Student Health Insurance / Finance and Operations

Student Health Insurance

Medical health insurance is required for all domestic full-time undergraduate and all full-time and part-time international students. Each year students will be enrolled automatically in the PLU Student Health Insurance Plan. A student who is covered by a comparable health insurance plan can waive out of the PLU Student Health Insurance Plan by providing evidence of comparable primary insurance.

Domestic students can provide this evidence through an online waive out form during registration and no later than 10th day of class. Waive-out online starting November 23, 2009 but no later than February 22, 2010. No waivers will be accepted after midnight on February 22, 2010.

International students must have their insurance company submit the International Student Health Insurance Plan Waiver no later than February 22, 2010. No waivers will be accepted after midnight on February 22, 2010.

The plan provides important coverage for office visits, prescriptions, emergency treatment and hospitalization.

INSURANCE PLAN ADVANTAGES
COST AND BILLING AND BUY-UP OPTIONS
WAIVE-OUT
CARE AND COVERAGE
FREQUENTLY ASKED QUESTIONS

Advantages

Coverage continues up to 90-days after graduation.
Affordable plan when health insurance is required for Study Abroad, and internships. Nursing students, athletes and social sciences students - this is great for you!
With this plan, a Buy-up Option can be purchased to increase coverage up to $50,000. This option meets health insurance requirements of the PLU School of Nursing, for example.
Available for students when dropped from family insurance plans due to age.
No provider or geographic restrictions. Fills the gap in other insurance plans that do have restrictions to a home county or provider networks.
Continuing full-time undergraduates and international students will have health insurance over the summer.

Cost and Billing

Domestic Students: The 2009-2010 fee for the PLU Domestic Student Health Insurance Plan is $400 per domestic student. This plan provides up to $10,000 per injury/accident*. Plan Details

Need More Coverage? Buy-Up Options are Available: Students can purchase higher insurance coverage - up to $50,000 per injury/accident*. Nursing Students - this buy-up option meets the insurance requirements of PLU School of Nursing programs.

You must be enrolled in the basic $400 PLU Student Health Insurance Plan in order to purchase the Buy-up Option. Click here for an application and instructions for enrollment.

International Students: The 2009-2010 fee for the PLU International Student Health Insurance Plan is $750 for the academic year. This insurance plan meets best practices recommended by the US State Department. Plan Details

Billing: The insurance plan fee will be billed as part of the fall billing process, or spring billing for those who start spring-term. After waiving-out, a future bill or statement will show the insurance cost reversed. Financial aid resources can help cover the cost of the insurance plan.

Health Insurance ID Cards: PLU domestic student health insurance identification cards are available online. ID cards will be issued to international students after enrollment.

*This is a non-binding and incomplete summary of this insurance program and benefits. Complete information at: EIIA Student Program Website

Waive-Out

Each year students will be automatically enrolled in the PLU Student Health Insurance Plan. To decline the plan, each year students will need to provide evidence of comparable primary insurance through an online waive out form. Students starting study spring semester 2010 must waive out between November 23, 2009 and no later than midnight on February 22, 2010. No waivers will be accepted after February 22, 2010.

Waive Out Instructions for Domestic Students:
1. Have your current health insurance policy information on-hand.
2. Access the online waiver form and click "Waive Student Insurance" in the left column.
3. Answer the student medical insurance questionnaire.
4. You will receive a confirmation email once you have completed the online waive out process. Print-out the email confirmation for your records. Should questions arise, this email confirmation is the only documentation PLU accepts to verify completion of the waive out process.
5. After waiving out, a future bill or statement will show the insurance plan fee reversed.
6. PLU reserves the right to determine if plans are comparable.

WAIVE OUT NOW

Waive Out Instructions for International Students:
1. Complete the top portion of the International Student Insurance Plan Waiver.
2. Ask your insurance company representative to complete the remaining portion of the International Student Insurance Plan Waiver.
3. Your insurance company will submit the completed form to the Health Center via mail: Health Center, Pacific Lutheran University, Tacoma, WA 98447 or via fax: (253) 536-5042.
4. After the waiver is approved, the next bill or statement will show the insurance plan fee reversed.
5. If the waiver is denied, the student will be notified by International Student Services.

Care and Coverage

The PLU student health insurance coverage begins your first day of class, or first day of fall orientation (if you attend). Coverage terminates at the end of the policy period. The primary care provider will be the PLU Health Center. A referral is required for payment of outpatient benefits. When the Health Center is not open or the student is away from campus, during summer for example, the insured student may submit a claim form directly to the insurance company for reimbursement of covered medical expenses obtained through his or her local medical clinic, emergency room, or physician according to benefits schedule.

This plan is an excess plan. That means it pays only after all other possible insurance has paid. It can cover the cost of deductibles and costs not covered by your primary insurance carrier. In the absence of other insurance, this plan acts as primary.

An accident or injury must be treated within 90-days. Claims will be accepted up to 180-days following accident, illness, or injury. Instructions for claiming reimbursement of your medical expenses is online at EIIA Student Program Website .

The plan details and claims instructions are online at EIIA Student Program Website

*This is a non-binding and incomplete summary of this insurance program and benefits.

Finance and Operations