Stanford Health Insurance is designed to provide students, staff, and faculty with comprehensive, affordable medical coverage tailored to campus life. This coordinated plan emphasizes preventive care, urgent services, and seamless access to the Stanford Healthcare network.
Below is a structured overview of the core features, costs, and support available under the Stanford University health insurance framework.
| Plan Name | Monthly Premium | In-Network Deductible | Maximum Out-of-Pocket |
|---|---|---|---|
| Student Plan | $120–$180 | $1,500 | $6,000 |
| Faculty & Staff Plan | $350–$500 | $1,000 | $5,000 |
| Dependents Coverage | +$200–$400 | $2,000 | $12,000 family |
| Telehealth Visits | Covered | $0 copay | Included |
On-Campus Care and Network Access
Stanford Health Insurance emphasizes access to on-campus facilities, including the Stanford Health Care primary clinic and specialty services. Members can schedule appointments with in-network providers, reducing out-of-pocket costs and streamlining referrals.
Key Network Benefits
- Priority scheduling at Stanford Health Care locations
- Broad specialist network without additional referrals
- Integrated pharmacy and lab services across campus
International Student Coverage
International students are automatically enrolled in the Student Plan unless they provide proof of equivalent coverage. The plan includes emergency evacuation and repatriation benefits, ensuring consistent care during study abroad periods.
Preventive and Wellness Services
Coverage for vaccinations, screenings, and routine visits helps maintain health before conditions escalate. Members can schedule wellness checkups at no additional cost when using in-network providers.
Wellness Add-Ons
- Mental health counseling with campus partners
- Nutrition and fitness program discounts
- Smoking cessation and chronic disease management
Costs and Financial Assistance
Premiums, deductibles, and copays vary by affiliation and coverage level. Income-based assistance programs may lower monthly costs for eligible students and staff.
| Household Size | Estimated Monthly Premium | Income-Based Subsidy Eligible | Application Process |
|---|---|---|---|
| Single Student | $140 | Yes, under low-income guidelines | Submit FAFSA or equivalent |
| Student with Dependents | $350 | Yes, with documentation | Provide household proof |
| Faculty Household | $400 | Limited waiver options | Contact HR for review |
Managing Your Coverage Long-Term
Regular review of benefits, network changes, and life events helps you maintain optimal health protection throughout your academic or professional journey at Stanford.
- Confirm provider networks before traveling or relocating
- Track preventive appointment dates to avoid missed coverage
- Update contact and tax information annually
- Review Explanation of Benefits for any billing discrepancies
- Use campus resources for applications and claims support
FAQ
Reader questions
How do I add dependents to my Stanford health insurance plan?
Log in to the Stanford HR portal, select the dependent coverage section, and upload required documents such as birth certificates or marriage records within the annual open enrollment window.
What should I do if I need urgent care outside the network?
Contact the Student Health Insurance Plan administrator to request prior authorization for out-of-network urgent care, then keep all receipts for possible reimbursement.
Are mental health services covered under the plan?
Yes, counseling and psychiatric services are covered with a modest copay after meeting the annual deductible, and teletherapy sessions are included at no cost. International scholars may waive the plan only if they provide comparable coverage within 30 days of orientation and receive approval from the designated office.