Options for Uninsured Students
While the “three visits” at the Olin and neighborhood clinics can assist with minor illness or injury, uninsured students who experience a severe injury or illness may find themselves with financial hardship. Insurance is strongly recommended for all students.
The three options outlined below include the cost, important dates, and links for additional information. All three offer mental health benefits in addition to physical health benefits. Apply in December to start 2017 with health care coverage.
Healthy Michigan Plan
Plan Eligibility: Provides Health Care Coverage for Michigan residents with income at or below $16,000 for a single person or $33,000 for a family of four.
Enrollment Open: Year round, no deadline for eligible individuals
Cost: very low cost
Info and Enroll: http://www.michigan.gov/healthymiplan/0,5668,7-326-67874---,00.html
MSU Student Health Insurance Plan
Plan: Blue Care Network (BCN)
Premium Cost: Spring 1/1/17 – 8/14-17 $1399 (approx. $187 per month)
Eligibility: All MSU students, Law students, Visiting scholars, and more, including spouse and children of a student enrolled in the plan.
Enrollment Opens: December 1, 2016
Enrollment Deadline: February 15, 2017 (enroll in December for January coverage)
Health Insurance Marketplace (ACA) plans for 2017 on HealthCare.gov
Plans: Many to choose from.
Income variance for a single person:
- If household (family) income is below $16,000, Michigan residents are eligible for free medical coverage through Medicaid or Healthy Michigan.
- $16,394-$29,700 – eligible for a marketplace plan with lower cost plus extra savings.
- $29,701-$47,520 – eligible for health plan with lower monthly cost
- Above $47,520 – Marketplace plans are full price (no discount)
Cost of Premium: Varies based on income, tax credit, and preferred level of service, starting at less than $100 per month for coverage.
Enrollment Opens: November 1, 2016
For coverage beginning January 1, 2017, Enrollment Deadline is: December 15, 2016
Enrollment Deadline for coverage in 2017: January 31, 2017
Enroll & Info: https://www.healthcare.gov/
Easy to understand info: https://www.getcoveredamerica.org/
This is meant to provide an overview of options for those students who are not currently enrolled in a health insurance plan. If you have questions or difficulty in enrolling in one of these plans, the following are options for assistance:
Healthy Michigan Plan – call 1-855-789-5610 or email a Care Manager Social Worker at firstname.lastname@example.org
MSU Student Insurance Plan - BCN Customer Service 800-662-6667, MSU Human Resources Solutions Center: 517-353-4434
Health Insurance Marketplace – Questions: 1-800-318-2596 https://localhelp.healthcare.gov/#display