Statewide Student Health Insurance Proposal

Statewide Student Health Insurance Proposal

Purpose: The purpose of this proposal is the procurement of a statewide

student health insurance program for all Idaho’s college and

university students. Furthermore, the purpose of this proposal is to decrease mandatory insurance premiums for our students and increase their health insurance benefits.

Plan: Unite the colleges and universities of Idaho for one purpose:

statewide student health insurance.

Benefits: Administration of the plan would be greatly reduced. Instead of

each college or university administering their own individual plan,

they would simply administer their own institutions plan and serve

their own students.

The increase in a group number for an insurance company

certainly would give our students a monetary relief in premiums.

The larger the group “base”, in this case students, is of great

benefit to all who subscribe to the plan. This would be very

similar to the statewide plan that many Idaho employees benefit

from.

The insurance package that each college and university offers

could be upgraded to a policy with far more coverage. You will

find that the University of Idaho has a far superior insurance

package than that of other colleges and universities in Idaho.

All students within Idaho could enjoy such a fine policy and the

premiums could be greatly reduced for all students, including those

at the University of Idaho.

Preferred network providers would be statewide thereby giving

students access to plan providers throughout the State of Idaho.

This would be especially beneficial for the colleges that are in

the same geographical area; i.e., Albertson College of Idaho and

Boise State University or Lewis-Clark State College and The

University of Idaho. There are many students that live outside

the boundaries of insurance plan providers that would benefit.

Also, the student would have insurance coverage while traveling

during the holiday season or living elsewhere in the State during

the Summer months.

Committee: A committee could thereby be formed whereas each administrator

representing their own institution would be a member. They could

meet on a regular schedule in person or via phone conference to

discuss any details or administration of the plan. The “sharing” of

information would be a consolidation of knowledge, thereby

keeping all members / institutions on the “same page”.

Statewide Student Health Insurance Proposal

According to the Idaho State Board of Education’s “Governing Policies and

Procedures” Section III. Postsecondary Affairs, Subsection: P Students dated

August 2002, number 16 states, “Each institution shall provide the opportunity for

students to purchase health insurance. Institutions are encouraged to work together to

provide the most cost effective coverage possible.”

At that time, it appeared to be a desire of the Idaho State Board of Education

to see our colleges and universities work together on this very large and important

issue. The Idaho State Board of Education had the foresight at that time to see the

issue for being necessary and monumental. This proposal is in many respects is

echoing what has already been said by the State Board, themselves.

If it is possible to mandate that each postsecondary student have medical

insurance, then is it not also possible to mandate a way in which not only the students

could acquire better coverage for lower premiums, but also mandate the same policy

that would save all of our postsecondary institutions administration time and costs?

This is a win – win situation for students and institutions, both.

For Information Purposes Only

Statewide Student Health Insurance Proposal

2002 - 2003 Figures


	Annual			Max Per
College	Premiums	Deductible	% Paid	Injury/Illness

Lewis-Clark State College	$ 335.00	$ 150.00	80%	$ 15,000.00

North Idaho College	$ 470.00	$ 10.00	80%	$ 25,000.00

BYU – Idaho College	$ 260.00	$ 200.00	80%	unknown

University of Idaho	$ 644.00	$ 250.00	90%	$ 500,000.00

Albertson College of Idaho	$ 412.00	$25 / $50	unknown	$ 10,000.00

Boise State University	$ 487.00	$ 500.00	80%	$ 50,000.00

Eastern Idaho Technical College	$ 96.00	$ -	80%	$ 11,500.00

Idaho State University	$ 262.00	$ 100.00	75%	$ 20,000.00

College of Southern Idaho	Unknown	Unknown	Unknown	Unknown