Student Health

Health Insurance

ATTENTION MAY GRADUATES!!!!!

For those students that are graduating in May the student medical insurance coverage ends on 07/31/2014.  Graduating students who have been continuously covered by the student insurance for at least the 6 months ending on 7/31/2014 are to eligible purchase continuation of coverage.

At this time, the link for the continuation of coverage premium rates and/or to submit an enrollment is not available yet.  The link will be made available in the month of July 2014.

Open Enrollment Updates ***

Thank you for your interest in the Duke Student Medical Insurance Plan. We are in the process of developing the premium rates for the 2014-15 plan year. At this time, we are not processing any enrollments or waivers for Fall 2014 (effective date of 08/01/2014). We will have an early enrollment period later this spring. Students who are not registered for classes in the summer terms are not eligible for the student insurance at this time.

If you are an incoming Fuqua School student, please monitor communications from the School for updated information.

Please monitor our website as we will provide updates with any new information pertaining to the SMIP, including new rates once they have been finalized. We appreciate your patience and understanding.

Medical Insurance

All students are required to maintain adequate medical insurance during their enrollment at Duke University. You must complete either the enrollment or waiver process within the open enrollment period. Failure to do so will result in a delay in coverage or a charge for insurance you do not need.

Duke offers a Student Medical Insurance Plan (SMIP) designed to meet the needs of students who have no insurance or inadequate coverage in the Durham, NC area. Please review your coverage. While it may be acceptable for a waiver, it may not provide the kind of security and coverage our student plan, tailored to a Duke student’s specific needs, would Information about SMIP is available on the Student Health website.

OPEN ENROLLMENT/WAIVER PERIOD
Open enrollment will begin in early June and end September 5, 2014 for Fall 2014. You will receive an email via your Duke.edu email account with the specific date.

WAIVER REVIEW
In addition to waiver approval by the automated system, please note that all waiver requests will be reviewed by the Student Health Insurance Manager. If the waiver submitted does not meet the waiver criteria, you will be enrolled in the SMIP.

Details about the plan benefits is available at the StudentBlue website: https://www.bcbsnc.com/content/studentblue/duke/index.htm

New students enrolled for summer classes or students that have lost individual coverage will need to complete a Duke Exception Form.  ***Online enrollment/waiver at this time is not available since summer enrollment is optional students will need to complete the form individually and follow return the form via fax attn. to Anna Kenyon (919) 681-2874 or email anna.kenyon@duke.edu***  Open enrollment is over at this time.

Details about the plan benefits is available at the StudentBlue website: https://www.bcbsnc.com/content/studentblue/duke/index.htm

Duke University SMIP Premium Spring 2014 Effective 01/01/2014 through 07/31/2014

Age GroupPremium
Under age of 24 years$1,115
Between 24-34 years$1,340
Between 34-44 years$1,875
Between 45-54 years$2,750
Over 55 years$3,810
Dependents
Spouse$2,195
Child/ren$1,250
Family$3,335

A portion of the cost of the SMIP is retained by Duke University to pay for administrative costs incurred by the University and for reserve funds. Any portion of the cost of the plan retained by Duke University is encumbered solely for the purpose of funding plan expenses or the equitable and non-discriminatory benefit of plan participants.

***Dependents premium is paid directly by the student to StudentBlue***

Undergraduate students receiving need-based financial aid who do not have comparable coverage (and apply for and are denied a health insurance waiver) will receive an increase in their Duke grant after Fall add/drop to cover the cost of the annual insurance.

Waiver Criteria

Students may waive the Duke SMIP if the following criteria are met:

  • The student does not hold a F1 or J1 visa
  • The Claims administrator is based in the United States and has a U.S. telephone number and address for submission of claims and the insurance policy has not been issued outside the U.S.
  • The policy is not a traveling policy
  • The plan provides both emergency and non-emergency health care and mental health benefits in the Durham area, N.C. area
  • Out of state Medicaid and state Children’s Health Insurance Plans do not cover non-emergency care in Durham
  • The plan has participating hospitals, physicians, pharmacies, and mental health providers in the Durham, N.C. area, including Duke Medicine
  • The plan provides inpatient and outpatient mental health care (with at least 30 visits per year) and chemical dependency benefits are comparable to the coverage provided by the Duke SMIP
  • The plan provides coverage for prescription medication
  • The lifetime benefit is at least $500,000 or more
  • The policy does not have a pre-existing condition waiting period

International Students
 
If you are an international student holding a F1 or J1 Visa, enrollment in the Duke Student Medical Insurance Plan is mandatory. Follow directions to enroll.  Please note that neither traveling insurance nor medical insurance policies issued from your country of origin or outside the U.S. or Canada will be accepted as a means to waive the Duke SMIP.
 
Please contact your insurance carrier to inquire if Duke University Health Systems and physicians (Private Diagnostic Clinics) known as Duke Medicine are in-network for non-emergency care. 
 
If the Duke SMIP is waived, the student or guardian is responsible for any medical bills that occur and are not covered by your insurance. Please contact your insurance company for specifics on benefits. Duke Student Health employees are not able to determine your out-of-pocket cost and are not able to negotiate with Duke Medical Center’s billing services on your behalf.

If you have any questions, please contact Anna Kenyon, Student Medical Insurance Manager at anna.kenyon@duke.edu.

2013-14 SMIP Cost of Coverage

The cost of coverage is based upon your age and will be posted to your student account by the Bursar's Office. If your age as of August 1, 2013 is:

  • Under 24, the annual charge is $1,895.
  • 24 to 34, the annual charge is $2,280.
  • 35 to 44, the annual charge is $3,200.
  • 45 to 54, the annual charge is $4,695.
  • 55+, the annual charge is $6,510..
  • Spouse, the annual charge is $3,760. (in addition to the student's annual charge)
  • Child(ren), the annual charge is $2,140. (in addition to the student's annual charge)
  • Family, (all dependents) the annual charge is $5,715. (in addition to the student's annual charge)

A portion of the cost of the SMIP is retained by Duke University to pay for administrative costs incurred by the University and for reserve funds. Any portion of the cost of the plan retained by Duke University is encumbered solely for the purpose of funding plan expenses or the equitable and non-discriminatory benefit of plan participants.

Undergraduate students receiving need-based financial aid who do not have comparable coverage (and apply for and are denied a health insurance waiver) will receive an increase in their Duke grant after Fall add/drop to cover the cost of the annual insurance.

Medical Evacuation and Repatriation Coverage

Please click here for details on the BlueCard Worldwide program, which provides benefits for medical evacuation and repatriation.

Dental Insurance

Although dental services are not available through Duke Student Health Center, all students enrolled in the Student Health Insurance Plan are eligible for discounted dental visits through BASIX (see website for participating practices).

DentalBlue dental insurance is available for purchase here.

Patient Protection and Affordable Care Act and the Duke SMIP

At Duke University we understand Patient Protection and Affordable Care Act (PPACA) has been challenging and confusing!