FAQ: Seattle University Student Health Insurance Plan & Waiver
Will I pay the full premium of $2181 for the student health insurance all at once? No, the academic year is broken down into three terms: fall, winter, and spring/summer. For each term that you are enrolled, that portion of the premium will be billed to your student account unless you have successfully waived the insurance for the year.
I graduate at the end of fall quarter; will I have the student health insurance through 8/31/20? No, your enrollment continues each quarter you are registered for classes. If you graduate, take a leave of absence, or withdraw the insurance policy will end with the quarter. The only exception is spring/summer, which is a combined term therefore if you graduate at the end of spring quarter you will have the student health insurance plan through 8/31/20.
What if I want to pay the full premium for the rest of year all at once? Unfortunately, you are only eligible for enrollment when you are registered for classes and billed by term.
Since I’m enrolled term by term, am I covered over school breaks and between quarters? Yes, if you remain continuously enrolled as a full time student fall through spring quarter you will have continuous insurance 9/1/19 – 8/31/20.
If I have my own insurance, do I need to submit a waiver every quarter? No, waivers only need to be completed once per academic year, which is usually in the fall.
My first full-time quarter at Seattle University was in the winter or spring quarter and I waived the student health insurance. When will I need to submit my next a waiver? Your next waiver will need to be submitted at the beginning of the next academic year, which would be fall quarter. An email is sent out to all continuing students to remind them that they need to submit their yearly waiver.
I forgot about the waiver and didn’t complete it by the deadline, what do I do now? You will have the opportunity to submit a waiver next term.
My parents added me on their insurance starting on 1/1/20, how do I get off the student health insurance plan? At the beginning of each term, you have the option of completing a waiver if you haven't already completed one this academic year. You will want to submit a waiver before the deadline for winter quarter.
I have voluntarily enrolled in the student health insurance plan; can I just pay for the full academic year? No, you will need to enroll each term because you are only eligible for enrollment when you are registered for classes. You will need to enter the JCB student insurance portal at the beginning of each term to confirm continued enrollment in the plan and pay the premium. The only exception is if you enroll in the spring/summer term, you will not need to reenroll until the following fall term.
Can I enroll my dependents? Yes, you will need to enter the JCB student insurance portal at the beginning of each term to confirm continued enrollment of your dependents in the plan and pay the premium. The only exception is if you choose the spring/summer term you will not need to reenroll until the following fall term.
How does the SHC work with insurance? The cost to see a Nurse Practitioner in the SHC is a $5 administrative visit fee and insurance is not billed. There are some in clinic tests, procedures, supplies, medications, and vaccines that carry an additional cost that is paid at the time the student is seen in the clinic. The SHC does not bill insurance for these additional costs with the exception of the Aetna Student Health plan when enrolled through Seattle University. For students with insurance other than SHIP, a receipt is available if you would like to submit to your insurance company requesting reimbursement if it is a covered benefit. In general, the time that you would be using your insurance is for services such as lab work, x-rays, prescriptions and providers outside of the SHC. Insurance will also be needed for access to ER, urgent care, hospitalizations and procedures.
I called my insurance company and the Seattle University Student Health Center isn’t in network? Since the Nurse Practitioners don’t bill your insurance for their time then it’s generally not a problem that they’re not in network. You will only need to pay the $5 visit fee to see the NP. Your insurance would be needed for services such as lab work, x-rays, or referrals to specialists. Insurance is also needed for access to ER, urgent care, hospitalizations and procedures. Occasionally an insurance restricts out of network providers from referring to a specialist or order more expensive test; check with your insurance to see if this is an issue for your policy.
Should I get the student health insurance or stay on my parents? This is a personal choice to discuss as a family. The most important point to consider is how well your insurance covers you in the Seattle area and if that’s an acceptable level for you. Even students who are healthy could have a change in their health status requiring them to access healthcare in the Seattle area.
What is a deductible and why is it important to know? A deductible is a set amount of money you must pay for services before your insurance begins paying claims. For the Seattle University Student Health Plan, that deductible is $100. Many services apply to your deductible, so services like lab work, x-rays, MRIs, ambulance rides, surgeries, and much more all apply to that $100 deductible. For services received at the Seattle University Student Health Center (SHC), the deductible is waived and benefits will be paid at 100% for eligible health services including lab work performed at LabCorp if referred by the SHC. You will only need to pay the $5 administrative fee if seen by a Nurse Practitioner in the SHC.
What is an EOB? An EOB is an Explanation of Benefits. These are extremely important to keep track of when you receive lab services or visit a physician off campus because you will be billed according to these EOBs. An EOB will have all of your personal and insurance information at the top, and at the bottom will describe all the services that were billed to the insurance company during your visit. The most important thing to pay attention to on these EOBs is the “Patient Balance" portion. This Patient Balance will clearly explain how much you owe for your visit, lab work, x-ray, etc.