While studying at Hawai‘i Pacific University (HPU), students need to protect their health and financial stability by having adequate health coverage to address minor and major illnesses that may arise, and to avoid unexpected interruption of their education by high medical expenses. We strongly urge all HPU students to have medical insurance. If students have health insurance, contact the insurance provider regarding the scope of coverage in Hawaii
Students who are required to show proof of insurance include:
International students are required to have health insurance as a condition of enrollment at the University. If a student has coverage, they need to provide adequate proof by completing the International Student Health Insurance Waiver. The waiver verifies that students have health insurance and comparable coverage through another insurance plan. Waivers must be submitted to the Dean of Students Office (MP 105 or email@example.com) by September 11, 2015 (Fall 2015); January 29, 2016 (Spring 2016); and May 27, 2016 (Summer 2016) to receive clearance for the health insurance requirement and medical insurance verification fee. The verification fee is effective fall 2015.
Students who submit a waiver for the fall semester will automatically waive insurance for the spring semester (and summer term if taking classes) as long as the waiver shows coverage during those enrolled terms. For more information about HPU’s student health insurance waiver, please call the Dean of Students Office at (808) 544-1116.
If you wish to obtain a waiver, your medical insurance must meet the following requirements:
- Valid coverage dates for the entire term
- Coverage for outpatient care, hospitalization, emergency room, accidents, medical and surgery in Hawaii
- Comprehensive medical coverage of at least $100,000 USD coverage per accident or illness
- At least $25,000 USD coverage for repatriation (increased amount effective May 15, 2015)
- At least $50,000 USD to cover expenses associated with the medical evacuation to one's home country (increased amount effective May 15, 2015)
- A deductible not to exceed $500 USD per accident or illness
- At least 75% coverage for each accident or illness
- The health insurance plan inlcudes behavioral health coverage
- The health insurance plan is backed up by a provider that meets a set rating
The College of Nursing and Society require health insurance coverage for all nursing students in nursing course levels one through five and all nursing courses for MSN students. Each student will be required to provide proof of insurance coverage by health requirement deadline. Contact the college for details at (808) 236-3552.
Hawaii Loa Campus and Waterfront Lofts Residents
Residents are required to provide proof of personal medical health insurance throughout the duration of their housing contract. A resident’s health insurance must be valid in Hawai‘i. For details, please contact the staff directly at (808) 236-3540.
HPU student athletes are required to have health insurance that cover athletic injuries while in Hawaii and provides a minimum coverage of $90,000 USD per accident or illness. The Athletics department will not accept insurance plans that exclude athletic injury coverage and lacks out of network coverage. For details, contact the Head Athletic Trainer at (808) 544-9360.
Take some time to reserach various plans and compare benefits. It is important to purchase a plan that meets your health needs and if applicable, HPU's coverage requirements (as determined by your student status noted above). Before you start, understand your health insurance policy terminology:
- Premium = the amount you pay to purchase your insurance coverage
- Deductible = the amount you must pay before the insurance company starts to pay for your medical expenses
- Copayment/coinsurance = the amount/percentage that you must pay for services
FOR INTERNATIONAL STUDENTS ONLY: ISO Student Health Insurance Plan
International students may consider the ISO plans as their choice health insurance while at HPU. Both plans (Basic and Enhanced) meet HPU's International Student Health Insurance Waiver minimum coverage requirements. Read the benefit plan for coverage details. For more information, click here.
Note that if you have pre-existing conditions, it is covered after 6 months. In addition, these plans do not cover sports related injuries. If you require more benefits to address your health needs, consider one of the Kaiser Permanente Individual and Family plans in combination with the ISO student health insurance plan. Keep in mind that the Kaiser plans do not include medical evacuation or repatriation benefits.
HPU has partnered with Servco Pacific Insurance to assist students with enrolling in coverage. Russ Robertson or Haylee Faustin are available to help answer any questions related to ISO plans and enrollment. If you have any questions, you are encouraged to call them at 808.564.2573 or 808.564.2542, respectively.
Available Health Insurance Coverage via Kaiser Permanente Individual and Family (KPIF) Plans
The new KPIF plans have enhanced benefit features, and all include prescription drug coverage and gym memberships at participating fitness facilities for $75 per year. KPIF plan premiums are affordable and premiums are billed monthly, rather than by semester. Details about plans are available below; you may shop for coverage that fits your budget and meets your needs.
The KPIF plans are HMO plans that make it easy for HPU students to get their medical services. The Kaiser Plan is an HMO plan that makes it easy for HPU students to get their medical services at convenient Kaiser locations statewide--11 locations on Oahu, six on Maui, and four on the Big Island of Hawaii. Students can choose or change their Primary Care Physician (PCP) at any time and are welcome to make same-day appointments at any Kaiser Clinic. The Honolulu Clinic (1010 Pensacola Street) is conveniently located within 15 minutes of the HPU downtown campus. Access to the parking structure, as well as the building, is available on both King and Pensacola Streets. In addition, the clinic is situated directly along city bus routes both to and from the downtown campus. Bus directions from the HPU downtown campus: on Hotel Street (east-bound), take Bus #1 (all routes), #2, #13 to the Honolulu Clinic. Get off at King Street, just before Pensacola; the clinic is across the street. Call The Bus at (808) 848-5555 for schedule information. For more information, go to the online directory of Kaiser Permanente physicians and locations at www.kp.org/locations.
It is now the law that most U.S. citizens and those lawfully present must have health coverage. If you don't have coverage for three (3) months in a row or more, you may be charged a tax penalty. Learn more at www.healthcare.gov.
ATTENTION INTERNATIONAL STUDENTS: The KPIF plans do not include medical evacuation or repatriation benefits. As a reminder, international students are required to have this coverage; therefore, you must purchase ISO student plan or another plan to meet your minimum coverage requirement.
Enrollment or changes to elected coverage can only be made during an annual open enrollment period, or if you have a triggering event such as permanent relocation or the loss of coverage because another health plan ends. For 2016, open enrollment for Kaiser or other plans on the Health Insurance Marketplace runs from November 1, 2015 through January 31, 2016. Keep in mind that if you want coverage starting January 1, 2016, individuals need to complete their application and make their payment by December 15, 2015. If you want coverage starting February 1, 2016, you need to apply and pay by January 15, 2016. Coverage starting March 1, 2016 means your form and payment must be received by January 31, 2016. For more details, click here.
HPU has partnered with Servco Pacific Insurance to assist students with enrolling in coverage. Russ Robertson or Haylee Faustin are available to help answer any questions related to KPIF plans and enrollment. If you have any questions, you are encouraged to call them at 808.564.2573 or 808.564.2542, respectively. If you need further assistance, click here.
STEPS TO ENROLL:
1. Choose a plan
Two popular plans for students are KP Bronze Be Fit with a $50 office copayment or KP Gold III Be Fit with a $20 office copayment. Click here to learn more about these plans. Or, call 808.564.2573 to learn about even more options.
2. Complete your application
To purchase coverage and complete an application online through the Sign Me Up (SMU) tool, click here.
Please make sure you’ve completed everywhere indicated on the application. If you need a temporary Hawaii address, you may use the following address until January 29, 2016 (for those new to spring 2016):
- Hawaii Pacific University
- Attn: Student Life
- 1 Aloha Tower Drive
- Honolulu, HI 96813
Students are responsible for updating their address once they a Hawaii address. If your application is missing any information, signatures, documentation, or payment, this may delay your effective date or cancel your application. If you have any questions going through the online application, please call Haylee at 808.564.2542.
3. Select your payment method
Payment for your first month’s coverage by check, money order, debit card, or credit card is required with your application.
4. Submit the application with payment and all necessary documentation.
PAYING YOUR PREMIUM
Kaiser Permanente Individual and Family plan members pay monthly premiums. You may use our optional auot-pay service to pay your monthly premium and once you are enrolled, you may pay in advance for multiple months of coverage.
- Kaiser KPIF Plans
There are various plans to select from; below are two plans that are available for consideration. For details, click here. Attention: The 2016 rates are going up; more details coming soon.
2015 Kaiser Permanente Plans KP Gold III Be Fit 20 KP Bronze Be Fit 50
Monthly Premium for a 20-year old (single coverage)
$110.80 $84.14 Annual deductible $1,000 $5,000 Annual out-of-pocket maximum (including deductible, if applicable; subscriber
$6,350 $6,600 Outpatient Primary Care office Visit $20 per visit $50 per visit Specialist Office Visit $20 per visit $50 per visit Preventive Services & Immunizations No Charge No Charge Outpatient Surgery $300 after deductible 20% of all charges, after deductible Routine Lab Tests and X-Rays $30 $50 Imaging (MRI, CT, PET Scan) $250 per day, after deductible $20% after deductible Urgent Care 20% of charges outside Hawaii service area; office visit copays apply in Hawaii service area 20% of charges outside Hawaii service area; office visit copays apply in Hawaii service area Emergency Department Visits $250 after deductible (copay waived if admitted) 20% after deductible Inpatient Services Rendered While Hospitalized 20% after deductible 20% after deductible Outpatient Prescription Drugs Pharmacy (30-day supply)
$5 per generic maintenance prescription; $15 per other generic prescription; 50% of charges per brand and specialty prescription
$25 per generic maintenance prescription; $25 per other generic prescription; 50% of charges per brand and specialty prescription
Mail Order (90-day supply
$10 per generic maintenance prescription; $30 per other generic prescription; $90 per brand prescription; $90 per specialty prescription, after $250 deductible
$50 per generic maintenance prescription; $50 per other generic prescription; 50% of charges per brand and specialty prescription after $75 deductible
Additional Benefits Active & Fit (per calendar year) $75 for gym/$10 home $75 for gym/$10 for home