Student Health Services

Student Health Insurance Plan

Utah State University offers an insurance policy through First Underwriters . The plan is underwritten by The Chesapeake Life insurance company.

An insurance brochure is available at www.firststudent.com. You can contact the company directly, toll free at 1-800-505-4160. If you have additional questions, you can also contact Noell Hansen at the Student Health & Wellness Center, 797-0066 or email to noell.hansen@usu.edu.

If you were covered last Summer and have paid premiums for Fall Semester by the enrollment deadline, existing covered conditions will roll over with continuous coverage. Brochures, including applications and Insurance/RX (prescription) cards are available at the Student Health and Wellness Center, 850 East 1200 North.

PLEASE READ THE BROCHURE CAREFULLY!

All insured students are required to use the Student Health Center first, before going to a physician elsewhere (off campus). You will need a referral to an off-campus physician, so you must come to the Student Health Center first.

However, if you have an emergency and/or the Student Health Center is closed, please go to Logan Regional Hospital Clinic or Emergency Room located at 500 E. 1300 N.

The Insurance plan has NO DEDUCTIBLES! You will be required to pay a co-pay (co-pay amount depends on the type of services received off campus, i.e. Office visits $ 30.00 co -pay, Emergency Room visits $250.00 co-pay, etc.) PLUS 30% of the balance for services received downtown (off campus) when you use the IHC/Beechstreet Provider Network of doctors and hospitals. A list of providers is available online through Beechstreet.

Prescriptions rendered "medically necessary" will require a $15.00 co-pay for generic medications and a $30.00 co-pay for name brand medications. There is a maximum coverage of $500.00 per year. (The $500.00 limit is based on the full price of the medication and not the co-pay amount).

No Pre-existing condition will be covered until you have been continuously insured by the plan for twelve months. A pre-existing condition is defined as any accidental injury or sickness for which you have received medical treatment, services, medication, or advice, or which was diagnosed in the twelve months preceding the effective date of your coverage. Routine dental, optical and elective procedures such as "check-ups" are not covered. Please note "exclusions" in the brochure.

Student Health Services has a gynecological service for annual exams. (This includes routine physical and pap smear only). Covered benefits include care provided by hospitals, specialists, ambulance, prescription, maternity, surgery and other medically necessary care downtown (off campus) as defined in the brochure.