Student Health Insurance
GVSU currently doesn't require domestic students to provide evidence that they're covered by health insurance. However, we strongly encourage all of our students to be insured.
WHY GET HEALTH INSURANCE?
Please be aware that the University's insurance programs do not cover injury or illness sustained by a student; even if the injury or illness is a result of an educational opportunity, a sponsored activity, or other incidents that occur either on or off campus. Please review your medical insurance coverage to ensure that it is both adequate for your needs, and applicable in the State of Michigan. If you are studying or working abroad, it is particularly important to ensure that your personal health insurance will respond in the territories where you are traveling.
If You're Currently Uninsured
Student Insurance through Blue Cross Blue Shield
GVSU does not imply that this coverage is superior to other plans which may be available to you through the open marketplace, please consider all of your options carefully. GVSU does not benefit financially in any way from insurance products listed below.
Grand Valley State University students can enroll in a PPO health care plan with Blue Cross Blue Shield of Michigan. YOU MUST BE A CURRENT STUDENT TO ENROLL. Below is an overview of the plan, including rates. Review the plan details carefully to ensure you make the best choice for your health and wellness needs. Fall 2023 open enrollment starts August 14, Winter 2024 open enrollment starts December 1. See below for additional dates. For enrollment and billing questions, please contact Blue Water Benefits Administrators at (947)941-1388. For coverage questions relating to your student health plan please call Blue Cross Blue Shield of Michigan Customer Service at (313)225-9000.
- Here is the link for enrollment, it won’t be live until Open Enrollment start date: https://yourstudenthealthplan.com/grand-valley-state-university/
- Here is the link for BCBSM Benefits at a Glance 2023
Are you a current policy holder for Blue Cross Blue Shield? If you have questions about your medical, prescription drug, dental or vision coverage, call the number on the back of your member ID card, or the number listed on your explanation of benefits statement. If your ID card isn’t available, call Blue Cross Blue Shield at 1-888-288-2738.
Student Health Insurance Plan 2023-2024 Overview
Plan Overview
BCBSM Benefits at a Glance 2023
Who is eligible? All Current Domestic Scholars and their dependents.
- International students, please visit Health Information - International Students - Grand Valley State University (gvsu.edu) and/or contact the Padnos International Center at [email protected] for additional details.
Network Access Members have the flexibility to visit a provider or facility of their choice. However, benefits increase when in-network providers are used.
Coverage Medical, Prescription Drugs, Dental and Vision
Maximum Annual Benefit Unlimited
In-Network Deductible $150 per person/ $300 per family per policy year
Coinsurance 20% of approved amount for most covered services; 50% of approved amount for bariatric surgery
Annual Out-of-Pocket Maximum $5,000 for one member; $10,000 for the family (when two or more members are covered under your contract) each policy year
Office Visit Copay $20 per visit
Specialist Visit Copay $40 per visit
Urgent Care Copay $30 per visit
Medical Online Visit Copay $20 per visit
Emergency Room Copay $50 per visit (waived if admitted)
Prescription Drug Copays
- Generic: $10, Preferred: $40, Non-Preferred: $80
- Preferred Brand-Name Specialty: 15%, up to $150
- Non-Preferred Brand-Name: 25%, up to $300
Coverage Periods
Open enrollment begins August 1, 2023.
Annual
- Coverage Start: 08/15/2023 Coverage End: 08/14/2024
- Enrollment Deadline: 09/30/2023
Fall Semester Option
- Coverage Start: 08/15/2023 Coverage End: 12/31/2024
- Enrollment Deadline: 09/30/2023
Winter Semester Option
- Coverage Start: 01/01/2024 Coverage End: 04/30/2024
- Enrollment Deadline: 01/31/2024
Spring/Summer Option
- Coverage Start: 05/01/2024 Coverage End: 08/14/2024
- Enrollment Deadline: 05/31/2024
Rates
Monthly Cost per Contract
- Student: $454.98
- Student + 1 Dependent: $909.96
- Student + 2 or more Dependents: $1,364.94
Contracts are on annual semester terms.
Questions?
Do you have questions about or need help with enrollment? Please contact Blue Water Benefits Administrators at 947-941-1388 For coverage questions relating to your student health plan please call Blue Cross Blue Shield of Michigan Customer Service at 313-225-9000
Are you a current policy holder for Blue Cross Blue Shield? If you have questions about your medical, prescription drug, dental or vision coverage, call the number on the back of your member ID card, or the number listed on your explanation of benefits statement. If your ID card isn’t available, call Blue Cross Blue Shield at 1-888-288-2738.
Additional Coverage Options
Healthy Michigan Plan
The Healthy Michigan Plan provides health care benefits to Michigan residents at a low cost so that more people can have health care coverage.
For more info, call 1-855-789-5610 or visit the website.
Federal Health Insurance Exchange
The Health Insurance Exchange is the place where people without health care insurance can find information about health insurance options and also purchase health care insurance. Information can also be found regarding eligibility for help with paying premiums and reducing out-of-pocket costs.
For more info, call 1-800-318-2596 or visit the website.
Students who are not United States residents
- Visit Health Information - International Students - Grand Valley State University (gvsu.edu) for more information.
- Questions about the insurance requirements may be directed to Padnos International Center at [email protected].
If you don't find a product that fits your needs, or pricing that is attractive within the listed websites, we do encourage you to speak to your own Insurance Agent, and research available coverages elsewhere.
The products available through Bluewater and other listed websites are voluntary. GVSU does not warrant the reliability, quality or effectiveness of any products or services offered, nor does it imply an endorsement of the views, information or products provided by these services. All transactions, communications and administration of the insurance products and services are strictly between the user and the service providers. GVSU does not benefit financially in any way from these insurance products.
If you have further questions, contact [email protected].