Student Health Insurance Plan (SHIP)

Mission

SHIP provides health care coverage for full-fee paying students and their dependents, seamlessly integrating campus primary care services with community specialty care, emergency services and hospitalization. SHIP is also an academic retention and learning support program that educates students on how to be savvy consumers of health care, focusing on how to effectively access and utilize all health-related services and insurance/financing options.

Eligibility

Idaho State Board of Education policy requires full-fee paying students attending classes in Idaho to maintain adequate health insurance. Boise State University students registered for full-fee paying credits (and all international students and intercollegiate athletes) are automatically enrolled in the university-sponsored Student Health Insurance Plan (SHIP), with the premium charge 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 semester. Students enrolled in SHIP are eligible to purchase coverage for their spouse and/or for any dependent children under the age of 19 who reside with the student.

NOTE: Part-time students are not eligible to enroll in SHIP. Part-time students may contact the SHIP office (208) 426-2158 to discuss other health insurance options.

Premiums

2009-2010

Fall Semester		Spring Semester	Total
Student-Full Time
	$785	$785	$1570
Spouse
	$1111	$1555	$2666
Child
	$948	$1327	$2275
Children
	$1237	$1732	$2969
	Dependent coverage is calculated at 5/12 for fall and 7/12 for spring.

Optional Catastrophic Under 25 Years
Student - (full time)	$256
Spouse	$719
Child	$417

Optional Catastrophic Over 25 Years
Student - (full time)	$512
Spouse	$1040
Child	N/A

Supplemental Coverage-Athletes, $513 Annual

Benefits Summary - SHIP Flyer

Front

Back

Waiver Requirements

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 enrollment. Waivers must be filed every Fall and Spring semester. Deadline for fall semester is September 4, 2009 and for spring semester is February 1, 2010.

The test for comparability includes the following required components:

Alternate insurance plan must be with a United States based company.

The coverage cannot be voluntarily canceled and enrollment must be continuous through the current academic year.

The maximum policy limit can be no less than $75,000.

It is strongly recommended that coverage also include:

Full compliance with applicable federal law (specifically Title IX of Education Amendments of 1972, as amended by the Civil Rights Restoration Act of 1987). Specific components of these laws include pregnancy treated as any other medical condition.

Maximum of $1,000 individual deductible per year and standard co-payments not more than 50% of provider charges.

All full time and part time international students are required to carry the following additional coverage:

1. Medical evacuation coverage (must be at least $15,000).
2. Repatriation coverage (must be at least $10,000).

Waiver Request Application

If your alternative health insurance plan meets the requirements, please log on to BroncoWeb at broncoweb.boisestate.edu to submit your SHIP waiver request application.

NOTE: THE WAIVER APPLICATION IS NOT FINAL UNTIL INSURANCE COVERAGE IS VERIFIED BY SHIP. STUDENTS WILL RECEIVE A NOTIFICATION OF APPROVAL OR DENIAL VIA BRONCOMAIL. It is important that you check your BroncoMail at least twice weekly, as this is the main venue of communication utilized by the University.

For questions about enrollment contact the SHIP Office, 426-2158.

Waiver Application Instructions

If you have other, comparable health insurance and wish to opt out of the Student Health Insurance Plan (SHIP) you will need to complete the online waiver application. Have your insurance information available when completing the SHIP online waiver.

Access your Broncoweb student account to submit the Health Insurance Waiver Application:

IMPORTANT: Enter the information in the fields EXACTLY as it appears on the insurance ID card! If the information does not match exactly, it can result in your application being ?Tentatively Denied? until the correct information can be obtained.

Insurance Plan Name: Select the name of your insurance carrier from the drop down box. If your carrier is not listed, select "Other." (If you select "Other" you will need to type in your insurance company's name.)

Full Legal Name of Policy Holder: Insert name of policyholder. The Policy Holder is also known as a "Subscriber" or "Member" or "Enrollee."

Relationship: This is YOUR relationship TO the policyholder.

Policy or Group Number: Copy this information from your Insurance ID Card.

Member Enrollee Number: The Policy Holder, Subscriber, Member or Enrollee number listed on the insurance card.

Insurance Plan Contact Number: This is the Customer Service telephone number listed on your insurance card.

Click "Continue." If you do not click ?Submit? your waiver application may not be accepted by the system.

READ CAREFULLY THE NEXT PAGE. Click "Continue."

PRINT THIS PAGE and RETAIN COPY FOR YOUR RECORDS. THIS IS YOUR ONLY PROOF THAT YOU HAVE SUBMITTED YOUR WAIVER.

If you have any questions regarding the waiver instructions, please contact the SHIP Office at SHIP@boisestate.edu or 426-2158 prior to the waiver deadline.

IMPORTANT NOTE: The waiver process is NOT COMPLETE until you have printed out a copy of the receipt for your records. Failure to complete a waiver will result in automatic enrollment in SHIP.

Contacts

Insurance and Pharmacy Information
Maksin Management
(877) 775-5430
www.maksin.com/BSU.shtml
Student Health Insurance Plan (SHIP) Office
2103 University Drive in the Health & Wellness Center
Boise, ID 83725-1351
Phone: (208) 426-2158
Fax: (208) 426-3005
SHIP@boisestate.edu

SHIP Tips

All services performed off campus are subject to deductible and co-insurance. This includes any laboratory tests drawn or collected at the Health and Wellness Center and sent outside for review and/or interpretation (e.g, pathology, other labwork that is not included in the SHIP wellness benefit, etc).

The student health insurance coverage is administered by The Maksin Group. Coverage is effective August 1, 2009 and ends December 31, 2009 for ICS Athletes and August 15, 2009 and ends January 14, 2010 for Academic Students for the fall semester. Spring enrollment is effective January 1, 20010 and ends July 31, 20010 for ICS Athletes and January 15, 20010 and ends August 14, 20010 for Academic Students.

The maximum benefits on your policy are $100,000, unless you add additional catastrophic coverage. Catastrophic coverage is available to purchase during the fall open enrollment period only. To obtain a benefit brochure, print out a copy of a temporary card, or find a network provider please log on to Maksin's website at www.maksin.com/bsu.shtml or contact them toll free at 877-775-5430.

Wellness benefits are only covered in the Health & Wellness Center on campus.

Students at BSU may add dependents to their insurance policy by logging onto wwww.maksin.com/bsu.shtml and completing the online application or call toll free 877-775-5430.

Dependents are not eligible to receive services at the Health & Wellness Center on Campus, therefore, all dependents are subject to the deductible and do not have routine/wellness benefits. For alternative plan information please contact the SHIP department at SHIP@boisestate.edu or call 426-2158. Dependent coverage is administered entirely by Maksin.

If you have an emergency call 911 or go to the nearest emergency room. Charges will be subject to deductible and coinsurance.

If you have a claim that is not being paid, please contact Maksin immediately toll free at 877-775-5430. Do not assume billing problems will "go away". If you require additional assistance, the SHIP department is available Monday through Friday.

If you have additional information you would like addressed in this notice, please contact SHIP at SHIP@boisestate.edu.