Health Insurance

Updates from the Student Health Insurance Committee.


Letter to Duke University Health System concerning mental health coverage for students

This letter was sent by the sub-committee on health insurance upon the recommendation of Dr. Moneta. The addressees, along with CAPS and Dr. Moneta, have been working to improve the access to mental health services and this letter is intended to encourage that work. Hopefully we will see a resolution soon.


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20071204_Dzao_Fulkerson.pdf13.16 KB

Health Insurance Sign-up

Sign-up now for the 2007-08 Duke Student Medical Insurance Plan on ACES:

http://www.siss.duke.edu/siss/aces

Signing up early ensures the timely arrival of your insurance card and reduces the number of e-mail reminders you will get from the Bursar's Office.  A full breakdown of the premium for this year's policy will be posted shortly.  The Graduate School will pay for insurance for Ph.D. students in their first through sixth year (after matriculation). 


Announcement from the Graduate School

E-mail from the Graduate School (approximately March 3, 2007) appears in GPSCNews.


Health Insurance Town Hall Meeting

Thank you all who came to the meeting last Wednesday, February 21.  Attached is a brief summary of what happened.  I am pleased to report that we are already gathering some of the answers to the questions asked at that meeting.  They will be posted below.


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20070221_summary.doc29.5 KB

Presentation to SHIAC by Hill, Chesson, and Woody

Attached is a copy of the presentation given to SHIAC by Hill, Chesson, and Woody on November 9, 2006.


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20061109HillChesson.pdf694.67 KB

Presentation to the General Assembly

Attached is a copy of the presentation to the General Assembly on Feb. 6, 2007.


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20070206_presentation_to_GA.ppt186.5 KB

Mission and Vision Statement submitted to SHIAC

This is the mission and vision statement proposed to the Student Health Insurance Advisory Committee (SHIAC).

Vision Statement

The committee envisions all Duke students, their families, and their dependents with access to the health care needed in a timely fashion at the lowest possible cost.

Mission Statement

 

It is the goal of the committee to be transparent in its efforts to ensure that:

  • nNo student is without quality health insurance;
  • nDesired benefits are provided at the least possible cost*;
  • nStudents have access to a strong, effective network of providers;
  • nThe insurance plan takes advantage of Duke’s resources while also enabling students to be autonomous in their health care decisions;
  • nAs much of the premium or fund contributions as possible will be returned to the covered individuals in the form of benefits*;
  • nThe total health of the student will be provided for, including mental health;
  • nResources available to assist students in making good health care decisions will be continually improved;
  • nThe administration of the student health insurance plan will be done in a culturally competent manner that is sensitive to students’ national, religious, and ethnic preferences with regards to health care and to respond to the unique health needs of students;
  • nBoth the student health insurance administration and the student health center will try whenever possible to offer preventative care before normal treatment would be required;
  • nThose we work with to provide these services offer the same level of transparency to the student body (the student body is consulted in decisions where possible).

* Taken from the American College Health Association, “Standards for Student Health Insurance/Benefits Programs,” available at: http://www.acha.org/info_resources/stu_health_ins.pdf .


Duke Student Health Insurance

The student health insurance plan will undergo changes next year in the benefits and premium structure. There will be an increase in the mental health benefit in response to problems that CAPS has identified with affordable mental health. There will also be an increase in the deductible and out-of-pocket maximum from $100 and $1000 to $150 and $1500 respectively. Our plan has not experienced any increase in the deductible of out-of-pocket maximum and has thus not kept up with inflation to say nothing of increases in healthcare costs. This change will also reduce the total premium by a greater amount than the improved mental health benefit will cost.

A flat rate premium has caused some young students to leave the plan which causes the entire plan to become more expensive - as younger members are less expensive to insure. Lastly, there will be separate riders available for spouse and any number of children. This will result in a significant savings for students who will only insure a spouse or child/children. Even for one child, we propose that the Duke premium be less than the comparable rates.

For more information see:
Introduction
Hill, Chesson, and Woody Presentation to GPSC - March 20, 2006
Peer institution comparison (Note: these comparisons do not include student health fees or co-pays charged by the schools listed)
Subcommittee explanation of presentation
Subcommittee proposal - March 30, 2006

Current news (copies of communications for your convenience):
LETTER: Original announcement from Dr. Purdy, May 1, 2006
LETTER: Original announcement for international students, May 1, 2006
LETTER: Graduate School announcement, May 3, 2006
LETTER: Decision to allow international students to opt-out, May 10, 2006

Additional References:
Duke Plan Member Guide
Hill, Chesson, and Woody
Duke Student Health Insurance Blog
e-mail: dukestudentinsurance@gmail.com