Duke Student Wellness

Health Insurance

 

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Open Enrollment for Fall 2017

Enrollment for Fall 2017 will begin Thursday, June 15th. Please log in to your DukeHub account to enter your decision to waive or enroll in the plan.

A charge for the student insurance plan has been placed on your tuition bill/Bursar account. This charge and coverage by the plan may be waived if you provide adequate proof of coverage under another health insurance plan. The waiver criteria are listed below. Please note that by paying the insurance charge on your Bursar account, it does not automatically enroll you in the plan at that time. Please confirm enrollment through your Duke Hub account.

Open Enrollment/Waiver Period
If you do not enter your decision by September 15, 2017, you will be automatically enrolled in the SMIP for the period from August 1, 2017 to July 31, 2018. The insurance charge will remain on your Bursar account and you will receive your enrollment information and card after September 15, 2017. If you do not enter your decision and are automatically enrolled, you WILL NOT be able to waive.

Intend to Enroll?
Please complete the enrollment process through your DukeHub account.

If you do not have a U.S. mailing address (required for mailing of the insurance ID card), please use the address noted under U.S. Mailing Address.

Intend to Waive?
Please complete the waiver process through your Duke Hub account

See Waiver Criteria & Review for the requirements to waive the SMIP.

Need to Change Your Decision?
Did you enroll but intend to waive? Did you waive but intend to enroll? If you would like to change your decision, send your request to insurance@studentaffairs.duke.edu.  Your request must be completed and submitted by 5:00 PM on September 15, 2017.

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 who have inadequate insurance 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 provided by our student plan, which is tailored to a Duke students specific needs.

If you are an international student holding an F1 or J1 visa, enrollment in the SMIP is mandatory.

The 2017-18 Duke SMIP is underwritten by Blue Cross Blue Shield (BCBS) of North Carolina. Student insurance plans with BCBS are identified as Student Blue.

The annual cost of coverage for all eligible students for the 2017-18 plan year is $2,950.*

For dependents, the annual premium rates are as follows:

  • Add Spouse, $5,410* (in addition to the student premium)
  • Add Child(ren), $3,070* (in addition to the student premium)
  • Add Family, $8,480* (in addition to the student premium)

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.

*Rates pending regulatory approval

The Duke SMIP continues to provide excellent benefits at a valuable cost. The plan has received a platinum tier rating under the new Affordable Care Act (ACA) rating system.

All out-of-pocket costs (coinsurance, copayments, and deductible amounts) will apply to the out-of-pocket limit. In addition, all students will be charged the same rate regardless of age.

For a summary of plan benefits and other details, click here to access the applicable Student Blue website.

 

Please

click here

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


 

Dental Services are coming to Duke Fall 2017. Check back soon for more information.

If you have emergent dental needs, 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.

At Duke University we understand Patient Protection and Affordable Care Act (PPACA) has been challenging and confusing! Students should not worry about losing their current coverage since the Duke SMIP meets the PPACA’s standards 100%.   In addition, the Duke SMIP previously and currently maintains a no pre-existing condition waiting period policy to make sure our students received the best possible health care coverage.  Moreover, eligible dependents can be added to the student policy during our fall 2017 Open Enrollment, until August 30, 2017.  Duke SMIP’s provides coverage at 100% for preventive care services in accordance with the PPACA.  For further details please go to bcbsnc.com/preventive or download a detailed Benefit Booklet for the Duke SMIP at bcbsnc.com/duke under “plan benefits”.

Q.    Which students are required to have student insurance?

Q.    I’m turning 26 and will no longer be covered on my parents insurance, what should I do

Q.    How will I be covered if I studied abroad for a semester?

  • If you have Duke Student insurance your policy includes world-wide-coverage. If you do not have the student insurance plan, please contact your insurance carrier to verify coverage for international travel. If your carrier does not offer international coverage, please notify us at insurance@studentaffairs.duke.edu to enroll in the student plan for that semester.

Q.    When will my health insurance become active?

  • Coverage begins either August 1st or January 1st depending on your matriculation date. Enrollment start dates can be modified based on a student's status.  (For example, exchange students, loss of current coverage.)

Q.    Will I be covered during the summer?

  • If you have student insurance your policy will be active until July 31st. (Exceptions apply base on students status)

Q.    I graduate in May, when will my coverage end?

  • Your student insurance coverage will end July 31st. 

Q.    I graduate in December, when will my coverage end?

  • Non-Ph.D. Students’ policy will end July 31st, unless you notify us to terminate the plan during spring open enrollment (11/15 – 1/31)
  • Ph.D. candidates, if your premiums are being covered by the Graduate School, your policy will end December 31st. You eligible to continue on the plan until 7/31, but you will be balance billed for the remaining premium. 

Q.  Who should I contact if I need a copy of my insurance card?

  • Contact Student Blue (Blue Cross and Blue Shield of North Carolina) at 1-800-579-8022

Q.    I have questions regarding my coverage who should I contact?

Q.    When can I add my dependents?

  • Dependents have to be added by August 30th (fall semester) or January 31st (spring semester). If you have a qualifying life event (QLE) (marriage, birth, dependent/s arriving in the US) you have 30 days (NO EXCEPTIONS) from the QLE date to add your dependent. Documentation will be required. Contact Student Blue (Blue Cross and Blue Shield of North Carolina) at 1-800-579-8022. Duke University DOES NOT handle dependent coverage. 

Q.  What address was my insurance cards mailed to?

  • Insurance cards are mailed to the mailing address listed in Duke Hub as of July 1st. If you need an additional insurance card you can call Contact Student Blue (Blue Cross and Blue Shield of North Carolina) at 1-800-579-8022. Please verify your mailing address at that time.
  • Students with a non-US based mailing address will have their ID cards mailed to the default address at Student Health. 305 Towerview Dr, Durham, NC 27708 .

Q. How often should the insurance waiver be completed?

  • Insurance waivers are to be completed yearly.
  • EX: Fall matriculants (Complete insurance waiver between June 15th-September 15th) 
  • EX: Spring matriculants (Complete insurance waiver between November 15th – January 31st) 

Q. Is the insurance charge on my bursar’s account billed each semester? 

  • No. The $2950.00 insurance charge on the fall bursar’s bill is for coverage dates 8/1/17 – 7/31/18. 

Q. What is the Health Fee charge on my bursar’s account? 

  • The health fee allows students to be treated at Duke Student Health (includes Nutrition and Counseling & Psychological Services (CAPS)) at no additional charge for medical services (Annual exams, Colds, Flu). Ancillary services (Lab, X-Rays, and CT Scans) will be billed to the student’s private insurance. The health fee is charge each semester.

 

Enrollment Exceptions
New students enrolled at the University during the summer term, or students who have lost individual coverage, may enroll in the SMIP through the month of July. Please complete a Duke Exception Form and send to Student Health Insurance at insurance@studentaffairs.duke.edu. Alternatively, you may print the form and fax to 919-681-2874. A charge will be added to your Bursar account for the cost of the plan through the month of July. To ensure that you are enrolled beginning on August 1st, please complete the enrollment process through your Duke Hub account during open enrollment.

Terms of Coverage
The enrollment term and insurance charge for all eligible students is for the entire academic year (August 1, 2017 through July 31, 2018). If you obtain alternate coverage during the Fall 2017 term that meets the waiver criteria, you will have the opportunity to waive the SMIP for the Spring 2018 term during the spring open enrollment period (November 15, 2017 through January 31, 2018.) If this occurs, you must submit a change form to insurance@studentaffairs.duke.edu. If you would like to enroll in the SMIP for the Spring 2018 term, you also will have the opportunity to do so during the spring open enrollment period. At that time, the coverage will active for the remainder part of the benefit year.

Financial Aid
If you receive Duke University need-based financial aid and you are required to purchase the SMIP, your aid may be increased to cover the cost of the SMIP. Please complete the enrollment/waiver process through your Duke Hub account. If your current coverage does not meet the waiver criteria, you will be required to enroll in the student plan. If this is the case, please contact your financial aid advisor at the Office of Financial Aid to inquire as to whether or not your aid package will cover the cost of the SMIP.

Dependent Coverage

Dependents (i.e. spouse and/or children) of eligible students may be enrolled in the SMIP. Any dependents to be covered under Duke SMIP should be enrolled by August 30, 2017 by visiting www.bcbsnc.com/duke, NO EXCEPTIONS. Payment for dependent premiums will be made directly to Student Blue (Blue Cross). Please refer to Cost of Coverage€ above for dependent premium rates. Duke DOES NOT enroll dependents. Please contact Student Blue at 1-800-579-8022 for dependent enrollment questions. 

Bursar Account Updates
Please allow up to 5 business days for the processing of your waiver. This will include a review of your waiver and, if approved, removal of the insurance charge from your Bursar account. Bursar billing statements are issued on a monthly basis. However, charge removals will be processed at least on a weekly basis. To confirm that the insurance charge has been removed, please refer to the account details in Duke Hub to see the most up to date account information. 

December Graduates 

Will you be graduating in the fall? If so, you will have the option of ending your Duke SMIP coverage with a December 31, 2017 termination date. Please submit your termination request to insurance@studentaffairs.duke.edu during Spring 2018 Open Enrollment (November 15, 2017 January 31, 2018. If we do not receive your termination request prior to the end of open enrollment, your policy will stay active until July 31, 2017, NO EXCEPTIONS

Continuation of Coverage 

Currently, we do not offer continuation of coverage, which means your current insurance plan will end 7/31/17. The best option would be to apply for insurance at www.healthcare.gov at least 30 days prior to your plan termination date.

U.S. Mailing Address
A U.S. mailing address is required for mailing of the insurance ID card, as well as any claims and/or benefit information. If you do not have a U.S. mailing address, your health insurance ID cards will be sent to the following address:

Your Name:
Student Health
305 Towerview Rd, 2nd Floor
Durham, NC 27708

This is the mailing address for the Duke Student Wellness Center. We will hold insurance ID cards for student pick-up until September 30, 2017. Once you have established a U.S. mailing address, please contact Student Blue (1-800-579-8022) to change your address. Failure to update your mailing address with Student Blue will cause you not to receive your reimbursement checks and/or vital tax forms that are required to file your taxes.

If you have any questions not answered by the information about insurance, please send an email to insurance@studentaffairs.duke.edu.

Alternatively, you may call and leave a message at 919-684-1481. Due to high message volumes, please allow up to 3-5 business days for a response.