The student health insurance plan will undergo changes next year in the benefits and premium structure. There will be an increase in the mental health benefit in response to problems that CAPS has identified with affordable mental health. There will also be an increase in the deductible and out-of-pocket maximum from $100 and $1000 to $150 and $1500 respectively. Our plan has not experienced any increase in the deductible of out-of-pocket maximum and has thus not kept up with inflation to say nothing of increases in healthcare costs. This change will also reduce the total premium by a greater amount than the improved mental health benefit will cost.
A flat rate premium has caused some young students to leave the plan which causes the entire plan to become more expensive - as younger members are less expensive to insure. Lastly, there will be separate riders available for spouse and any number of children. This will result in a significant savings for students who will only insure a spouse or child/children. Even for one child, we propose that the Duke premium be less than the comparable rates.
For more information see:
Introduction
Hill, Chesson, and Woody Presentation to GPSC - March 20, 2006
Peer institution comparison (Note: these comparisons do not include student health fees or co-pays charged by the schools listed)
Subcommittee explanation of presentation
Subcommittee proposal - March 30, 2006
Current news (copies of communications for your convenience):
LETTER: Original announcement from Dr. Purdy, May 1, 2006
LETTER: Original announcement for international students, May 1, 2006
LETTER: Graduate School announcement, May 3, 2006
LETTER: Decision to allow international students to opt-out, May 10, 2006
Additional References:
Duke Plan Member Guide
Hill, Chesson, and Woody
Duke Student Health Insurance Blog
e-mail: dukestudentinsurance@gmail.com