Important Changes for Academic Year 13-14

Please review the changes below carefully. Please contact the Insurance Office at 215 746 3535 option #3, or at shsinsur@pobox.upenn.edu with any questions.

PSIP and the Clinical Fee

The Clinical Fee is a mandatory fee charged to all full-time students each term. In previous years, the Clinical Fee was included within the cost of The Penn Student Insurance Plan (PSIP) and was reversed for students who enrolled in PSIP.  As of 13-14, the Clinical Fee will no longer be included in the PSIP premium. This means that students who enroll in PSIP will no longer see the Clinical Fee reversed, The 13-14 Clinical Fee will be $484 ($242 per term).
13-14 PSIP Rates

PSIP Plan Coverage Period
The PSIP plan for 13-14 will be 50 weeks long instead of 52, ending on July 31, 2014. This will allow us to transition to a new coverage period of August 1-July 31 in 14-15 and onward. The Clinical Fee and the SHS eligibility periods will match this schedule as well. This will bring the coverage period into better alignment with student academic year.

Coverage Period Transition:

  • 13-14: August 15, 2013-July 31, 2014 (50 weeks)

  • 14-15: August 1, 2014-July 31 2015 (52 weeks)

Student Dental Plan
For academic year 13-14 students may voluntary enroll themselves and their dependents in the Penn Faculty Practice Student Dental Plan. The Aetna PPO Dental plan will no longer be available. Please go to www.mypenndentist.org for details. Open Enrollment begins on July 1, 2013.   



PSIP Continuation for Graduating Students
Due to the opening of the Health Insurance Exchanges, PSIP Continuation will no longer be offered after fall 2013. (2013 May graduates will be able to enroll in one 4.5 month plan). There will be no 2014 continuation plan for December 2013 graduates.

Change to PSIP Benefit Coverage
Students enrolled in PSIP will now be covered at 90% except for office and emergency room visits which will remain 100% with copays. There is a $1500 maximum.

Covered at 90% (In network, after fulfilment of the deductible):

  • Inpatient Care (Room and Board and Professional)
  • Surgical Care (facility and professional)
  • Ambulance
  • Chemotherapy
  • Laboratory
  • Radiological
  • Inpatient Mental Health
  • Inpatient Substance abuse
  • Hospital outpatient department
  • Home Health
  • Hospice