Communications Toolkit for New Graduate Students

Developed especially for faculty and staff, this collection of tools will help communicate important information about health insurance and other requirements for new graduate students.

Frequently Asked Questions About Insurance

Questions about Student Health Insurance

What is the insurance requirement at CSU?

CSU requires students with six or more Resident Instruction credits to have health insurance. Students are automatically enrolled in the CSU Student Health Insurance Plan unless they show proof of a private plan that is Affordable Care Act compliant and has a $2500 or less individual deductible.

Learn more information about the health insurance requirement.

Questions about Dependent, Spouse or Domestic Partner Health Insurance

What health services are available on campus for students and their dependents, spouses or domestic partners?

Enrolled students and their spouses or domestic partners have access to all services at the CSU Health Network including medical care, counseling and health education/prevention services. Students’ dependents (child or children) would be referred to a community provider based on their age or need. More information about CSU Health Network services can be found at health.colostate.edu.

What health insurance options are available for students’ families?

CSU has found that health insurance coverage for students’ dependents, spouses or domestic partners is most affordable through the open market.

Where can students find health insurance coverage for their dependents, spouses or domestic partners?

The Colorado Health Insurance Exchange is a marketplace where Coloradans can shop for and buy health insurance based on quality and price. The Exchange also provides financial assistance to people with certain income levels to reduce up-front costs.

What steps can students take to secure coverage for their dependents, spouses and domestic partners?

At the Colorado Health Insurance Exchange website (ConnectForHealthCo.com) students can browse plans anonymously and compare prices, coverage levels and provider network coverage. The website is easy to navigate and provides customized quotes based on each family’s needs. Students can chat online with a Health Guide while on the site or can call to speak with someone at (855) 752-6749.

Where can a student get assistance with the process?

For students that may need more specific guidance, they can schedule an appointment locally with a Larimer County Health Guide by calling (970) 420-7313 or logging on to Larimerhealthconnect.org.

How much will health insurance cost for dependents, spouses or domestic partners?

Cost for health insurance plans for dependents, spouses or domestic partners vary and are dependent on income and other factors. Students’ dependents, spouses or domestic partners may be eligible for Medicaid or subsidies through the Exchange, which will reduce insurance costs. Costs could be as low as $200 per month, which is much more affordable than the rate the University’s plan could provide.

When students arrive in the fall, can they access the Colorado Health Insurance Exchange to find coverage for their families?

The Colorado Health Insurance Exchange opens for enrollment in mid-November and closes mid-February. However, students’ families can enroll in a health insurance plan if there is a qualifying health event, which includes:

  • Moved to Colorado
  • Marriage or civil union
  • Birth or adoption
  • Change of American Indian/Alaska Native status
  • Change of residence (if moving out of a service area)
  • Gain or loss of eligibility for the tax credit or cost sharing reduction
  • Incorrect or inappropriate enrollment NOT due to customer error
  • Loss of minimum essential coverage (MEC)
  • Employer-sponsored coverage becomes unaffordable
  • Gain of Citizenship or Immigration status

For more information about qualifying health events, visit the Colorado Health Insurance Exchange Website.

Can International Students’ dependents, spouses or domestic partners access health insurance coverage through the Colorado Health Insurance Exchange?

Yes, if they have already moved to Colorado and have an address. Other options are available, however, for International Students’ dependents, spouses or domestic partners, including:

Frequently Asked Questions About the Graduate Assistant Health Insurance Contribution

For more detailed information about the health contribution, learn more from the CSU Graduate School:

Assistantship Health Contribution

What requirements must students meet in order to be eligible for the graduate assistant health insurance contribution?

Students must meet the following eligibility requirements:

  • Have an assistantship appointment of at least 25% (10 hours per week) by the end of the regular add/drop period and
  • Hold CSU health insurance and
  • Be enrolled in at least 5 resident instruction on-campus credits (excluding Online Plus credits)

What will the amount of the graduate assistant’s health insurance contribution be?

  • For students who meet the GA eligibility requirements in both the fall and spring semesters, the CSU health insurance contribution will cover 100% of the fall, spring and summer health insurance premiums, effective Fall 2015.
  • For students who meet the GA eligibility requirements for only one semester,the CSU health insurance contribution will cover 100% of the insurance premium only in that semester.
    • Students who serve as a GA for one semester will not be eligible for CSU’s summer health insurance contribution.

If students are eligible as graduate assistant for the health insurance contribution, when is the contribution applied to my CSU student account?

The health insurance contribution will appear on the student’s CSU account as a credit, approximately one week after the end of the regular add/drop date.

Is the health insurance contribution taxable?

The contribution is considered “supplemental wages”. Supplemental wages are taxed at a higher tax rate and will decrease the first paycheck of the semester for the student (once only each semester, fall and spring).

Do students need to apply for the health insurance contribution?

Students do not need to apply for the health insurance contribution. They will automatically be identified.

Student Resources

On-Campus Health Care

CSU Health Network
health.colostate.edu

Medical Services
(970) 491-7121

Counseling Services
(970) 491-6053

Health Education and Prevention Services
(970) 491-1702

Student Health Insurance Office

CSU Health Network Student Health Insurance Office

Lynne Bunn, Student Health Insurance Manager
(970) 491-7806
lynne.bunn@colostate.edu

Options for Domestic Students’ Families:

To seek coverage:

Connect For Health Colorado
(855) 752-6749

To schedule an appointment with a health guide:

Larimer County Health Connect
(970) 420-7313

 

Options for International Students’ Families:

To seek coverage:

Connect For Health Colorado
(855) 752-6749

To schedule an appointment with a health guide:

Larimer County Health Connect
(970) 420-7313

Other International Student Health Insurance options:

International Student Insurance

Seven Corners

International Medical Group

Frontier MEDEX

 

 

Other Health Requirements for Enrollment

  • Complete the Haven: Understanding Sexual Assault Program
  • Turn in Immunization Records- Measles, Mumps and Rubella (MMR) and Meningococcal Vaccinations
  • Complete Important Health Forms- Health History and Tuberculosis Screening
  • Fulfill the Health Insurance Requirement
  • Consider the RamCare Supplemental Program

Follow the directions on the new student checklist and make sure you have completed all the necessary requirements by the date given.