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Student Health Insurance


Duke Plan health insurance premiums have increased at annual rates of 18%,23 ... Approval of GSAS plan to subsidize health insurance for all doctoral students ... – PowerPoint PPT presentation

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Title: Student Health Insurance

Student Health Insurance
  • Representatives Meeting
  • November 21, 2005

  • Duke Plan health insurance premiums have
    increased at annual rates of 18,23, and 21 for
    the last 3 years
  • These rates exceed all other components of the
    cost of education and cost of living at Duke
  • A 20 increase for 2006-2007 would mean a premium
    of 1907, not including the Student Health
    Services annual fee (524 plus summer).
  • Family Plan requires premium subsidy by single
    students, and does not accommodate all sizes of

  • Burdensome costs for students on Dukes Plan are
    becoming overwhelming
  • Some healthy students seek lower cost insurance
    in private market, driving up average utilization
    per student on Duke Plan
  • Frequency of underinsurance increasing
  • Duke is less attractive to prospective students
    compared to peer institutions with better health
    insurance support

GPSCs Actions Internal
  • Develop internal structure within GPSC to address
    health insurance annually with continuity
  • Create standing subcommittee featuring leadership
    cultivation and strong presence on Student Health
    Services Student Health Insurance Advisory
    Committee (SHIAC)
  • Improve information exchange with students
  • Leverage Young Trustee to coordinate BOT
    subcommittee representatives to address issue at
    Feb meeting in unified manner

GPSCs Actions External
  • Work closely with Deans, Student Affairs and
    Student Health Services to communicate our
    values, objectives and proposals and provide
    feedback on their ideas
  • Memorandum to Board of Trustees to elevate
    awareness of health insurance as critically
    important to students
  • Statement of Our Values Regarding Health
  • These values will guide our decision-making
    around proposals for achieving our objectives
  • Statement of Our Immediate and Long Term
  • Approval of GSAS plan to subsidize health
    insurance for all doctoral students
  • Incorporate discussion of health insurance costs
    into ongoing strategic planning for Financial Aid
  • Plan for institutional coverage of health
    insurance for all graduate and professional
  • Offer Proposals for Achieving Our Objectives

  • November 21 Meeting with GPSC Representatives
  • November XX Obtain feedback on issues from GPSC
  • December XX Update to GPSC Representatives on
    Values, Objectives and Proposals
  • January XX GPSC representative approval of
    memorandum to BOT
  • February 10 Submit memorandum to Deans, Student
    Affairs and Student Health Services
  • February 24 BOT Meeting with presentation to
    Student Affairs Subcommittee

Four Principle Issues
  • We need feedback from Representatives on these
    issues to help shape our statement of values on
    health insurance
  • 1) Optimizing Utilization
  • 2) Family Subsidy
  • 3) Participation
  • 4) Institutional Support

Issue 1 Optimizing Utilization
  • Question what are most effective and tolerable
    methods for controlling rate of health insurance
    premium increases through utilization and keep
    our campuss healthiest members in the Duke plan?
  • Increase brand name drug co-pays? Reduce drug
  • Add emergency room visit co-pay?
  • Increase annual deductible?
  • Cover all family utilization at specific clinic?
  • Closely case-manage historically high users?

Issue 2 Family Subsidy
Assuming that claims equal 80 of "true"
premium, this means that the premium for families
should have been 5966.25 for families in
2003-2004, but their premium was only 2282,
meaning that 62 of their premium was paid by
single students
Issue 2 Family Subsidy
  • Question What is the appropriate level of
    subsidy of Family Plan premiums by Single Person
    Plan premiums? Who should pay subsidy?
  • 59 (current)? 25? 0?
  • Single students? University?

Issue 3 Participation
  • Question Should we mandate participation in the
    student health insurance plan by all students?
    Some students?
  • Address underinsurance issue?
  • Lower premiums by improving average utilization
    per student?
  • Affect autonomy?

Issue 4 Institutional Support
  • Question How can Duke move toward covering
    health insurance costs for all students?
  • Endowed funds?
  • Other models? Self-insurance?
  • What should be covered first, e.g., doctoral
    students, family subsidy?

  • Email comments?
  • Send out email reminder?
  • Online survey?
  • By what date? (See Timeline)
  • Need time for them to collect opinions

Contact Information
  • For additional comments or questions, please
  • Justin Klein
  • (617) 529-1243
  • Megan McCrudden
  • Eric Vance