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2014-15 Student Health Insurance Information

Health Insurance Plan Benefits, Costs, and Important Dates

Benefit Highlights (The 2014-15 Student Health Insurance Brochure has more information)

  • Unlimited medical maximum
  • No pre-existing condition limitations
  • $300 in-network annual deductible
  • Aetna Provider Network
  • $5,000 out of pocket max for In-Network/$10,000 out of pocket max for Out-of-Network
  • Emergency Room Copay $250
  • Hospital and Surgery coverage
  • Outpatient Physician benefits paid at 100% if In-Network with $20 copay
  • Outpatient Counseling visits paid at 100% if In-Network with $15 copay
  • 80% In-Network/50% Out-of-Network Coverage for most other services (may a have separate copay)
  • Diagnostic X-ray/Lab/MRI coverage
  • Physical Therapy and Chiropractic coverage
  • Prescription coverage (includes birth control)
  • Maternity expense
  • No referrals required to see a specialist
  • Impacted wisdom teeth expense

Insurance Cost Per Term

The student health insurance plan for the 2014-15 academic year is $694 for each eligible term (i.e. Fall, Winter, and a Spring/Summer* combination). The annual amount for 12 months of coverage is $2,082. The cost for Summer term only (students who do not take Spring classes) is $513. This amount will automatically be applied to the student's account unless they waive out by the Waiver deadline. Students cand find more information on the waiver process on the Insurance Waiver webpage.

If a student waives out, and then loses coverage, they may request to re-enroll in the PSU Student Health Insurance Plan, but must do so within 30 days of loss of coverage. If the student does not notify the SHAC Insurance Team within 30 days of losing their coverage, they must wait until the next term to enroll and find a short-term health insurance plan. Insurance coverage is not backdated and the premium is not prorated.

Insurance Important Dates

Eligibility Dates for 2014-15

  • Fall term 2014: 9/20/14-1/4/15
  • Winter term 2015: 1/5/15-3/29/15
  • Spring/Summer 2015**: 3/30/15-9/19/15
  • Summer term 2015 only (did not take Spring credits): 6/22/15-9/19/15

WAIVER Deadlines* for 2014-15

  • Fall term 2014: 10/12/14
  • Winter term 2015: 1/18/15
  • Spring/Summer 2015: 4/12/15
  • Summer term 2015 only: 7/5/15

 

 

 

 

*The Waiver Deadline is the last day students can waive out of the Health Insurance Plan for each term.

**Students who have the insurance during Spring term are automatically covered throughout the summer regardless of graduating, traveling, or taking summer classes. See above for specific coverage dates.