If you are/where/are going to be a BYU student, then perhaps you”ve heard about the BYU Health Plan. It is insurance that covers BYU students and their families, for about $200 a semester. The school requires students to have medical insurance – a pr
actice that started in 1989. It was to prevent students from receiving medical care while at school and then moving home without paying. It was also to prevent the students from receiving medical care at the expense of the LDS church, of which most BYU student are members.
So, if you or your child attend BYU, it”s probably best to know a little about this health plan. It is not too terribly expensive, as far as health insurance goes, but it does not cover everything. You need to read the handbook. It will tell you what is and is not covered by the plan. A few important little tips up front:
- Any service provided outside of the health centers must be preauthorized. This means that you must call Deseret Mutual and tell them where you are going and what kind of medical treatment you are planning on receiving. If you fail to do this, the $25 co-pay charged for visiting a non-affiliated facility will be raised to $100, and any treatment you receive there may not be covered in the plan, meaning that you must pay for it.
- When you make an appointment with the health center, a $10 co-pay will be charged to your student account. This is raised to $15 if you do not make an appointment beforehand, which constitutes an emergency visit.
- There are specialists at the Health Center, but you will most likely visit with a general practioner. This means that the same lady who told you that the rash on your arm was not contagious could also be your OB/GYN.
To avoid expense and frustration, read the handbook before you buy the plan, before you go in the health center, and DEFINITELY before you go somewhere else, if you are on the BYU Health Plan.