Frequently Asked Questions
Health Plan F.A.Q.
In order to meet the ACA requirement, the health insurance must qualify as “minimum essential coverage,” which is a type of health coverage approved by the federal government. Beginning August 31, 2015, the BYU Student Health Plan will no longer be considered minimum essential coverage. If your only health coverage is the BYU Student Health Plan, then you (or your parent(s) if you are a claimed tax dependent) may be subject to a tax penalty on your 2015 and subsequent federal income tax returns for the months you do not have minimum essential coverage. For more information, please consult a tax professional.
The BYU requirement for mandatory student insurance went into effect fall semester of 1989. It came about for two main reasons. First, the physicians and hospitals in the community had numerous complaints because students were not taking care of their medical bills. They would leave for spring and summer and not give new addresses and the providers didn't know what insurance they had or how to reach them. Secondly, the fast offerings in this area were in the red because bishops were paying for the students' medical bills. While having health insurance is not only beneficial for health care providers and the church, it also protects students against the potentially high cost of unexpected medical care.
Prior to the last day to add/drop classes, you will waive it online through myBYU. Access “My Financial Center” and at the top of the page select “My Accounts”. Next select “Health Coverage” and then select “Report Coverage”. Enter your private insurance information. Press the “Save Private Insurance Information”.
Send a YMessage to the Health Plan office with the names, birthdates and genders of your dependents. We will put them on your Student Health Plan.
Go to myBYU, access “My Financial Center” and at the top of the page select “My Accounts”. Next select “Health Coverage” and then select “Request Waiver” for the term you want to waive. Click on “Update Waiver Request” and fill in your private insurance information and click on “Submit Waiver Request”. The Health Plan Office will review your waiver request and send you a communication back through myBYU. BYU Policy is to only go back one semester or term for a waiver request. If your request is granted the charge will be removed from your financial account. This may take up to 48 hours.
You are eligible to keep it through the end of the academic year. If you do not want it, please come into our office and sign a paper saying that you do not want the coverage. Once we take you off we cannot put you back on. If you are out of the area you may send the Health Plan Office a YMessage.
Because of changes in health care, BYU is discontinuing its Extended Health Plan. Effective August 31, 2014 you can no longer maintain your Student Health Plan after leaving school. Your last effective date will be the last date of the semester or term you graduate or leave BYU.
Your tuition bill will not update. If you went through myBYU and waived the Student Health Plan you can disregard the charge on your tuition bill. Pay your tuition by the tuition payment deadline, but do not pay the Student Health Plan charge.
If you both have at least 9 semester hours for Fall you each need to enroll on the Health Plan for 1 Married Student. See Handbook "Enrollment" page 4
If you both have at least 9 hours for fall semester put the Health Plan in the wife's name and have the husband and child as dependents under option of “Married Student with Dependent(s).” This will give the wife maternity benefits, with no deductable, because she is signed up as the student. The husband must then go through his myBYU and waive the Student Health Plan by entering DMBA-SHP as the insurance company, his wife's Student Health Plan ID as the policy number, phone number 1(800)777-3622, and wife's name as the policy holder.
Yes. During Fall or your first semester at BYU, if you have 9 hours and you do not provide proof of private insurance you will be put on the Health Plan. When you go home during Spring and Summer terms you will need to notify us if you no longer want the Health Plan. Go to myBYU, access “My Financial Center” and at the top of the page select “My Accounts”. Next select “Health Coverage” and then select “Request Waiver” for the term you want to waive. Click on “Update Waiver Request” and fill in your private insurance information and click on “Submit Waiver Request”. The Health Plan Office will review your waiver request and send you a communication back through myBYU. Once your request is granted the charge will be removed from your financial account. This may take up to 48 hours. After Open Enrollment or your first semester at BYU, you will need to lose your private coverage to enroll in the Health Plan.
If you enroll any dependents on the Health Plan they must maintain coverage through the academic year. The only way we can remove them from the Health Plan is if they can show proof of new coverage.
The Health Plan office will send you a communication through myBYU about 1 month into the semester/term letting you know you are enrolled. DMBA will also send you a card with your DMBA ID#. If you do not get one after about six weeks into the semester/term call 1 800 777-3622 press 0 after the continue in English prompt and ask for the Student Health Plan enrollment team. The card will be mailed to the address on your myBYU personal infomation screen, therefore you should keep it current.
Yes, on myBYU, during open enrollment or your first semester here. You can also waive your Health Plan through myBYU.
When you first find out you are expecting come to the Health Plan office and pick up a "Maternity Pamphlet" that will explain how to find a contracted doctor.
Because BYU is an educational facility and receives Federal funds, like Pell Grants, we must comply with Title IX of the Education Amendments Act which prevents any health plan from discriminating based on gender. We cannot charge a married male less than a married female, so in order to cover the costs associated with having a baby the premiums charged under the Married Student Option are equally shared between the husband and wife. Also, it is not allowed under Title IX to exclude maternity coverage. Each year the premiums charged for each category on the SHP are actuarially evaluated by Deseret Mutual Benefit Association and set at a level that simply covers the costs associated with each category of the Plan. Since we are self insured there are no insurance company or other costs built into the premiums.
Graduate students will not be automatically enrolled unless they have 3/4 time (9 credit hours per semester or 4.5 per term). Beginning in fall 2014, if they have .5 credits a semester or term they are eligible for the Health Plan. They need to enroll thru myBYU by the add/drop deadline of Fall or their first semester at BYU.
Yes. As of Fall Semester 2014, if you are a tuition paying student with at least .5 credits, you are eligible to enroll in the Student Health Plan. You will not be automatically enrolled if you have under 9 credits. To enroll, send a YMessage to the Student Health Plan Office or come to our office and fill out a form.
This enrollment will remain in effect throughout the academic year. Even if you drop to zero credits for Winter, Spring or Summer, you will remain on the Health Plan. The only ways to be removed mid-academic year is to gain private insurance and submit a waiver, graduate, leave for a mission, or discontinue your studies at BYU.
No. Effective Fall Semester 2014, BYU requires all ELC students and F-1 and J-1 visa students to be enrolled in the BYU Student Health Plan or an ACA compliant plan offered by a United States-based insurance company. This plan must provide comprehensive medical coverage for you while you are on campus. Insurance plans from companies outside the United States will not be accepted.
No. Since the Student Health Plan is not purchased on an exchange they are not eligible for any type of premium tax credits and you will not receive Form 1095-A. (source : http://www.irs.gov/pub/irs-pdf/i1095a.pdf)