Health Insurance
General Insurance Requirements
- All students enrolled in 7 units or more are required to have health insurance coverage.
- All students living on campus (regardless of unit load) are required to have health insurance coverage.
- Students enrolled in less than 7 units have the option of enrolling in health insurance if they are considered a full-time student by the university. Contact the Health Center for more information.
Eligible students who are unable to provide proof of coverage at the time of registration will be enrolled in the Student Health Insurance program.
2012/2013 Student Injury and Sickness Insurance Plan (Flyer) (PDF)
2012/2013 FAQ for Student Injury and Sickness Insurance Plan (PDF)
2012/2013 Student Injury and Sickness Insurance Plan (Detail) (PDF)
For more information, please visit Gallagher Koster's website
Student Health Insurance Information
| RATES | |||
|---|---|---|---|
| Fall | Spring/Summer | Summer | |
| 8/1/12 – 1/31/13 | 2/1/13 – 7/31/13 | 6/1/13 – 7/31/13 | |
| Student | $848.00 | $848.00 | $288.00 |
| Spouse | $2,148.00 | $2,148.00 | $717.00 |
| Each child | $717.50 | $717.50 | $240.00 |
What changes have been made to the plan for the 2012-2013 Policy Year?
- The student health insurance plan is compliant with the first phase of health care reform.
- This means that internal benefit limitations have been removed and the benefit will be paid up to $100,000 per injury or sickness per policy year for the following:
- Removed the $1,000 maximum per policy year from inpatient and outpatient physician services under the Psychotherapy Benefit
- Removed the $500 maximum per day from inpatient room and board under the Psychotherapy Benefit
- Removed the 10 day maximum from inpatient services under the Psychotherapy Benefit
- Removed the $1,200 maximum per policy year from the outpatient Physiotherapy Benefit
- Removed the $1,000 maximum per injury or sickness from the Diagnostic X-ray & Laboratory Services Benefit
- Removed the $1,500 maximum per injury or sickness from the Medical Emergency Expenses Benefit
- Removed the $1,000 maximum per policy year from the Prescription Drug Benefit
- Removed the $1,200 maximum per policy year from the Ambulance Services Benefit
- Removed the $1,000 maximum per policy year for “Essential” Items from the Durable Medical Equipment Benefit
- Removed the $175 maximum per day/45 day maximum per year on the inpatient Alcoholism/Drug Abuse Benefit
- Removed the $25 maximum per visit/50 visits per year from inpatient and outpatient physician’s visits under the Alcoholism/Drug Abuse Benefit
- Removed the $20 copayment from the Routine Well-Child Care Benefit
What is covered under the Injury and Sickness 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.
- The maximum benefit allowed for each accident or sickness is $100,000, however there are several additional expense limitations within the plan. As a result students should refer to their brochure schedule for details.
- Services provided by a participating network provider are generally covered at 80%%, while services provided by a non-network provider are generally covered at 60%.
- Please refer to the plan brochure available at www.gallagherkoster.com/biola and click 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.