Welcome to the ISU Student Insurance Website
ISU student insurance is developed especially for Idaho State University and their eligible dependents. The Student Health Insurance Plan (SHIP) for 2008/2009 is underwritten by Ace American Insurance Company and administered by Academic Health Plans. This web site is designed to give you detailed information about SHIP and its benefits. Bookmark this site and follow the guidelines carefully to ensure that you get the most out of your health insurance benefits.
Eligibility/Enrollment:
Effective fall semester 2003, Idaho State Board of Education policy
requires full-fee paying students attending classes in Idaho to
maintain adequate health insurance. All academic students taking 8 or
more credits hours and College of Technology session students taking 4
or more credit hours who, by current fee structure or by contractual
agreement, are required to pay full-time fee are automatically enrolled
in the university sponsored Student Health Insurance Plan (SHIP).
International students taking 1 or more credits are automatically
enrolled in the insurance plan. The
premium charge is added to their tuition and fees billing. Students who
provide proof of continuous enrollment in an alternative U.S.-based
health insurance plan with comparable benefits are able to waive out of
the SHIP coverage each academic year. Part time students are not
eligible to enroll in the SHIP.
Waivers:
Students who provide proof of continuous enrollment in an alternative U.S.-based health insurance plan with comparable benefits are able to waive out of their SHIP coverage each academic year.
If you are covered under another plan and wish to waive the ISU
student health insurance, you can access this form through MyISU
(see instructions at: http://www.isu.edu/stuhlth/insurance/pdfs/onlineinstructions2008sfallwpd.htm).
International students may not waive the health insurance using
MyISU. You must waive the health insurance prior to
paying fees. Your insurance must be effective the date that school
starts and cannot be voluntarily canceled and enrollment must be
continuous through the current academic year. By waiving the insurance
on your fall billing, you will not be eligible for insurance coverage
in the spring unless extenuating circumstances exist. Exceptions will
be made if the student has a documented change in insurance status such
as change in marital status, termination of dependent coverage because
of attained age or change in job status causes a student to lose health
insurance coverage.
Before waiving the ASISU Student Health Insurance plan, please review your health insurance company to ensure that you have adequate coverage.
1. Medical benefits of at least $50,000 per accident or illness (to include maternity coverage for policy holders);
2. A deductible not to exceed $2,000.00 per accident or illness;
3. co-payment for in-network providers not greater than 25 percent with the insurance paying at least 75 percent of the charges;
4. insurance company that is owned, operated and based in the United States in compliance with applicable federal laws; and
5. health insurance in force and maintained for the full academic year.
Refunds:
All eligible students are enrolled in the insurance program in the Fall of each year or at the time of initial enrollment at ISU. If a student does not waive the insurance before fees are paid and has comparable coverage, the student may request a refund of the premium by signing a refund petition (see insurance refund petition form). A refund petition must be submitted on or before insurance refund deadline. If a student withdraws from school before the first 31 days of school, the student is eligible to apply for an insurance refund. Refund checks are not processed until four weeks after completion of refund petition or until at least three weeks after the actual date of payment for the semester. All student health insurance refunds are paid by the Student Health Insurance Carrier and are mailed to the address listed on the student health insurance refund petition. If the student has an outstanding ISU fee loan, the insurance premium will be applied to the ISU fee loan rather than being sent to the student.