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

Effective fall semester 2003, 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 8 or more credits (and all international students) 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. All students participating in intercollegiate athletics are automatically enrolled in SHIP. Requests to waive out of SHIP must be requested and processed through the Athletics Coordinator Office. 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 their health insurance options.

Premiums

2007-2008

Fall Semester		Spring Semester	Total
Student-Full Time
	$630.00	$630.00	$1,260.00
Spouse
	$890.00	$1,246.00	$2,136.00
Child
	$760.00	$1,064.00	$1,824.00
Children
	$990.00	$1,386.00	$2,376.00
	Dependent coverage is calculated at 5/12 for fall and 7/12 for spring.

Optional Catastrophic Under 25 Years
Student - (full time)	$240.00
Spouse	$672.00
Child	$390.00

Optional Catastrophic Over 25 Years
Student - (full time)	$480.00
Spouse	$972.00
Child	N/A

Supplemental Coverage-Athletes, $408.00 Annual

Benefits Summary - SHIP Flyer

Front

Back

Waiver

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 semester. Waivers must be filed for both the Fall and Spring semesters. Deadline for fall semester is September 10, 2007 and for spring semester is February 4, 2008.

The test for comparability includes ALL of the following required components:

Alternate insurance plan must be with a United States based agency.
The coverage cannot be voluntarily canceled and enrollment must be continuous through the current academic year.
The coverage must be in 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 policy limit can be no less than $75,000.

There can be no more than a $1,000.00 individual deductible per year and standard co-payments can be no more than 50% of charges.
ALL INTERNATIONAL STUDENTS, FULL-TIME AND PART-TIME must be enrolled in a U.S.-based medical plan.
Medical evacuation coverage must be at least $15,000.
Repatriation coverage must be at least $10,000.

Waiver Requests

If your alternative health insurance plan meets these comparability requirements, please log on to BroncoWeb at broncoweb.boisestate.edu to submit your SHIP waiver request. After you are logged in click on Students then Student Financials then Health Insurance Waiver.

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

Contacts

Insurance and Pharmacy Information
Maksin Management
(877) 775-5430
www.maksin.com/BSU.shtml
Community Provider Access Information
Idaho Physicians Network
SHIP Provider Network
(888) 789-2346
(208) 333-1596
In Idaho provider network www.ipnmd.com
Student Health Insurance Plan (SHIP) Office
SHIP Office
2103 University Drive in the Health & Wellness Center, Room 112 and 114
MS 1351
Boise, ID 83725
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 & Wellness Center and sent outside for review and/or interpretation (e.g., pap smears, cholesterol screening, etc)

Beginning fall 2007, insurance coverage is with Maksin Group. Coverage is effective August 1, 2007 and ends December 31, 2007 for ICS Athletes and August 15, 2007 and ends January 14, 2008 for Academic Students for the fall semester. Spring enrollment is effective January 1, 2008 and ends July 31, 2008 for ICS Athletes and January 15, 2008 and ends August 14, 2008 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.

Maternity care is a covered benefit as any other accident or illness. Please find an in-network provider to obtain the best benefit level.

Chiropractic services are limited to 24 visits per policy year.

If you obtain medical services outside of the Health & Wellness Center, a $250 deductible will apply for in-network providers. If you choose to use a non-network physician, an additional $500 deductible will apply for services performed outside the Health & Wellness Center.

To find an in-network provider in Idaho log onto Idaho Physicians Network website. or call (888) 789-2346 or (208) 233-1586. To locate in-network providers outside of Idaho log onto the First Health Network website or call (800) 247-2898.

Students at BSU may add dependents to their insurance policy by logging onto http://www.maksin.com/BSU.shtml. 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 Office.

If you need medical attention when the Health & Wellness Center is closed you may go to the nearest Primary Health (Broadway and Beacon) or select any in-network Urgent Care. If it is an emergency call 911 or go to the nearest emergency room (St. Luke's Regional Medical Center at 190 E. Bannock Street).

If you have a claim that is not being paid, please contact your insuance company immediately. Do not assume billing problems will "go away". If you require additional assistance, the SHIP office is open Monday through Friday.

If you have any other questions that you would like to see addressed in this notice, please contact the SHIP office.