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. 

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 aren't currently insured, or have inadequate coverage:

Student Health 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. 

For the 2020-2021 academic year, Grand Valley State University students can enroll in a PPO health care plan with Blue Cross Blue Shield of Michigan. 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. For questions about or help with enrollment, contact Relation Insurance Services at 1-800-955-1991. You can find plan materials at www.4studenthealth.com/gvsu    Fall 2020 open enrollment starts August 1, Winter 2021 open enrollment starts December 1. See below for additional dates. 

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.

Students who are not United States residents

  • Health Insurance for F-1 International students is strongly recommended but not required. J-1 students are required by Federal Law to be covered by health insurance.
  • If you do not have a policy from your home country, you will be expected to enroll.
  • Additional details will be covered during international student orientation.
  • Questions about the insurance requirements may be directed to Padnos International Center at istudents@gvsu.edu.

Plan Overview

   

Who is Eligible

All Domestic and International Students and Scholars and their dependents

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

Coronavirus Coverage

To learn more about BCBSM COVID-19 care (testing and treatment), please click here to see up-to-date information.  This website includes a 24 hour Nurse Line for BCBSM Plan holders.

Coverage Periods

 

COVERAGE START

COVERAGE END

ENROLLMENT DEADLINE

ANNUAL

08/15/2020

08/14/2021

09/30/2020

FALL

08/15/2020

12/31/2020

starts 08/01/2020 thru 09/30/2020

WINTER

01/01/2021

04/30/2021

starts 12/1/2020 thru 01/31/2021

SPRING/SUMMER

05/01/2021

08/14/2021

05/31/2021

Rates

 

ANNUAL

FALL

WINTER

SPRING/SUMMER

STUDENT

$1,776.84

$666.32

$592.28

$518.25

STUDENT + 1 DEPENDENT

$3,553.68

$1,332.64

$1,184.56

$1,036.50

STUDENT + 2 OR MORE DEPENDENTS

$5,330.52

$1,998.96

$1,776.84

$1,554.75

Additional Health Insurance 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 www.michigan.gov/healthymiplan/ 

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 https://www.healthcare.gov/get-coverage/ 

 

If you don't find a product that fits your needs, or pricing that is attractive within the Relation or other listed websites, we do encourage you to speak to your own Insurance Agent, and research available coverages elsewhere.

The products available through Relation 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.