BYU student health plan exemption expires

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  • mbd1978 Rigby, ID
    Sept. 4, 2015 7:05 p.m.

    Here's a radical idea--make it illegal for doctors and hospitals to charge $1500 for walking into an ER for stomach pains, $800 to take a urine sample, $600 to read your blood pressure, etc. The true gouging is being done by the health professionals, and if we as a country did not allow that, then we wouldn't be worrying about Obamacare at all. We would be paying 1/1000 of what we are now, and we could be out of pocket for the whole thing for less than our family deductibles and co-pays now. Plain and simple. And, no, I'm not saying doctors should work for free. I'm saying they should have a rate cap of about $50-$75/hour for their services and still be in the top 10% of wage earners by doing so. Machinery also gets paid for 10000x over, and the rates for use of these machines should be greatly diminished. Think about it, folks!

  • Homer1 MIDVALE, UT
    Sept. 4, 2015 1:54 p.m.

    Some people seem to misunderstand the whole concept of insurance. Whether it's some "socialist" scheme of Obama's or the traditional method that has been accepted by private companies for centuries it's the same. Everyone pays in and then the company uses that money to pay out to those who need it as the case may arise. That way, everyone is "insured" that they won't go bankrupt if some big problem comes up, which it may, or may not. Yeah, sometimes you pay in and you don't go a doctor all year. What you're really paying for is the possibility. Why does this concept turn into socialism when we're talking about Obama? Why would we want a society that allows poor college kids to be without the protection of insurance just because they're financially less able to pay at the moment?

  • LKinVA Henrico, VA
    Sept. 4, 2015 9:37 a.m.

    Many parents of college age children struggle with financial responsibilities! How long should a parent continue to support adult children? Once they get married, they are telling me they can stand up on their own!
    For those people that have Tricare (retired military), once your child is no longer a student, married, or turns 23--you cannot keep them on your insurance. Ironic, isn't it?

  • kolob1 sandy, UT
    Sept. 4, 2015 7:38 a.m.

    "Y'know, I keep seeing arguments like this decrying the boogeyman of socialism... But that looks like a good plan to me. Let's be socialists!".

    Any health insurance plan that pays for a doctor performing a digital rectal examination (DRE) has to be socialism.

  • kolob1 sandy, UT
    Sept. 4, 2015 7:15 a.m.

    "Sad that ObamaCare forces people to buy things they don't want or need, all in the name of the liberal agenda."

    The ACA was originally proposed by Republicans. Kemp, Dole and then Romney. If you think you don't like the mandate when it comes to health care just wait for the Republican mandate when they get their greedy little hands on Social Security. You will be forced to put money into their stock buying plans designed by Wall Street. And oh yes the US Federal Government will have to bail out Wall Street if there is a catastrophic loss.

  • mrjj69 bountiful, UT
    Sept. 4, 2015 12:32 a.m.

    Another example this failed piece of legislation. The longer this law remains in place the more people lose their insurance, or becomes too costly to afford. Hopefully the new administration at 1600 Pennsylvania, will come up with a solution, rather than bureaucratic rhetoric.

  • JSB Sugar City, ID
    Sept. 3, 2015 2:23 p.m.

    BYU is trying to develop a health care plan that will fit the needs of their students. Obamacare says you can't have a health care program that will fit the needs of the people who will be using your insurance, you must have a program that will fit the needs of people in California and Texas and Illinois and--on and on and on. What happened to "If you like your plan, you can keep it."

  • RedShirt USS Enterprise, UT
    Sept. 3, 2015 2:13 p.m.

    To "Mr. Whim" so then, you could have obtained coverage before the ACA, you just didn't want to have to pay out of pocket for 6 months of treatment before you could get on HIPUtah.

  • SlickMick Ashburn, VA
    Sept. 3, 2015 1:28 p.m.

    @Frozen Fractals

    You are incorrect. Marriage does not remove the option to remain on parental insurance until 26. This is for sure from the HR Dept of a Fortune 100 company.

  • Mr. Whim Salt Lake City, Utah
    Sept. 3, 2015 12:57 p.m.


    A person is eligible for Federal-HIPUtah coverage if he or she meets the following criteria:
    5. Has not been covered under creditable coverage during the six-month period prior to application

    In other words- I would have had to wait for 6 months, without coverage, without treatment, and then APPLY to MAYBE get covered. 6 months without treatment would almost certainly have made my condition immeasurably worse.

  • Mr. Whim Salt Lake City, Utah
    Sept. 3, 2015 12:43 p.m.


    Y'know, I keep seeing arguments like this decrying the boogeyman of socialism... But that looks like a good plan to me. Let's be socialists!

  • 10CC Bountiful, UT
    Sept. 3, 2015 12:39 p.m.

    So, the University of Utah successfully adjusted to a changing landscape, but BYU is struggling with the same adjustment.

    Where have we seen this before...?

  • RedShirt USS Enterprise, UT
    Sept. 3, 2015 12:19 p.m.

    To "Mr. Whim" you are wrong. Prior to the ACA you could have obtained insurance through HIPUtah.

  • sigmund5 Salt Lake City, UT
    Sept. 3, 2015 12:08 p.m.

    How can such a wealthy church that builds malls and owns Billions of dollars in businesses not be able to afford decent health care? The complainers here continue to use this forum to bash Obama. What part of the kids can be on parents plans until 26 don't you understand??

  • 1conservative WEST VALLEY CITY, UT
    Sept. 3, 2015 11:51 a.m.

    "If you like your insurance you can keep your insurance", "If you like your Dr. you can keep your Dr".

    I know this is true because Obama said so.

    The BYU story, therefore, must be false.

  • Frozen Fractals Salt Lake City, UT
    Sept. 3, 2015 11:34 a.m.

    "Facts are, Obamacare spikes insurance costs."

    Healthcare costs have increased at a slower rate the past half dozen years than at any other rate in the past half century.

  • Frozen Fractals Salt Lake City, UT
    Sept. 3, 2015 11:29 a.m.

    I think marriage removes the option to stay on a parents' health plan until 26.

  • 1aggie SALT LAKE CITY, UT
    Sept. 3, 2015 11:25 a.m.

    Insurance companies sole goal is to make money.

    "It turns out that one of the reasons workers have been paying more for their coverage is allegedly a common practice among insurers: charging their employer customers unlawful hidden fees.

    The fees came to light when Hi-Lex Controls, an automotive technology company, took Blue Cross Blue Shield of Michigan (BCBSM) to court in 2013 after becoming suspicious that the company had been systematically cheating it over 19 years. After reviewing evidence in the case, a judge ordered that BCBSM stop charging the hidden fees and pay Hi-Lex $6.1 million.

    Documents filed in the case showed that in 1993 BCBSM implemented a scheme through which it would collect additional revenue by adding certain mark-ups to hospital claims paid by its self-insured customers. Most of the country’s largest employers self-insure, which means that they are on the hook for medical claims when employees and their dependents get sick or injured. Self-insured companies hire firms like BCBSM to do the paperwork. It is the employer’s money—not the insurance company’s—that is “at risk” in such arrangements."
    (Wendell Potter)

  • Mr. Whim Salt Lake City, Utah
    Sept. 3, 2015 11:09 a.m.

    The ACA mandates that insurers must accept preexisting conditions, which includes "gender identity disorder", considered a preexisting condition before the law. There is nothing that specifically "requires" health plans to cover certain things, so much as it disallows them from discriminating against pre-existing conditions.

  • Gregorio Norco, CA
    Sept. 3, 2015 11:03 a.m.

    Obamacare provided massive government subsidies so that more people could buy healthcare at the same inflated prices that so threaten the US Treasurer and our global competitiveness.
    Here is the 2700 page Obamacare condensed to 4 sentences for the BYU students on Health Plans offered to the students:

    1. In order to insure the uninsured, we first have to un-insure the insured like at BYU today (DN 3 Sep 2015)
    2. Next, we require the newly un-insured to be re-insured at BYU.
    3. To re-insure the newly un-insured BYU students, they are required to pay extra to the re-insured.
    4. The extra charges ( like at the U of U) are required so that the original insured, who became un-insured, and then became re-insured, can pay enough extra so that the original un-insured can be insured free of charge to them.
    (THIS IS CALLED "redistribution of wealth"...or by its more common name SOCIALISM!)

  • Starbug Alpine, UT
    Sept. 3, 2015 11:04 a.m.

    It isn't as if this all came out of the blue, they were granted an extension so BYU knew this was coming up and the students and BYU should have planned and been prepared! I don't understand why they didn't take care of this? They should already have a compliant plan available or a coordinator on campus to assist students with registering through the goverment's ACA exchange since Utah still doesn't have one. OR even better the state of Utah could FINALLY set up an exchange so that Utahns can enjoy the same healthcare coverage that people in neighboring states like Colorado enjoy. I am sympathetic to the young couple in this article, but she said the cost went from somewhere in the high $300 range to around $476, if the $476 is for both of them it is actually a savings, that is only $235 ish per year each? Regardless BYU should have been on top of this like the U of U was!

  • 1aggie SALT LAKE CITY, UT
    Sept. 3, 2015 10:54 a.m.

    "Let insurance be transportable across state lines"

    You obviously have never worked in the billing dept of a drs. office or a medical facility and have no idea of the complexities
    and difficulties trying to get payment from insurance companies for in-state policies.

    If drs. simply billed pts for their services and left it up to pts to get reimbursement from insurance companies, we would have single-payer tomorrow.

    Young adults can stay on their parents insurance until they are 26 (I believe even if they are married). I don't understand why a parent wouldn't permit that--even if they required their child to reimburse them for their portion of the insurance premium.

  • Mr. Whim Salt Lake City, Utah
    Sept. 3, 2015 10:50 a.m.

    Without the ACA, I would never have been able to get insurance again after I turned 26 this year. My contract job ended, and absolutely no one would have re-insured me due to my having Multiple Sclerosis.

    What I'm hearing a lot of here is "I don't care about people who can't afford insurance otherwise- Obamacare is specifically inconveniencing ME, so it's a complete failure."

  • Eliot Genola, UT
    Sept. 3, 2015 10:45 a.m.

    Most BYU students will never see the inside of the health center or a doctor's office during the time they are in school. For the most part they are healthy, active young people who do not need the care of a physician. Yet they are forced to pay for expensive medical coverage. A little insurance to cover the minimal risk of catastrophic care is about all they need.

  • sigmund5 Salt Lake City, UT
    Sept. 3, 2015 10:32 a.m.

    Tilly Sue, where in the Constitution does it say anything about building roads, building schools, fire protection, police protection, building dams that save lives, VA hospitals, environmental protection, food safety, building inspections, medical research to save lives, the FAA so planes don't crash-well we wouldn't have airplanes by your logic, etc etc etc. Libertarians live in a fantasy land where we would be a second or third world country.

  • SlickMick Ashburn, VA
    Sept. 3, 2015 10:31 a.m.

    DN must not have liked my last post...let me try again

    Here's the bottom line. The real reason behind her inability to be on her parents' insurance likely has little to do with Obamacare. I am no fan of Obamacare, but it seems the article and most posters are getting all wound up when the real issue is much clearer to those who know a thing or two about how benefit enrollment works.

    The only way she can't get on her parents' insurance is if the parents are not currently paying for family coverage or, if they are, this current situation may not qualify as a qualifying event to trigger a PIE (Period of Initial Eligibility) wherein her parents could add her to their existing family coverage. So she may have to wait until their open enrollment to make the change.

    One can envision a scenario where kid gets married and mom and dad drop down to employee and spouse coverage to save money thinking it would be cheaper for the kid to use the BYU insurance. Personally, I'd think that would be really cheap of the parents to do this, but that's just me.

  • David Centerville, UT
    Sept. 3, 2015 10:19 a.m.

    Lyn 52,

    "Substandard"? Before Obamacare the BYU plan was acceptable but now Obama has set the "standard"? Why is that acceptable? Why not let the market set the standard rather than some politician?

    Has Obama's plan lowered healthcare costs? Hardly. It has only decreased the amount government has paid towards healthcare.

    But Liberals want a universal plan with every American covered. That will only increase government spending on healthcare, and increase our taxes to cover it. And we all know what we'll end up with--Medicare and the VA for everyone.

  • illuminated St George, UT
    Sept. 3, 2015 10:10 a.m.

    Orwell's 1984 didn't even come close predicting the disaster that would be to this nation under liberalism.

  • a_voice_of_reason Woods Cross, UT
    Sept. 3, 2015 10:09 a.m.

    Having been on the BYU health plan while a student there - and worse yet paying for the maternity coverage for my non-student spouse - I can absolutely say these students (except those who are in Utah's unfortunate unnecessary Medicaid/ACA gap) will be far better off getting Obamacare coverage. That said, it shows how Obamacare is indeed pushing people into it. While expensive, students saw the BYU plan as sufficient and as being a reasonable price considering all factors. But, Obamacare says it's not enough for this segment of the population which, on average, is extremely healthy. They must have Obama's definition of "complete" coverage or face penalties, but don't worry - the government is there to save you from the fines - using other taxpayers dollars...and this isn't a step toward socialized health care?

  • SlickMick Ashburn, VA
    Sept. 3, 2015 9:55 a.m.

    Ditto GZE...

    I don't get why she can't stay on the parents' plan. Seems to me some people may be thinking the old rules apply, but my understanding is that married or not, you can be covered under your parents' plan for medical even if you are not their dependent up until age 26. Maybe the real issue is that the parents don't want to pay for family coverage if it's just mom and dad still at home?

  • Billy Bob Salt Lake City, UT
    Sept. 3, 2015 9:26 a.m.


    The BYU insurance is fine. It is Obamacare that is the problem, considering that it is a horrible law.

  • Billy Bob Salt Lake City, UT
    Sept. 3, 2015 9:25 a.m.

    Obamacare is stupid and has a lot of unnecessary requirements for insurance plans to be "compliant". The government should stay the heck out of health insurance. If I want to buy health insurance that doesn't include all of the stupid Obamacare requirements, I should be allowed to do so without being penalized by the IRS (I could write an entire article on why it is absurd that the IRS is now directly involved in health insurance, but I digress). However, because it is currently the law, BYU should adjust their health care plan to be compliant if only to help their students who buy the BYU health insurance plan to not have to pay stupid fines to the government for not having "compliant" health insurance. Even though Obamacare is dumb, BYU should not allow that fact to hurt their students.

  • Vanceone Provo, UT
    Sept. 3, 2015 9:21 a.m.

    Why are people so determined to force college students to pay for gender change insurance and maternity coverage? Facts are, Obamacare spikes insurance costs. Obamacare compliant insurance is far more expensive that insurance that doesn't cover all the "liberal wish list" items.

    BYU has an honor code that students are supposed to follow, and have agreed to follow. The only ones who need maternity coverage are the ones who get married or who are married; if you get pregnant while single, you are probably going to not be going to BYU for a semester or so anyway. That's the nature of going to BYU--you commit to not doing stupid stuff; and not coincidentally, if you follow the Honor code your health costs are going to be lower. Married students I am sure have access to maternity coverage.

    So why punish students who are trying to be healthy anyway? Obamacare is designed to bill all the healthy young people for their grandparents health costs; it's a massive wealth transfer from the young to the old. It's entire "financial stability" is built on young people paying through the nose and never using the services.

  • Back Talk Federal Way, WA
    Sept. 3, 2015 9:10 a.m.

    The one big benefit of Obama Care (though this would have passed separately on it own) was that children can stay on parents healthplans until they are 26. That is regardless if they are married or possibly even working.

    I would expect most BYU students would fit this situation.

    Still, BYU and / or the State needs to make some health plans available to those that need them

  • Lyn52 Saint George, UT
    Sept. 3, 2015 9:04 a.m.

    Why not offer insurance that is ACA approved?? Why offer substandard insurance to your students??

    Sept. 3, 2015 9:04 a.m.

    Why can't she stay on her parents health plan until she's 26? That's the law. The only reason is that they won't let her.

  • Noodlekaboodle Poplar Grove, UT
    Sept. 3, 2015 8:52 a.m.

    No, people who want single payer in the US want to create a national insurance company, not buy or seize every hospital and doctors office to make them part of a government owned chain of hospitals.

  • texascamp Grand Junction, CO
    Sept. 3, 2015 8:51 a.m.

    This is not an Obamacare bashing article.
    Truth, to be compliant with Obamacare, or the ACA, policies have to cover certain procedures that our previous insurance policies did not. For instance, transgender surgery must be covered by Obamacare compliant policies,(that will cost in the $100,000s to cover) inpatient Drug Rehab has to be covered, maternity has to be covered. So, it is doubtful BYU is ever going to want to cover transgender surgery so their own insurance will never be compliant.

    Truth, I thought I was being gouged a few years ago with my $500 per month premium and $1000 family deductible. However, I long for those days. The cheapest Obamacare compliant policy for my family is $1500 per month with a $10,000 family deductible. Even if we broke a leg, (which we have done twice) Obamacare wouldn't have paid a cent. Why would I buy into this?
    Imagine paying $7,000 fees for the broken leg, plus $18,000 for the insurance premium, only to have the insurance not pay a cent! That's $25,000 for nothing. It's better to just pay out of pocket and save the $18,000. I'll just have to stay the same sex.

  • Monk Smecklsburg, UT
    Sept. 3, 2015 8:37 a.m.

    So, looking at the out-of-pocket costs (including the ACA "penalty tax") the BYU Health Plan is still a better deal. This includes premiums, coverage, deductibles (the BYU plan has none), etc. Most students won't be able to afford the gold and platinum plans. So, it looks like BYU made the right choice for students.
    Most students won't even be effected by the individual mandate anyway. Do your homework kids!

  • sally Kearns, UT
    Sept. 3, 2015 8:38 a.m.

    Utah Health Policy Project--thank you for posting the benefits of calling 211. They can answer other financial issues for low income students that are single or married. I needed info on food pantries for a family in our neighborhood. They directed me to a helpful website. They can assist for food stamps, housing, and many other items too. As a student you may learn that you are better off making less money working while in college and temporarily using government benefits. This can also mean less school loans.

  • Esquire Springville, UT
    Sept. 3, 2015 8:24 a.m.

    @ Vanceone, no one is saying duplicate the VA system. No one. It's apples and oranges. Your claims are false and deliberately misleading.

  • Esquire Springville, UT
    Sept. 3, 2015 8:23 a.m.

    If the U of U can make it work, so can BYU. The problem is at BYU.

  • Utah Health Policy Project Salt Lake City, UT
    Sept. 3, 2015 8:20 a.m.

    Take Care Utah's enrollment experts are available to help anyone in Utah who has questions about health insurance--not just BYU students. All assistance is free. Take Care Utah has helped tens of thousands of Utahns learn about their new health insurance options and get signed up. Find the nearest enrollment experts at the website, takecareutah-dot-org, or by calling a statewide call center at 2-1-1.

  • Vanceone Provo, UT
    Sept. 3, 2015 8:12 a.m.

    Remember, the left says that we should have single payer. Like the Veterans Administration.

    Today, the Inspector General just released his report that said that at least 307 thousand veterans, or about 1/3rd, died while waiting for the VA to approve health care.

    This is the system that the left wants for all of us. A system where 1/3rd die.

  • Flashback Kearns, UT
    Sept. 3, 2015 8:06 a.m.

    "You like your doctor? You will keep your doctor. You like your plan? You will keep your plan."-Barack Obama.

    The ACA is nothing more than a way for large insurers to make money while cutting back on services.

    I for one don't want my children covered by my insurance once they get married. At that point, it is their responsibility to get their own due to starting their own family.

    Since the advent of ACA, my insurance has gotten worse. I used to have a 90/10 plan with no deductible nor "out of pocked" expenses except the copay. Now I have a huge deductible that costs me a lot. Also my plan is now 80/20 and I pay a lot more because of the 20% AND the deductible.

    The ACA is a crock.

    Two suggestions. 1-quit catering to the big insurers and let insurance be transportable across state lines. 2- Get the lawyers out of health care. Let them sue if someone really screws up. But not for everything.

  • carman Wasatch Front, UT
    Sept. 3, 2015 8:03 a.m.

    Sad that ObamaCare forces people to buy things they don't want or need, all in the name of the liberal agenda. This country used to be about individual choice and responsibility. Increasingly, neither are valued by a growing majority of the population. It is easier to let someone else to make your decisions for you, and ask others to pay your way.

  • wazzup Cottonwood Heights, UT
    Sept. 3, 2015 8:03 a.m.

    For all of you who are enamored with the ACA and criticize those who complain about the law, here are some real life facts from a friend who just retired as a HR director ... but at least you get free contraception, right? That's why we need Planned Parenthood.....but I digress.

    My friend was HR director at a government agency. Before presenting to his departments, he had to read the ACA multiple times to attempt to understand it. Still confused, he would call HHS, who couldn't address the questions ("it's still evolving"). The additional cost to comply to one department alone was over $700,000.

    And for those promoting universal health care. Are you kidding me? Medicare and the VA System is so screwed up, now you want to make sure everyone participates in these types of programs? I would rather keep the burden of healthcare rather than the burden of poor healthcare.

    Just because the president says it is working, doesn't mean it is working. Thank you very much, but I like my doctor and like my healthcare. Remember, that lie? But the gullible will continue to believe.

  • TilleySue South Weber, UT
    Sept. 3, 2015 8:01 a.m.

    Where in the Constitution is the federal government given jurisdiction over health care?

  • Vermonter Plymouth, MI
    Sept. 3, 2015 7:42 a.m.

    @Wisconsin Moderate.
    Universal healthcare would simplify things greatly. The pluses are it is great if you are relatively healthy and only need basic medical services. The downside is that when you get old and need specialized services or surgeries, you will need to take a number and wait...weeks, months, and sometimes years, and hope you don't have a problem that is going to kill you. But, it does look like we are eventually headed for universal healthcare. This is what we collectively chose in the last few elections.

  • pragmatistferlife salt lake city, utah
    Sept. 3, 2015 7:23 a.m.

    And this is the same "culture" that is going to fix Utah's Health Insurance problem.

    What this exposes is what some of us have known all along and that is the "culture" has no intention of doing what is best for the citizens. Their actions are always twisted by some form of twisted ideological ideas what's in it for me, with a healthy dose of never, never, never, do what Obama has suggested.

  • Dixie Dan Saint George, UT
    Sept. 3, 2015 7:17 a.m.

    It has been almost 7 years since the ACA was passed and BYU is still struggling with it? I hope they don't expect any help from the legislature since the Y is a private school. If the ACA would have been passed by "President Romney", BYU would probably been the first in line to enroll in this program.

  • cmsense Kaysville, UT
    Sept. 3, 2015 7:04 a.m.

    Another reason to expand medicaid. We just found out where a lot of people in the coverage gap reside.

  • Wisconsin Moderate GREENDALE, WI
    Sept. 3, 2015 5:22 a.m.

    This is why we, like the rest of the developed world, need universal health care. This would take the burden of offering health insurance off of BYU.

  • eastcoastcoug Danbury, CT
    Sept. 3, 2015 4:09 a.m.

    Why are we only finding out about this after the expiration? This news is coming so late, after insurance plans have already been purchased. It seems BYU Health insurance has decided to be a niche player- covering students who don't earn enough to be penalized. If that's not it, I'd like some clarity from the people running this plan about their intentions.

  • Bob K Davis, CA
    Sept. 3, 2015 3:11 a.m.

    Just another in a long string of "we resent Obama and won't do anything that goes along with him" articles on the DN.

    In the first place, the entire article is deceptive, because she does not mention that students whose parents signed up at are covered until they are 26, if the parents choose to keep them on their plan.

    I am extremely dubious that BYU finds the ACA's rules so terribly wrong that they are happy to force students to pay fines, rather than go along with something that is working well in other States. To me, it looks like they are playing politics.

    "... BYU's student health plan does not comply with a number of rules imposed by the ACA, including those that say insurers can't place annual dollar limits on benefits and others that place limits on how much insurers may spend on administration, marketing and profits."

    --- Those do not sound bad to me

    The issue of contraception, which the health care law requires insurance plans to cover for free, was also “one of the factors”

    --- Married students get contraception. Is there some twisted idea that covering unmarried promotes sin?

    It's not 1960