Lori Meadows
The University of Idaho offers a Student Health Insurance Program (SHIP) that is available to full-time students enrolled in at least 12 credits, graduate and law students enrolled in at least 9 credits, student-athletes enrolled in at least 1 credit, and international students. Students enrolled in SHIP can opt to have their spouses and children covered as well by filling out a Dependent Coverage SHIP Form. The University of Idaho also offers medical plans administered by Blue Cross of Idaho, which include a Dependent Care Spending Account to help pay for the care of eligible dependents. Additionally, students at the University of Idaho can remain on their parent's health plan until they turn 26, provided that the plan's network includes healthcare providers near the university.
| Characteristics | Values |
|---|---|
| Name of the insurance plan | Student Health Insurance Program (SHIP) |
| Who does the insurance plan cover? | All domestic full-time degree-seeking students enrolled in 12 or more credits, graduate and law students enrolled in nine or more credits, student-athletes enrolled in one or more credits and all international students. |
| Who is not covered by the insurance plan? | Students who are on their parent's health plan, students with their own personal health insurance plan, students with Medicaid outside the state of Idaho or Washington, students with fixed indemnity plans, short-term plans, supplemental or reimbursement plans. |
| What does the insurance plan cover? | Medical and prescription coverage. |
| How much does the insurance plan cost? | The average monthly cost of SHIP medical and prescription coverage is approximately $180 per month for 2024-2025. |
| How often is the insurance plan billed? | SHIP fees are charged per semester. |
| Can dependants be added to the insurance plan? | Yes, students enrolled in SHIP may now opt to have their spouses and children covered as well by filling out the Dependent Coverage SHIP Form. |
| What is the process for adding a dependent to the insurance plan? | Fill out the Dependent Coverage SHIP Form. |
| Are there any other requirements for the insurance plan? | All personal health insurance plans must adhere to the Affordable Care Act’s regulations. Proof of comparable coverage or minimum coverage guidelines for domestic and international students is required to be eligible to opt out of SHIP. |
| What happens if a student does not have insurance? | Students who are uninsured will be enrolled in SHIP and the charge will be placed on the student’s account. |
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What You'll Learn
The University of Idaho's Student Health Insurance Program (SHIP)
Eligibility and Requirements:
The University of Idaho requires all full-time degree-seeking students enrolled in 12 or more credits, graduate and law students enrolled in nine or more credits, student-athletes, and international students to have adequate health insurance coverage. Students can either provide proof of personal health insurance that meets the minimum requirements or enroll in the university's SHIP plan. Personal health insurance plans must adhere to the Affordable Care Act's regulations and cannot have gaps in coverage of more than seven days.
Coverage and Benefits:
The SHIP plan offers comprehensive benefits, including medical and prescription drug coverage. Students enrolled in SHIP will receive notifications about their enrollment status and instructions for accessing benefit information, provider lists, and proof of insurance cards through their official Vandal email. The average monthly cost of SHIP for the 2024-2025 academic year is approximately $180 per month. Students can also request an adjusted effective date for early enrollment if they need to be on campus before the start of the semester.
Dependent Coverage:
Recognizing the importance of family health, the University of Idaho allows students enrolled in SHIP to extend their coverage to their dependents, including spouses and children. Students wishing to add a dependent to their SHIP policy can do so by filling out the Dependent Coverage SHIP Form. This option ensures that not only the students but also their loved ones have access to healthcare, contributing to a successful collegiate experience.
Billing and Charges:
SHIP fees are charged per semester as a separate line item (Medical Insurance) on the student's account and can be covered by financial aid. Students are required to submit their personal insurance information online before the first day of the semester to ensure compliance and avoid late fees. The Student Accounts Office coordinates charges and billing, adhering to the university's financial terms and conditions.
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Dependants and the Affordable Care Act (ACA)
The Affordable Care Act (ACA) has brought about significant changes in the realm of health insurance, particularly concerning dependants and their coverage. Before the ACA, adult children could be removed from their parents' health plans due to age restrictions, causing concern for many families about losing coverage after college graduation. However, the ACA has implemented new rules that offer greater protection and peace of mind.
Under the ACA, plans and issuers that provide dependent child coverage are required to maintain this coverage until the child reaches the age of 26, regardless of their marital status, student status, or place of residence. This provision applies to all plans in the individual market and employer plans, ensuring that young adults can remain on their parents' insurance plans for a more extended period. This change has eliminated the worry of immediate loss of health coverage for young adults as they transition into independence.
The ACA also brings tax benefits in relation to dependent coverage. The value of employer-provided health coverage for an employee's child is excluded from the employee's income until the end of the taxable year in which the child turns 26. Furthermore, if coverage extends beyond the child's 26th birthday, the value of the coverage can remain excluded from the employee's income for the entire tax year in which the child turned 26. This provision allows for a smoother transition as young adults navigate their healthcare options after aging out of their parents' plans.
The University of Idaho's Student Health Insurance Program (SHIP) adheres to the regulations set forth by the ACA. Students enrolled in SHIP can opt to have their dependants, such as spouses and children, covered under their insurance plan. This extension of coverage ensures that the student's loved ones also have access to healthcare services, recognising that their health is crucial to the student's academic success. The University of Idaho prioritises the health and wellness of its students and strives to remove obstacles that may hinder their academic journey.
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Dependants and out-of-state health insurance
The University of Idaho requires that all full-time degree-seeking students enrolled in 12 or more credits, graduate and law students enrolled in nine or more credits, student-athletes enrolled in one or more credits, and international students, must provide proof of personal health insurance before they can complete their enrollment. This is to ensure that the student's health and wellness are preserved, and that access to health services and payments for healthcare services do not hinder a student from achieving their academic goals.
The University of Idaho offers the Student Health Insurance Program (SHIP) for students who are uninsured or whose insurance does not meet the minimum requirements. Students enrolled in SHIP will receive an email notification when their enrollment is processed. They can then access benefit information, network provider lists, proof of insurance cards, and claim details.
Students who wish to add a dependent to their SHIP policy can do so by filling out the Dependent Coverage SHIP Form. Dependent coverage extends the student's health insurance plan to cover family members such as spouses and children.
Regarding out-of-state health insurance, the specific rules and coverage details can vary by plan and location. It is recommended to check with your health insurance provider to understand the extent of your coverage when travelling or moving to another state. Some plans may not be available in certain states, and using out-of-network providers can result in higher costs. In the case of moving to another state, it may be necessary to update your health insurance plan or switch to a plan with wider coverage. Moving to a new state also typically triggers a special enrollment period, allowing you to enroll in a new health insurance plan.
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Adding dependants to your SHIP policy
The University of Idaho's Student Health Insurance Program (SHIP) allows students to add their spouses and children as dependents to their policy. This is an extension of the insurance plan that covers family members of the insured.
To add a dependent to your SHIP policy, you must fill out the Dependent Coverage SHIP Form. You can download the 2024-25 SHIP Cost, Coverage, Enrollment, and Benefits Brochure (PDF) from the University of Idaho website to learn more about the benefits and providers associated with the program. This brochure provides information on benefits outside of the Vandal Health Clinic, which is available at uhcsr.com/uidaho.
It is important to note that all domestic full-time degree-seeking students enrolled in 12 or more credits, graduate and law students enrolled in nine or more credits, student-athletes enrolled in one or more credits, and all international students are required to show proof of personal health insurance before enrolling in academic classes at the University of Idaho. This proof of insurance must adhere to the Affordable Care Act's regulations and meet specific compliance standards. For instance, the insurance plan must cover hospital stays for medical, surgical, and inpatient mental health conditions, and it must not have any limitations or exclusions on pre-existing conditions.
If a student is discovered to be uninsured or their insurance does not meet the minimum requirements, they will be automatically enrolled in SHIP, and the charge will be placed on their student account. Students can also request an early effective date for their SHIP coverage if they need to be on campus or participate in university activities before the start of a semester. This request can be made by sending an email to [email protected], including specific personal and academic details.
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Dependants and the Dependent Care Spending Account
The University of Idaho offers a Student Health Insurance Program (SHIP) that allows students to add their spouses and children as dependants. This is known as dependent coverage, which is an extension of the student's health insurance plan.
The Dependent Care Spending Account is a flexible spending account that allows you to use pre-tax dollars to pay for eligible dependent care expenses. This account is typically offered by employers to their employees, and it can provide significant tax savings. By contributing to a Dependent Care Spending Account, you can reduce your overall tax burden as the funds are withdrawn from your paycheck before taxes are deducted. This means you'll pay less in taxes and take home more of your paycheck.
It's important to note that the money you contribute to this account must be used within the plan year and grace period. Any remaining funds in your account after the benefit period will be lost. Therefore, it's recommended to estimate your annual eligible dependent care expenses before deciding on your contribution amount. Eligible expenses may include before and after-school care programs for dependents under the age of 13, nursery school, babysitting services, and care for disabled dependents.
The Dependent Care Advantage Account (DCAA) is another option available specifically to New York State employees, which allows them to pay for up to $5,000 in custodial care expenses for dependent children under the age of 13, elder care, or disabled dependent care while they are at work. This account provides tax-free benefits, allowing employees to save money while taking care of their loved ones.
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Frequently asked questions
Yes, the University of Idaho requires all full-time degree-seeking students enrolled in 12 or more credits, graduate and law students enrolled in nine or more credits, student-athletes enrolled in one or more credits, and all international students to have health insurance.
Students who are uninsured will be enrolled in the Student Health Insurance Program (SHIP) and the charge will be placed on the student's account.
Yes, students enrolled in SHIP may now opt to have their spouses and children covered as well. To add a dependent to your SHIP policy, fill out the Dependent Coverage SHIP Form.
