Bradley University has made a continuing commitment to provide students with options on various types of Insurance.
Health and wellness are key components to making your academic and personal experience at college both meaningful and successful. To avoid the potential hardship of medical expenses that may arise, we recommend that students maintain comprehensive health insurance coverage during your years at Bradley.
Though Bradley does not offer a formal student health insurance program, you should be aware of options that you have for health insurance coverage while attending Bradley University.
- Coverage under a parent’s employer insurance plan: For those under age 26, you may qualify to enroll as a dependent on the health insurance held by a parent. Please contact the employer for further details.
- Individual coverage through your state insurance marketplace: Coverage is available for individual enrollment through the insurance marketplace in the state in which you are a permanent resident. Visit http://healthcare.gov and complete the questionnaire to view plans that you may qualify for. Depending on your household income, you may also qualify for a subsidy for coverage purchased through your state marketplace.
- Individual health insurance plans available on the open market (outside of the official state marketplace)
As you consider your options, please keep in mind the following:
- PREMIUM: While many plans offer “cheaper” premiums, look at the deductibles, copays, and coinsurance as lower premiums frequently result in higher out-of-pocket costs and limited networks. Before making your decision, consider your entire potential out-of-pocket cost to determine the best value for your individual needs.
- NETWORK: Does the network for the Plan extend to the Peoria IL region? Are the doctors you already see considered in-network? If you are an out-of-state student, pay special attention to networks that offer limited HMO networks as these will likely not cover you in Illinois.
- DEDUCTIBLE (the amount you must pay before insurance coverage begins): Is this an amount you are prepared to pay before coverage can be accessed?
- COINSURANCE (the amount insurance pays after the deductible is met): Be aware of this coverage as you are responsible for the amount after coinsurance is applied. So if your plan has 70% coinsurance, you would be responsible for the remaining 30%.
- COPAYS: What is your copay for a doctor’s office visit? Specialist visit? ER Visit? Prescription Drugs?
For those international students who do not have insurance through a U.S.-based insurance carrier, there are two options:
For those international students who do not have insurance through a U.S.-based insurance carrier, the Gallagher Student International Students & Scholars Plan (ISS) is available on a voluntary basis. You may be covered under this plan if you are a non-United States citizen with a current passport or visa traveling outside your home country to the United States to engage in full time international educational activities. Please note that International Students are NOT automatically enrolled in this Plan as they have been in previous years.
Plan Highlights Include:
- After a $100 per injury or sickness deductible, the first $5,000 Covered Expenses paid at 80%; thereafter, 100% of Covered Expenses to the $250,000 Aggregate Maximum;
- Freedom in Choice of Providers - Services can be received from any doctor, specialist or hospital;
- Accidental Death & Dismemberment Coverage;
- Worldwide Assistance Services - Offers 24-hour emergency travel assistance services including Medical Evacuation and Repatriation of Remains;
- Dependent Coverage - Spouse and/or children (under the age of 25)
- Monthly Payment Option - Enroll for a minimum of one month or for multiple months. If you choose to enroll on a monthly basis, it is your responsibility to make timely renewal payments as reminder notices are not sent.
Please refer to the Plan brochure under 'Benefits & Plan Information' for complete details of coverage, exclusions & limitations.
The enrollment process for the ISS Plans is entirely online and will begin June 1, 2014. Students wishing to learn more or enroll should visit www.gallagherstudent.com/ISS. Payment can be made by credit card or e-check through Gallagher Student’s website.
(Your choice, after arrival in the U.S.) Obtain health insurance on your own after arriving at Bradley but before registering for classes. You will still need to present proof of your insurance coverage to the Graduate School. Students from India might consider the policy offered by ISOA.org (Compass Gold) among others.
The coverage must include “major medical” and should be for no less than one year, renewable.