Student Health Plan - Requirements

BYU requires all continuing students who are enrolled at least 3/4 time (including Salt Lake Center hours) to have appropriate medical coverage for the duration of their enrollment at BYU. In other words, you must have coverage the entire time you are a continuing BYU student, including during any summers you take off or other short-term breaks from classes.

To satisfy the University's insurance requirement, you have several options:

     1.  Enroll in the BYU Student Health Plan

     2.  Enroll in a group medical plan provided by your parent's, your own, or your spouses employer.

     3.  Purchase an individual plan.

If you purchase an individual medical plan, it should provide:

• provide at least 80 percent coverage, for all major medical expenses, including physician, hospital, and ancillary services;
• have an individual annual deductible of no more than $1,000; and
• have an annual plan limit of no less than $25,000.

If you choose a medical plan other than the Student Health Plan, you must provide verification of adequate coverage at the beginning of your first semester or term and annually at the beginning of fall semester. Carefully review any medical plan you are considering to make sure it will provide you with sufficient coverage for your current and future health-care needs. Coverage must be effective by the first day of class.

Students enrolled at least 3/4 time (9 credit hours per semester or 4.5 credit hours per term, including Salt Lake Center hours) who do not submit proof of private insurance through the Route Y web site to the BYU health plan office before the deadline each year will automatically be enrolled for individual coverage and assessed the appropriate premium (single or married student rate) for the BYU Student Health Plan.

Spouses and dependents will not be enrolled automatically the first semester or term that you are on the plan. If you want coverage for your spouse and dependents, you must enroll them in the plan. Once they are enrolled, your dependents will be enrolled automatically at the beginning of each subsequent academic year.

Students participating in internships, study abroad, or touring groups who do not return a properly completed form to BYU will be automatically enrolled and assessed the appropriate premium for the Away-from-campus Plan. The automatic enrollment will take place when the Health Plan Office receives a list from your department.

The BYU Student Health Plan is exempt from regulation as insurance by order of the Utah Department of Insurance. See In re: BYU Student Health Plan , No. 2003-050-AD (November 21, 2003).

The Student Health Center is not a Medicaid or Medicare provider.