Transcript Duke Student Health Insurance

Duke Student Health Insurance
Eric Vance
David Kahler
GPSC Retreat
September 15, 2007
How it works:
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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.
History of Premiums
2007-2008 Plan
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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)
Age group
Premium
Under 26
$ 1,564
26-34
$ 1,690
35-44
$ 1,951
45 or over
$ 2,198
Spouse
$ 2,591
Child(ren)
$ 1,491
Family
$ 3,845
2007-2008 Plan
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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-ofpocket maximum for
prescription drugs
In-network mental health
benefits in the Durham area
Age group
Premium
Under 26
$ 1,564
26-34
$ 1,690
35-44
$ 1,951
45 or over
$ 2,198
Spouse
$ 2,591
Child(ren)
$ 1,491
Family
$ 3,845
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.
Mission Statement
It is the goal of the committee to be transparent in its efforts to ensure that:
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No student is without quality health insurance;
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Desired benefits are provided at the least possible cost*;
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Students have access to a strong, effective network of providers;
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The insurance plan takes advantage of Duke’s resources while also
enabling students to be autonomous in their health care decisions;
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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.
Mission Statement
It is the goal of the committee to be transparent in its efforts to ensure that:
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The total health of the student will be provided for, including mental
health;
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Resources available to assist students in making good health care
decisions will be continually improved;
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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).
SHIAC
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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
Issues for 2007-2008
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Evaluating bids for 2008-2009
Restrictive waiver?
Partial self-insurance?
Better Mental Health network
Family subsidy
Fair age-based pricing
Copays?
Partial Self-funding
$6 mil
Health Care
$7.5 mil
Discussion and Questions