Student Resources

GTU Health Insurance Program for Students (HIPS)

Provided by Kaiser Permanente…Thrive!

GTU & Kaiser Permanente

The Graduate Theological Union (GTU) and participating member schools and institutions sponsor a medical insurance plan designed to provide students with complete medical coverage at a very reasonable cost. The plan is with Kaiser Permanente, one of the largest health organizations in California, with over 8,000 physicians at more than 150 locations in northern and southern California to serve you.

If you are enrolled for six (6) or more credits or units in any one semester, you are eligible to participate in the GTU HIPS program. If you are enrolled for nine (9) or more credits or units in any one semester, you must enroll in the GTU HIPS program, or provide proof of health insurance with comparable benefits to waive coverage. Enrollment in the HIPS plan is for the twelve months of the academic year beginning on September 1 and ending on August 31. Unless your eligibility to participate in the program changes, you will be enrolled for the entire year. Premiums for the plan are paid in two equal installments at the beginning of each semester.

The annual and semester rates for the 2013-2014 HIPS plan are:

	Per Semester	Per Year
Student	$1,442.34	$2,884.68
Student and Spouse	$3,173.16	$6,346.32
Student and Child(ren)	$2,884.68	$5,769.36
Student and Family	$4,615.50	$9,231.00

The HIPS plan has a $500/person, $1000/family deductible, 20% coinsurance after the deductible due for in-patient hospital care and out-patient surgery and related tests and labs, and a $40 co-payment. There is no charge for preventive care.

Student enrollment periods are August 20 to September 14 and January 21 to February 15. Students indicate their choice to either enroll or waive coverage in two places. First, for billing puposes, students select their health insurance choice in WebAdvisor during the registration process. Second, students go to the Kaiser Permanente website at http://studentnet.kp.org/gtu to enroll or waive out of the plan.

To review the benefits summary, enroll in the GTU HIPS program, or to provide information about membership in a comparable plan and, therefore, waive out of the GTU program, visit http://studentnet.kp.org/gtu .

After enrollment in the GTU health plan, you will receive a KAISER Enrollment Package that will give you more details of coverage.

Should you have any questions or need additional information, please contact Maureen Maloney at maloney@gtu.edu