The Student health Insurance Plan (SHIP) is fully compliant with the Affordable Care Act (ACA) and all other federal and state mandates.
- The SHIP pays for a variety of medical services, including hospital room and board, inpatient and outpatient surgical procedures, labs and x-rays, chemotherapy and radiation, inpatient and outpatient mental health services, physician office visits, consultant visits, ambulance, emergency care and prescription drugs. It also covers intercollegiate sports injuries the same as any other Injury.
- It covers preventive care services at no cost when In-Network providers are used. This includes routine physicals and examinations, screenings, GYN examinations, and most immunizations.
- It pays for 80% of medical fees when In-Network providers are used. This is the advantage to using in-network providers. When Out-of-Network providers are accessed, the SHIP pays 65% of the medical fees, meaning potential out-of-pocket costs are more.
- There is a $300 per policy deductible for in-network medical services. This deductible is waived when first seeking care from USD Student Wellness services and receiving a referral.
- There is a $600 per policy deductible for out-of-network medical services.
- For prescription drugs from participating pharmacies, you will pay:
- a $15 copay for a 30-day supply of a generic drug
- a $30 copay for a 30-day supply of a preferred brand name drug
- a $50 copay for a 30-day supply of a non-preferred brand name drug
Visit the Gallagher Student Health website, locate "Plan Details" to review Frequently Asked Questions where more plan information can be found.
