Financial Affairs: Student Health Insurance Program

Rush University requires students to be covered by a health plan in order to promote health and well being while protecting the individual from undue financial hardship that a medical emergency could cause. Students must show proof of existing coverage and sign a health insurance waiver form before registering for the Fall quarter each year. Students who do not show proof and sign a health insurance waiver will have the health insurance charges assessed to their account at time of registration. To that end students enrolled in degree programs are eligible for the Student Health Insurance Plan offered by Collegiate Risk Management, Inc. and People's Benefit Life Insurance Company unless they show proof of coverage under a similar plan.

For the 2010-2011 school year the cost of the plan is approximately $225 per month for single coverage, $542 per month for two people, and $750 per month for family coverage. This plan allows students to choose a primary care physician from a large list of members of the Preferred Provider Plan (PPO) in the Greater Chicago area. Provider listings, including a listing of preferred care pharmacies, can be found at http://w ww.ccnusa.com . There is an annual deductible of $150 and coverage of 90 percent for most patient services including hospitalization and surgery, as well as outpatient services such as office visits, mammography, laboratory and x-ray. A $15 co-pay for generic and $40 co-pay for brand name prescription benefits are included.

A dental insurance plan is also available and optional to all Rush University students. Details of the plan and lists of member physicians and hospitals are available in the Office of Financial Affairs. Enrollment for the dental plan is available at the beginning of the fall quarter only. Applications will not be accepted after the start of the fall quarter.

Student Plan Rates for the 2010-2011 academic year.

Medical
Fall 2010
Winter 2011
Spring 2011
Summer 2011
Student Plan
$901
$675
$675
$448
Student + One Plan $2,167 $1,625 $1,625 $1,082
Family Plan $3,001 $2,250 $2,250 $1,498
Dental
Student Plan $19.04 per month
Student + One Plan $37.32 per month
Family Plan $71.18 per month

Details of the plans are available in the Office of Financial Affairs or online at the Rush University Information for Students homepage.

A small portion of fees for Rush Medical College students has been allocated to the Medical Student Health Service Program, supported by Lifetime Medical Associates (1645 W. Jackson, Suite 215 ). The Medical Student Health Service Program is designed to work seamlessly with Rush University Health Insurance to provide medical students with acute care. By using Rush University Health Insurance, medical students should experience an enhanced level of service and minimal billing problems, with a $20 fee per office visit. This will provide the type of “Student Health Service” with which most students are familiar. Additionally, all Rush Medical College students are covered under a blood and bodily fluids exposure rider. This works as a supplemental policy to any health insurance to cover treatment or medications necessary as the result of a needle stick, splash, or potentially contagious diseases exposure. Together with the basic Rush University Health Insurance policy, the rider will completely cover prophylactic medications or injections.

Finally, a fee has been assessed of Rush Medical College students for vaccinations/immunizations and documentation. This fee covers any necessary blood tests, vaccinations, or updates, as well as costs associated with maintaining the documentation of their compliance and communicating that information to the Rush system hospitals, and any away elective locations who may request certification of immunization and vaccination status.