Duke Student Health Insurance

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Duke Student Health Insurance

• Eric Vance
• David Kahler
• GPSC Retreat
• September 15, 2007

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How it works

• Insurance company (BCBS) predicts total 2007-2008
  claims 8mil
• Duke students pay BCBS 10mil in premiums plus
  additional 2.4 for customer service
• The extra 25 (2mil) pays for BCBS staff,
  billing, profit, etc.

This is in addition to the 546 (171 summer)
fee each student pays for the Student Health
Center.
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History of Premiums
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2007-2008 Plan

• BCBS Blue Options Plan
• 150 deductible
• Insurance pays 80 of bill, you pay 20
• 1500 out-of-pocket max
• 100 Rx deductible
• 1000 Rx out-of-pocket max (new)
• Dental savings program by Basix (new)

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2007-2008 Plan

• A 500 annual benefit for preventative vaccines
  (as defined by the CDC) including the HPV
  vaccine.
• Unlimited medical evacuation and repatriation
• No pre-existing condition exclusion (enjoy full
  benefits for the full policy term)
• A new 1,000 annual out-of-pocket maximum for
  prescription drugs
• In-network mental health benefits in the Durham
  area

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GPSC HI Committee 2007-2008

• 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.

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Mission Statement

• It is the goal of the committee to be transparent
  in its efforts to ensure that
• No student is without quality health insurance
• Desired benefits are provided at the least
  possible cost
• Students have access to a strong, effective
  network of providers
• The insurance plan takes advantage of Dukes
  resources while also enabling students to be
  autonomous in their health care decisions
• As much of the premium or fund contributions as
  possible will be returned to the covered
  individuals in the form of benefits
• 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.

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Mission Statement

• It is the goal of the committee to be transparent
  in its efforts to ensure that
• The total health of the student will be provided
  for, including mental health
• Resources available to assist students in making
  good health care decisions will be continually
  improved
• The 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
• Both the student health insurance administration
  and the student health center will try whenever
  possible to offer preventative care before normal
  treatment would be required
• Those 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).

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SHIAC

• Student Health Insurance Advisory Committee
  consists of GnP students and administrators
• Led by Dr. Bill Purdy and advised by an
  independent consultant, Stephen Beckley
  (www.slba.com), SHIAC determines the HI plan
• Resports to Larry Moneta, Director of Students
  Affairs

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Issues for 2007-2008

• Evaluating bids for 2008-2009
• Restrictive waiver?
• Partial self-insurance?
• Better Mental Health network
• Family subsidy
• Fair age-based pricing
• Copays?

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Partial Self-funding
6 mil
Health Care
7.5 mil
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Discussion and Questions