Student Health Insurance

STUDENT HEALTH INSURANCE INFORMATION AND PROCEDURE

LSUHSC-New Orleans offers students the option of purchasing student health insurance through Blue Cross Blue Shield of Louisiana (BCBSLA). During registration, students must either purchase insurance coverage from BCBSLA or must be prepared to show evidence of coverage by another company, in which case the requirement to purchase may be waived. Students who receive medical treatment or who are referred to outside hospitals or clinics will be responsible for their bills. Students will be expected to pay the charges and then file a claim with their insurance carrier.

The premiums for the new plan year are included in the 2022 - 2023 LSUHSC Student Health Insurance brochure. We will be collecting these premiums semi-annually or for six months at a time. The annual plan year runs from July 1, 2022 to June 30, 2023. There are no provisions in the plan to provide COBRA coverage to students who graduate or withdraw from school.

Example: Mary receives her M.D. degree on May 15th, her student health plan coverage ends on June 30th. She begins her new job on July 1 and her insurance through her new employer begins on August 1. Mary will have to make arrangements to obtain coverage for the month of July until her new plan is effective.

BCBSLA does not offer COBRA coverage because it is only required by law for employee health insurance plans. If you plan on graduating in May 2023 and have paid for the health insurance plan, you will have coverage until June 30, 2023.

If you still have questions after reviewing the brochure and the information on this web site, please email shi@lsuhsc.edu.

 

Procedures for Students to Obtain Coverage for Themselves

  1. Students obtain health insurance policy or produce evidence of coverage that supports a waiver from purchasing health insurance policy during the registration process at the Bursar's Office located on the first floor of the Resource Center Building (433 Bolivar Street). Students with waivers are assessed a premium for needle stick benefits only.
     
  2. For continuing students, we are assuming they will want to maintain the same coverage they had at the end of the 2021-22 academic year. If not, please see voluntary changes below.
     
  3. The LSUHSC Bursar's Office will collect premiums due to BCBSLA when students opt for coverage or process refunds due to the student when coverage is being dropped. Please see voluntary and involuntary changes below.
     
  4. Open enrollment periods: Fall 2022 - Students are permitted to enroll for insurance effective July 1, 2022 for a period of 62 days ending August 31, 2022. Spring 2023 - Students are permitted to enroll for insurance effective January 1, 2023 for a period of 31 days ending January 31, 2023. Summer 2023 - Students are permitted to enroll for insurance effective May 1, 2023 for a period of 31 days ending May 31, 2023.
     
  5. Students may be asked to provide BCBSLA with proof of prior coverage from their previous insurance carrier.

 

Procedures for Students to Make Voluntary Changes in Coverage

  1. Students will go to the Bursar's Office to process voluntary changes within the deadlines shown above under open enrollment periods.
     
  2. LSUHSC Bursar's Office will collect premiums due to BCBSLA when students opt for coverage or process refunds due to the student when coverage is being dropped.
     
  3. Students may be asked to provide BCBSLA with proof of prior coverage from their previous insurance carrier.

 

Procedures for Students to Make Involuntary Changes in Coverage Due to Qualifying Events

  1. A qualifying event includes involuntary loss of coverage under another health insurance plan, marriage or birth or adoption of a child.
     
  2. Students with qualifying events who wish to enroll in the student health insurance plan and contact the Bursar's Office during the first through fifteenth day of each month will be enrolled effective the first day of that month and charged a prorated premium beginning with that date.
     
  3. Students with qualifying events who wish to enroll in the student health insurance plan and contact the Bursar's Office during the sixteenth through the last day of each month will be enrolled effective the first day of the following month and charged a prorated premium beginning with that date.
     
  4. Students may be asked to provide BCBSLA with proof of prior coverage from their previous insurance carrier.

 

 

Procedures for Residents, Fellows and House Officers to Obtain Student Health Insurance

To enroll in coverage for the medical or needle stick plans, please contact our local partner Gallagher Benefit Services at lsu.hsc.gbs@ajg.com or 225-906-1280 .

 

 

Procedures for Students to Obtain Coverage for Dependents

Premium costs for your eligible dependents (spouse and children) to enroll in the medical plan varies according to each dependent's age. For more information and/or to enroll your eligible dependents, please contact our local partner Gallagher Benefit Services at lsu.hsc.gbs@ajg.com or 225-906-1227.

Please note that you must enroll your dependents within 30 days of the effective date of coverage for your specific program, and you must pay the total premium due through the end of the current academic term upon enrollment.

Please refer to page 3 of the Student Health Insurance Brochure for a list of programs and effective dates. If enrollment doesn't occur within those 30 days following the effective dates, you will be only allowed to enroll your dependents within 31 days of an involuntary loss of coverage or a qualifying life event.

 

 

Student Dental and Vision Insurance Information and Enrollment

LSUHSC-New Orleans offers students and their dependents the option to purchase dental and vision coverage through AlwaysCare. Student Only, Student + One, and Student + Family options are available.

The AlwaysCare dental plan includes coverage for preventive, basic, and major services at an affordable cost.   All preventive services are covered 100% with no waiting period, and a portion of your unused benefits may carry over from year to year.  For more detailed plan information, click HERE

The AlwaysCare vision plan includes coverage for an eye exam and either contact lenses or eyeglass frames and lenses every 12 months.  With this plan, you will have access to a national network of independent eye care professionals and large optical retail chains including Walmart, Pearle Vision, Target, Sears, and Visionworks. For more detailed plan information, click HERE

To enroll, visit HERE

 

Needle Stick Coverage

  1. Coverage is provided for eligible students for testing and prophylactic treatment of blood-borne diseases following at-risk contact with blood or other body fluids from human or animal sources. This contact may include but is not limited to needle sticks. This benefit is not subject to any co-payment or annual deductible requirement.
     
  2. The stick fee coverage has been upgraded to include a 3 day supply of prophylaxis drugs to be prescribed when a student has experienced a needle stick. The needle stick policy identification card that students receive in the mail includes information necessary to process pharmacy claims in the event of a needle stick.   
     
  3. Students who have Medicaid as their primary insurance must present both their needle stick card and their Medicare card to the pharmacy for ALL prescriptions.
     
  4. Services must be received at any BCBSLA network provider including but not limited to:
    • The LSU Student Health Clinic
    • Children's Hospital in New Orleans
    • Our Lady of the Lake
    • Baton Rouge General Hospital
    • Ochsner Hospital
    • Ochsner Baptist
    • Baton Rouge General Occupational Health
    • LabCorp
    • Our Lady of Lourdes Rapides Medical Center in Lafayette
    • Medical Center of Louisiana at New Orleans
    • University Medical Center in Lafayette
    • Walter Moss Medical Center
    • Leonard Chabert Medical Center
    • Lallie Kemp Medical Center
    • Our Lady of Angels Hospital
    • Touro Infirmary
    • East Jefferson General Hospital
    • West Jefferson Medical Center
       
  5. LSUHSC Student Health Clinic information is available at http://www.lsuhsc.edu/orgs/studenthealth/ .
     
  6. Students who are charged the needle stick only fee have provided proof of having their own insurance policy and should be familiar with the benefits offered by their own insurance plan for needle sticks.

 

 Student Health Insurance Brochure

Here is a link to the LSUHSC Student Health Insurance Brochure:

docs/LSU_Health_Brochure.pdf