On March 23, 2010, President Barack Obama signed into law the Affordable Care Act (ACA), a comprehensive and far-reaching program designed to ensure everyone has access to affordable health insurance. A key component of the ACA is the requirement that effective January 1, 2014, all United States Citizens must have an ACA-qualified health insurance plan.
The Milwaukee Institute of Art & Design has decided to participate in the Wisconsin Association of Independent Colleges and Universities Student Health Insurance Program (WSHIP). WSHIP provides students with many advantages – MIAD’s students are pooled with students from many other Wisconsin private non-profit colleges, allowing WSHIP to provide ACA-qualified insurance options with a broader network, more comprehensive coverage, and at a lower cost than most students will be able to obtain on their own; and with WSHIP, you avoid the daunting task of having to navigate the insurance exchange websites to determine the best plan for you.
WSHIP has three plans for you to choose from: Platinum, Gold, and Catastrophic— each designed to meet your unique budget and coverage needs. In addition, with all three options, you are able to receive services at the Marquette University student health center with no out-of-pocket cost – no deductible, no co-payment, no co-insurance – a benefit that is not available under any other plan. In addition students enrolled in any of the three plans are also eligible to enroll in the Delta Dental Insurance Plan. This is the first time we have been able to offer dental insurance to MIAD’s students. Click below to view all of the plans:
As a MIAD student you have three ACA health insurance choices:
1) You can be covered by your parents’ plan until age 26.
2) You may purchase an ACA-compatible individual health insurance plan on the insurance exchange or directly from a qualified health insurance company.
3) Enroll in WSHIP.
As an institution of higher learning, MIAD will follow the law and require you to have an ACA-qualified health insurance plan while you are enrolled here. If you are not covered by either your parents’ plan, or an individual plan, you will be automatically enrolled in the WSHIP, Catastrophic plan. If you have a chronic health condition requiring on-going treatment you may opt to buy up to either the Gold or Platinum Plan to receive enhanced coverage. When you register for Spring Semester classes you will be required to indicate whether you have alternative insurance or wish to be enrolled in one of the MIAD/WSHIP plans. Please review the plan information included with this message with your family before registration (March 28th) so you are able to make the choice that is right for you and your family.
Please know that MIAD and WSHIP stand ready to answer all your questions, and provide you with the information you will need to select the plan option that best meets your needs and budget. Click here to ask a question.
Dean of Students