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Insurance

Insurance Requirements

Health insurance is required for all domestic students enrolled in seven or more La Mirada campus units and for all international students regardless of unit load. Students that qualify under these requirements are automatically enrolled in the Student Health 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 Health 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 Health Insurance Plan should coverage submitted under a waiver lapse during the course of an academic year.

Insurance Waiver: Guidelines for Acceptable Coverage

Students that apply for a Student Health Insurance 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. Maximum out of pocket for individuals: $8,150
    Maximum out of pocket for families: $16,300
  3. 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 up to age 19

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.

2020–21 Student Health Insurance Information

Rates

Fall (8/1/20-12/31/20) Spring/Summer (1/1/21-7/31/21)
Student $1,070.00 $1,070.00
Spouse $1,070.00 $1,070.00
One Child $1,070.00 $1,070.00
Two or More Children$2,140.00$2,140.00

Disclaimer: The rates have not been approved by the California Department of Insurance (CDI), and are subject to change based on CDI review.

For more information, please visit Gallagher Student Health's website.

Enrollment & Waiver deadlines:

  • Fall 2020 — Friday, October 2, 2020
  • Spring 2021 — Friday, February 12, 2021

2019–20 Student Health Insurance Information

Rates

Fall (8/1/19–12/31/19) Spring/Summer (1/1/20–7/31/20)
Student $1,070.00 $1,070.00
Spouse $1,070.00 $1,070.00
One Child $1,070.00 $1,070.00
Two or More Children$2,140.00$2,140.00

Disclaimer: The rates have not been approved by the California Department of Insurance (CDI), and are subject to change based on CDI review.

For more information, please visit Gallagher Student Health's website.

Enrollment & Waiver deadlines:

  • Fall 2019 — Friday, October 4, 2019
  • Spring 2020 — Friday, February 14, 2020

Insurance FAQs

How do I know if I need the Student Health Insurance Plan?

Biola requires all domestic students taking seven or more on-campus units and all international students studying in the United States (regardless of unit load) to purchase Biola’s Student Health Insurance Plan or waive out of it by providing proof of a health insurance plan that is both ACA compliant and comparable to the plan offered through Biola. Enrolling in or waiving the student insurance is a part of your MyAccount enrollment tasks and must be completed every semester you are eligible.

What is covered under the Student Health Insurance Plan?

This Preferred Provider Org. (PPO) plan through United HealthCare Student Resources (UHCSR) 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. 

Preventative 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 In-Network Providers. 

Services provided by a participating In-Network provider are generally covered at 80%, while services provided by an Out-of-Network Provider are generally covered at 60%.

For a complete description of the benefits available, including limitations and exclusions in the Student Health Insurance Plan, visit Biola's Gallagher Student site or call Gallagher Student Health at (800) 395-0959. View all Gallagher brochures here.

Please note dental and vision are only included for minors under 19 years of age. There are, however, dental and vision discounts available. Check with Gallagher for more information.

Click here for the most up-to-date information from UHCSR regarding COVID-19.

What are the enrollment/waiver deadlines?

Each fall and spring semester, there are enrollment/waiver deadlines. This date is the last day to make any changes to your insurance status. If you wish to enroll in the Student Health Insurance Plan or cancel your coverage and receive a refund, you must do so on or before this date. See above for the current semester’s deadlines.

What if I was charged for the Student Health Insurance Plan but I have my own coverage?

Students who are required to have health insurance are automatically enrolled in the Student Health Insurance Plan unless they provide waiver information at the time of enrollment. If you notice you were charged for the student insurance but wish to waive, contact the insurance coordinator at health.center@biola.edu no later than the enrollment/waiver deadlines found here on our website.

How do I change my insurance selection after completing online enrollment?

Once you complete your health insurance task, you can not make any changes through MyAccount. As long as you contact the insurance coordinator at health.center@biola.edu before the enrollment/waiver deadline though, we can still make adjustments for you up to that date.

I did not receive the Health Insurance Task. How can I enroll in the Student Health Insurance Plan?

All international students living in the United States are eligible for the Student Health Insurance Plan. Domestic students must be taking at least seven units with at least three of those being on-campus units. Online domestic students are not eligible. Please contact the insurance coordinator at health.center@biola.edu if you believe you are eligible but did not receive the health insurance task.

Will my insurance ID card be mailed to me?

United HealthCare Student Resources does not automatically mail your insurance ID cards. To access a copy and set up your online account with them, visit uhcsr.com/myaccount. If you would like a traditional card mailed, you can request one through that online account.

Can I be seen in the Student Health Center if I do not have the Student Health Insurance Plan?

Yes! The Student Health Center is available to all on-campus students regardless of insurance status.

Will the Student Health Insurance Plan cover all my costs if I visit the Student Health Center?

The Student Health Center does not bill insurance. Office visits themselves are always free but if you receive a chargeable service (medications, lab work, immunizations, breathing treatments, physicals, etc.), your visit may have a bill attached to it. Students must pay this bill out of pocket no matter what insurance they have. The front office can then provide a copy of the bill sheet for the student to submit to their insurance company for possible reimbursement (Students with Medicare/Medicaid are not able to submit for reimbursement).

How do I process a claim with the Student Health Insurance Plan?

For instructions on processing a claim, see Gallagher’s website.

Do I need to update my insurance status every semester?

Yes, if you are required to have health insurance, you will need to complete the health insurance task every semester during enrollment.

What if I purchased the Student Health Insurance Plan but end up needing to withdraw from Biola?

If you withdraw from Biola BEFORE the insurance waiver/enrollment deadline and have NOT used the Student Health Insurance Plan, your coverage will be cancelled and you will receive a full refund. If you have already used the plan, you keep your coverage. If you withdraw from Biola AFTER the insurance waiver/enrollment deadline, you keep your coverage.

What if my insurance waiver information changes mid-semester?

If your personal health insurance changes at any point mid-semester, please update your information directly with the insurance coordinator at health.center@biola.edu.

What if I age out of my parents’ insurance or lose my personal insurance mid-semester?

If you lose your insurance mid-semester due to a qualifying event such as aging out of your parents’ plan or losing a job, you can submit a Petition to Add directly to Gallagher. Be sure to do this no later than 30 days after losing your coverage (and preferably earlier to avoid any lapse in coverage). In order to enroll through a Petition to Add, you must still meet the usual eligibility requirements.

How do I enroll a new child mid-semester?

If you have a new child you would like to add as a dependent mid-semester, you may submit a Petition to Add directly to Gallagher. Be sure to do this no later than 30 days after your child’s date of birth or adoption.