Friday, August 24, 2007
A new student health insurance plan is now available.
The Board of Regents passed legislation last year to allow it to take control of student health insurance. The Regents convinced universities statewide to band together to create a single, comprehensive health care plan, said Diana Malott, assistant director of Student Health Services at Watkins Memorial Health Center. The board cooperated to develop a plan with lower premiums and more benefits.
The new Kansas Board of Regents Student Health Insurance Plan removes many of the spending limits of past student plans. Malott said the board made the changes to better reflect the needs of students. She said the previous plan allowed $250 per year for spending on pharmaceuticals; the new plan allows $1,000. The new plan does not include the previous $4,500 cap on outpatient surgery. The insurance will also pay as much as $100,000 per year per illness. There is also no spending limit on durable medical equipment such as wheelchairs.
Malott said that many limits in previous policies were unrealistic. As an example, she cited the previous limit of $300 per hospital stay.
“I’ve never heard of a hospital stay costing less than $300,” she said. “We basically removed all of those negative things from the old plan.”
Past policies also included separate plans for international students and other groups. The new plan is tailored to cover all students.
“The idea was keep one plan and keep it simple,” Malott said.
According to the new policy, the premium for year-long coverage is $960. Coverage also can be purchased for individual semesters.
Kimberly Guess, Overland Park senior, said students needed to be aware of their insurance options.
“A lot of people our age don’t even think about it,” she said. “We think we’re invincible, but the reality is accidents happen every day.”
Students can find out more about the plan by contacting Watkins Memorial Health Center or by visiting www.uhcsr.com.
— Edited by Jeff Briscoe
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