Health Insurance

Insurance Requirements

Health insurance is required of all students enrolled in 7 or more La Mirada campus units and/or with living arrangements in housing with a residence life program. All students that qualify under this requirement are automatically enrolled in the Student Injury and Sickness Insurance Plan and charged all applicable fees. Students that are enrolled in an acceptable private health insurance plan can submit their insurance information to Biola University in order to apply for waiver of the Student Injury and Sickness Insurance Plan. Students that desire to apply for waiver must do so at the time of enrollment.

For students that waive coverage, Biola University reserves the right to audit the coverage parameters of any health plan at any time, and to revoke any prior waiver if it is determined that the required conditions are not satisfied. Unless alternative acceptable coverage is submitted, Biola University reserves the right to enroll students in the Student Injury and Sickness Insurance Plan should coverage submitted under a waiver lapse during the course of an academic year.

Student Health Insurance Waiver: Guidelines for Acceptable Coverage

Students that apply for waiver must be covered under a private health insurance plan that meets the following standards for acceptable coverage:

  1. Compliant with ACA (Affordable Care Act)
  2. Beginning with the 2014/2015 school year, unlimited coverage maximum benefit per person, per policy year
  3. Maximum out of pocket for individuals: $6,350 Maximum out of pocket for families: $12,700
  4. Coverage for the following essential health benefits:
    • Ambulatory Patient Services
    • Emergency Services
    • Hospitalization
    • Illness and Injury Services
    • Laboratory and X-Ray Services
    • Maternity and Newborn Care
    • Mental Health and Substance Abuse Services, including behavioral health treatment
    • Prescription Drugs
    • Rehabilitative and Habilitative Services and Devices
    • Preventative and Wellness Services, and Chronic Disease Management
    • Pediatric Services, including oral and vision care

All HMO, federal, and state sponsored plans must provide coverage in the Southern California area while students are enrolled for classes.

Students are encouraged to compare deductibles, total out-of-pocket costs, and premiums before submitting an application for waiver. Ensuring that provisions have been made to cover these costs is considered the responsibility of the student.

Student Health Insurance Information

RATES
  Annual Fall Spring/Summer Summer
  8/1/13 - 7/31/14 8/1/13 – 1/31/14 2/1/14 – 7/31/14 6/1/14 – 7/31/14
Student 1,840.00 $920.00 $920.00 $310.00
Spouse 4,632.00 $2,316.00 $2,316.00 $771.00
Each child 1,547.00 $774.00 $774.00 $257.00

2013/2014 Student Injury and Sickness Insurance Plan Flyer (Domestic) (PDF)

2013/2014 Student Injury and Sickness Insurance Plan Flyer (International) (PDF)

2013/2014 FAQ for Student Injury and Sickness Insurance Plan (PDF)

2013/2014 Student Injury and Sickness Insurance Plan (Detail) (PDF)

For more information, please visit Gallagher Koster's website

What changes have been made to the plan for the 2013-2014 Policy Year?

The Biola University Student Health Insurance Plan is compliant with the second phase of Federal Health Care Reform:

  • The plan maximum has been increased from $100,000 per policy year to $500,000 per policy year.
  • FrontierMEDEX is the new travel assistance provider for the 2013-2014 policy year.

What is covered under the Student Health Insurance Plan?

  • The plan offers comprehensive benefits that include hospital room and board, inpatient and outpatient surgical procedures, labs and x-rays, chemotherapy and radiation, inpatient and outpatient mental health services, physician office visits, consultant visits, ambulance, emergency care and prescription drugs.
  • Preventive Care Services are available to cover routine physicals and examinations, routine screenings, routine GYN examinations, and most immunizations with no cost sharing for a student when services are received by a Preferred Provider.
  • The maximum benefit allowed per policy year is $500,000.
  • Services provided by a Preferred Provider are generally covered at 80%, while services provided by an Out-of-Network Provider are generally covered at 60%.
  • Please refer to the plan brochure available at www.gallagherkoster.com/biola by clicking on ‘My Benefits and Plan Information’ for complete details about coverage, limitations, and exclusions.

NAIA Collegiate Sports

All students involved in NAIA intercollegiate sports are automatically enrolled in a secondary athletic insurance policy. For more information, contact the Athletic Department at (562) 903-4887.