ASU Health Insurance: Your Ultimate Guide

As a student, one of the most important things you need to consider is your health insurance. Accidents and illnesses can happen anytime, and you want to make sure you are covered. Arizona State University (ASU) offers health insurance options to its students, but which one is right for you? In this article, we will take a deep dive into the ASU health insurance plans, their benefits, and how to choose the right one for your needs.

Overview of ASU Health Insurance

ASU offers two types of health insurance plans to its students: the Aetna Student Health Insurance Plan and the ASU Health Services Plan.

Plan	Provider	Coverage
Aetna Student Health Insurance Plan	Aetna	Nationwide coverage
ASU Health Services Plan	ASU Health Services	Coverage on ASU campuses only

Both plans offer comprehensive coverage, including doctor visits, hospital stays, prescription drugs, mental health services, and more. However, there are some differences in cost, coverage, and eligibility that you should be aware of before making your decision.

Aetna Student Health Insurance Plan

The Aetna Student Health Insurance Plan is a nationwide plan that provides coverage both on and off-campus. It is available to all ASU students, including international students, and is designed to meet the needs of students who may not have access to other health insurance options.

The plan includes a range of benefits, including:

• Primary care visits
• Specialist visits
• Inpatient hospital stays
• Outpatient services
• Emergency care
• Pregnancy and newborn care
• Mental health services
• Prescription drugs

The cost of the Aetna Student Health Insurance Plan is $2,097 per semester for the 2021-2022 academic year. This cost is automatically added to your tuition bill unless you waive coverage by providing proof of alternative health insurance.

International students may be required to enroll in the Aetna plan depending on their visa requirements. If you have any questions about eligibility, contact the ASU Health Services Insurance office.

ASU Health Services Plan

The ASU Health Services Plan is a local plan that provides coverage only on ASU campuses. It is available to all ASU students, but may be more cost-effective for students who live on campus or near an ASU health clinic.

The plan includes a range of benefits, including:

• Primary care visits
• Specialist visits at ASU Health Services clinics
• Inpatient hospital stays at ASU Health Services hospitals
• Outpatient services at ASU Health Services clinics
• Emergency care
• Pregnancy and newborn care
• Mental health services at ASU Counseling Services
• Prescription drugs at ASU Health Services pharmacies

The cost of the ASU Health Services Plan is $1,067 per semester for the 2021-2022 academic year. This cost is automatically added to your tuition bill unless you waive coverage by providing proof of alternative health insurance.

How to Choose the Right Plan for You

When choosing between the Aetna Student Health Insurance Plan and the ASU Health Services Plan, there are several factors to consider:

Cost

The cost of each plan is a major consideration. The Aetna plan is more expensive than the ASU Health Services Plan, but it provides nationwide coverage. If you travel frequently or need to see a specialist who is not located on an ASU campus, the Aetna plan may be the better option for you. However, if you primarily receive health care on an ASU campus, the ASU Health Services Plan may be more cost-effective.

Location

The location of your health care providers is another important consideration. If you live on campus or near an ASU health clinic, the ASU Health Services Plan may be more convenient for you. However, if you frequently travel or live off-campus, the Aetna plan may provide more flexibility.

Health Needs

Your individual health needs should also be taken into account. If you have a pre-existing condition or require frequent medical care, the Aetna plan may be a better option due to its comprehensive coverage. However, if your health care needs are primarily met on an ASU campus, the ASU Health Services Plan may meet your needs.

Eligibility

Finally, eligibility should be considered. International students may be required to enroll in the Aetna plan, and students who have alternative health insurance may be able to waive coverage for either plan. Make sure to check your eligibility and requirements before making your decision.

FAQ

What is ASU Health Insurance?

ASU Health Insurance refers to the two health insurance plans offered to ASU students: the Aetna Student Health Insurance Plan and the ASU Health Services Plan.

What does ASU Health Insurance cover?

Both health insurance plans offered by ASU provide comprehensive coverage, including doctor visits, hospital stays, prescription drugs, mental health services, and more.

How much does ASU Health Insurance cost?

The cost of ASU Health Insurance depends on which plan you choose. The Aetna Student Health Insurance Plan costs $2,097 per semester for the 2021-2022 academic year, while the ASU Health Services Plan costs $1,067 per semester for the same academic year.

Can I waive ASU Health Insurance?

Yes, you can waive ASU Health Insurance. However, you must provide proof of alternative health insurance to do so.

Do I have to enroll in ASU Health Insurance?

Enrollment in ASU Health Insurance is not mandatory, but all students are automatically enrolled in the plan unless they provide proof of alternative health insurance.

What should I consider when choosing between the Aetna Student Health Insurance Plan and the ASU Health Services Plan?

Cost, location, health needs, and eligibility are all important factors to consider when choosing between the two ASU health insurance plans.

Conclusion

Choosing the right health insurance plan is an important decision that can have a major impact on your health and finances. By understanding the benefits and differences between the Aetna Student Health Insurance Plan and the ASU Health Services Plan, you can make an informed decision that meets your needs and fits your budget. If you have any questions or concerns about ASU health insurance, contact the ASU Health Services Insurance office for more information.