Are You Covered?
When you enroll in classes, you provide your insurance information on the Insurance Questionnaire. If you did not complete the insurance questionnaire during enrollment, or if you need to make changes, please visit the Cashier's Office on the 2nd floor.
If you don’t complete the questionnaire, you will be enrolled in the Student Health Plan automatically.
I Have Health Insurance
If you have insurance through an employer or family member, you must submit your insurance provider and policy ID number. If your insurance is sufficient, the cashier will post a health plan waiver within the first few weeks of the semester.
Have a Private Health Plan?
I Don't Have Health Insurance
Answer "Yes" to the Questionnaire. You will not be enrolled in classes until you have paid the full insurance premium. Payments need to be made by the tuition deadline.
Student Health Plan
I Want Insurance but I'm a Part-Time Student
You can enroll in the Student Health Plan. Please download the Extended Coverage Request form and return it to the Cashier's Office on the 2nd floor (cashier@ensign.edu).
Extended Coverage Request
Basic Health Insurance Terms
Coinsurance
The percentage you pay after meeting your deductible. If your coinsurance is 20%, you pay 20% and insurance pays 80%.
Copay/Copayment
A small, fixed amount you pay each time you get care. Example: You pay $20 up front when you see the doctor.
Deductible
The amount you pay each year before insurance helps with bills. If your deductible is $1,000, you pay the full cost of your bills until you reach that amount. Then insurance starts paying its share.
Explanation of Benefits (EOB)
A document your insurance sends you after a medical visit. It shows what was covered and what you might need to pay. This is not a bill.
Formulary
A list of medications your insurance plan will pay for. Often organized into tiers — cheaper drugs are in lower tiers.
Health Insurance ID Card
Like a membership card. Show this at the doctor’s office or pharmacy so they know how to bill your insurance.
In-Network Providers
Doctors, clinics, or hospitals that work with your insurance company. You pay less when you go to these providers.
Out-of-Network Providers
Doctors or clinics not connected to your insurance company. You usually pay more or all costs if you go to them.
Out-of-Pocket Maximum
The most you’ll pay in one year for covered care (includes your deductible, copays, and coinsurance). After this, the insurance pays 100%.
Preauthorization
Some services (like surgeries or expensive tests) need insurance approval before you get them. This is to make sure it’s necessary and covered.
Premium
What you pay every month to have health insurance. Think of it like a membership fee.
