Reflecting an upward trend nationally in health care costs, Student
Health Services announced last month that insurance rates for Emory
students, their spouses and dependents will rise 68 percent
for the 200203 academic year.
Accompanying those increases will be higher costs for prescription
drugs, emergency services and outpatient specialists, as well as
the introduction of a $100 deductible.
While no one wants rates to go up and coverage to go down,
these changes were necessary and inevitable, said Michael
Huey, executive director of Student Health Services. Huey sat on
the Student Health Insurance Advisory Committee, a joint committee
of faculty, staff and students charged with addressing student health
The new annual rates are as follows: student ($979), spouse ($2,218)
and children ($995). Those numbers represent a 6.8/7.5/7.5 percent
increase from the 200102 academic year, but are only slight
jumps from 200001. Student insurance rates fell prior to last
While the increases are not insignificant, they are considerably
lower than national averages. Overall health care costs went up
12 percent in 2001 and are predicted to rise 1415 percent
In addition to the rate hike, the following changes to services
will be instituted.
$15 generic/$25 brand-name co-payments for prescription
drugs (previously $10 generic/$20 brand).
$100 co-pay for emergency care, then 80 percent coverage
($50 co-pay/100 percent coverage).
$25 co-pay and 80 percent coverage for outpatient specialists
($25 co-pay/100 percent coverage).
$100 annual deductible at Student Health Service (no deductible).
Emory also is changing insurers; Student Assurance Services will
replace Reliastar as plan provider.
The plan is a result of about four months of negotiation between
the 21-member committee and insurers. Basically, Huey said, the
committee worked to obtain the most reasonable price without a significant
cut in service.
We had to figure out what we were willing to give in terms
of the expenses of the plan, Huey said. The quality
is as good or better than most campuses our size.
A total of 2,396 current students are enrolled in the health insurance
plan. Spouses, dependents and recent graduates who have remained
in the plan push the total number of enrollees to nearly 2,600.