive the plan with Idaho Medicaid, students need to submit their Idaho Notice of Action letter to the relevant BYU-Idaho email address.
• Individual/Commercial Affordable Care Act-compliant healthcare plan: Students can opt for an individual healthcare plan that complies with the Affordable Care Act and is valid in Rexburg, Idaho.

The Waiver Process:

• Deadlines: It is crucial to meet the waiver deadlines. The deadline to waive the plan for the full semester is one week after the semester starts. The deadline to waive the second block of the plan is one week after the second block starts. These deadlines are posted on the BYU-I Academic Calendar.
• Online Form: To waive the Student Health Plan, students need to fill out an online form at the time of registration. This form can be accessed through the BYU-Idaho website or student portal.
• Provide Insurance Details: Students will need to provide details about their current health insurance plan, including the name of the insurance company, policy number, and other relevant information.
• Review and Submit: It is important to carefully review all the information provided in the waiver form for accuracy and completeness before submitting it.
• Keep a Copy: After submitting the waiver form, remember to keep a copy for your records.

Field Trip Insurance is available for high-risk activities

Field trips are a great way to enhance the learning experience of students, providing them with opportunities beyond the classroom. However, they also expose participants to various risks, including injuries and accidents. Field Trip Insurance is designed to address these risks and provide peace of mind for both students and organisers.

Field Trip Insurance is a type of insurance that provides limited medical coverage for bodily injury claims that occur during academic or education-related field events or activities organised by educational institutions. It covers a student's out-of-pocket medical expenses resulting from accidental injuries. It is important to note that Field Trip Insurance does not cover medical expenses due to illness.

Who Needs Field Trip Insurance?

Field Trip Insurance is typically required for students participating in high-risk activities such as mountain biking, river rafting, or rock climbing. It serves as excess coverage to a student's existing health insurance policy and is not meant to replace it. The insurance policy usually has coverage limits, such as a specific amount for accidental death, disability, and medical expenses.

Benefits of Field Trip Insurance:

Field Trip Insurance offers several advantages to students and organisers. It provides financial protection in the event of an accident, ensuring that students can receive the necessary medical treatment without worrying about the cost. Additionally, it helps mitigate risks and ensures that proper safety measures are in place, reducing the likelihood of injuries during the trip.

How to Obtain Field Trip Insurance:

Educational institutions usually facilitate the process of obtaining Field Trip Insurance. When planning a trip, organisers can consult with their institution's risk management department to determine the appropriate coverage and complete the necessary enrolment forms. It is essential to submit the forms within the specified timeframe, usually a few days before the trip's departure.

Cost of Field Trip Insurance:

The cost of Field Trip Insurance can vary, and it is recommended to review the rates provided by the insurance company or the educational institution. The sponsoring department or the students themselves may bear the expense, which can be included in the class or program fee.

In conclusion, Field Trip Insurance is a valuable tool for managing risks associated with high-risk activities during educational trips. It ensures that students are protected financially and medically in the event of accidents or injuries. By obtaining this insurance, educational institutions can provide a safer environment for their students while also complying with risk management protocols.

Frequently asked questions