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 2007/2008 is underwritten by Ace American Insurance Company and administered by Academic Health Plans. This website 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). 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. International students are required to purchase the SHIP plan and are not eligible to waive the health insurance.
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. International students are not allowed to waive the health insurance.
If you are covered under another plan and wish to waive the ISU student health insurance, you can access this form through MyISU portal at http://my.isu.edu 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. International students are not allowed to waive the health insurance.
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 (Spring, 2008 semester deadline is January 28, 2008) 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.