Benefit Summary. Eligibility. Ohio Preferred Providers STUDENT HEALTH BENEFIT PLAN

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Benefit Summary. Eligibility. Ohio Preferred Providers 2015-2016 STUDENT HEALTH BENEFIT PLAN"

Transcription

1 STUDENT HEALTH BENEFIT PLAN Benefit Summary Plan issued & administered by: Student Educational Benefit Trust (hereinafter Trust ) Lake Road Avon Lake, OH Group Plan # Coverage / Claim Questions: For more information visit: Eligibility CampusFirst SM Domestic Plan - is a comprehensive plan for matriculated Domestic Students. It is the intent of this plan to offer coverage that meets or exceeds the Minimum Essential Coverage requirements as set forth by the Federal Department of Health and Human Services. Please note this plan will be assessed to your student account if you are a Domestic student taking 1 or more credit hours and your program requires coverage. Programs that require students to have coverage for the school year include the MD program, Colleges of Nursing, Pharmacy & Pharmaceutical Sciences, Health Sciences, and student-athletes. CampusFirst SM International Plan - is a comprehensive plan for matriculated International Students. It is the intent of the plan to offer coverage that meets or exceeds the J1-F1 Visa requirements, as set forth by the U.S. Department of State. Please note J1 international students will be automatically enrolled in Plan 1- Domestic Plan. These students only may opt out of plan 1 and purchase plan 2. CampusFirst SM Pre-Paid Main Campus, HSC Student Wellness Center and UTMC Plan (Supplemental Only) - is a supplemental plan that is intended for those students who have other coverage, but may want to pre-pay for primary care services at the Main Campus Medical Center or within UTMC. It also includes a modest out-patient and Rx benefit to help off-set the student s out-of-pocket costs under a high deductible plan or a plan with an insufficient network in the greater Toledo area. As this is a supplemental plan, please consult with your insurance agent or human resource representative to understand any implications that may result from electing this coverage in addition to your other insurance policy. Ohio Preferred Providers Student Educational Benefit Trust has arranged for you to access the Medical Mutual of Ohio SuperMed Plus network of local and state-wide providers. To confirm your physician or provider is part of the SuperMed Plus network you may call the Student Benefit Campus Liason at or visit The University of Toledo is pleased to offer the University-sponsored Student Health Benefit Plan (SHBP) administered by the Student Educational Benefit Trust. The Universitysponsored plan has no deductible and provides first dollar coverage. Many students find it is a better value and offers higher quality benefits than their parent, employersponsored, or individual health plan. We advise that you review your current health plan to determine if you could benefit by switching to the University-sponsored SHBP. This brochure does not constitute a promise of benefits on behalf of the University of Toledo, and is intended to provide an overview of the plan(s) benefits. A complete description of benefits, limitations, exclusions and special provisions is provided in the Plan Document which is posted on the University of Toledo student website. Although many of the program benefits meet or exceed requirements that would otherwise apply to group or individual plans, you may be eligible up to the age of twenty-six (26) for coverage under a group health plan through your parent s employer, or under an individual policy through an independent carrier or State Exchange. Contact the plan administrator for your parent s employer, an individual health insurance issuer or a State Exchange for more information.

2 Costs and Coverage Effective Dates Cost for student will be billed to your student account and can be waived with proof of comparable other health insurance. The student will need to pay all fees charged by the University prior to coverage becoming active. If Title IV funds are being used to pay the student fees the student must authorize the payment of allowable charges. Student s coverage is not active until the student account has been paid and students will be responsible for any claims incurred during the period. Costs for additional coverage, Dependents, Vision and Dental are the responsibility of the student and are only accessible through logging into your MyUT. From the MyUT, click on the enrollment button and you will be able to enroll and pay for the additional lines of coverage. How to Waive Coverage All Domestic Students attending the University of Toledo taking one (1) credit hour or more are required to carry a benefit plan that satisfies or exceeds the minimum essential benefit requirements under Health Care Reform. International J1 Visa Students are automatically enrolled in the Domestic Plan and do not need to complete an enrollment application. International J1 Visa Students may opt into the International Plan should they wish to take a lower cost benefit that still satisfies the health insurance requirements under J1 or F1 Visa. Domestic students whose programs require a student benefit plan are required to either enroll or waive-out of the Domestic Plan. Programs that require students to have coverage for the school year include the MD program, Colleges of Nursing, Pharmacy & Pharmaceutical Sciences, Health Sciences, and student-athletes. Domestic Students waiving out of the Domestic Plan may still purchase the Pre-Paid Student Health Center Plan, as optional coverage. It is understood that neither the International Plan or the Pre-Paid Student Health Center Plan meet the Individual Mandate for healthcare coverage and that the student would be responsible for any potential tax consequence. Only the Domestic Plan will satisfy the Individual Mandate, as well as the Minimum Essential Coverage requirements, as set forth by Health Care Reform. If you do have other insurance, it is important to contact your Human Resource Manager or Agent to understand how these optional benefit plans could impact your high deductible health plan or out-of-state HMO. Students whose programs require a student benefit plan who do not complete an online waiver, with the necessary proof of current insurance prior to the waiver deadline, will be enrolled in the Domestic Plan and the cost of the plan will be billed as part of their tuition.

3

4

5

6 Cigna Global Health Benefits Student Health Anytime, Anywhere and from Any Device. A personal health crisis can strike at any time, which is why the Student Educational Benefit Trust (SEBT) is collaborating with Cigna Global Health Benefits to offer customer service that stretches beyond borders, across the globe and around the clock. Cigna s Global Customer Service Centre is open 24/7 to provide services on demand, so our model is always there to help students with any situation that might arise. From multilingual assistance with verification of benefits, payment guarantees, physician and hospital referrals, to coordination with emergency medical assistance providers. In most cases, Cigna s Global Service Centre is a single point of contact for students traveling abroad. Most calls are handled entirely within the unit but, when coordination with other parties is necessary, the Service Centre manages the process to ensure that the call is properly transferred, introduced and briefed. Cigna Envoy at Your Service Cigna Envoy provides parents, healthcare professionals and globally mobile students with personalized information and access to a range of convenient online services and resources both during and prior to the departure. Your students will benefit from instant access to their benefit information, claims status and healthcare professional options anytime, anywhere and from any device. Introducing the NEW Cigna Envoy Mobile App At SEBT, we are dedicated to ensuring your globally mobile students have quick and easy access to their benefits and services anytime and anywhere they need them. That s why we collaborated with Cigna Global Health Benefits to offer the Cigna Envoy mobile app. The Envoy Mobile App gives your students a quick and easy way to access their health information on the go. Download today from Google Play or the Apple App Store SM Enrollment: Students covered under a SEBT primary plan are automatically enrolled into Cigna Global Health Benefit. To activate coverage prior to departure, contact SEBT via your dedicated toll-free number ( ) and push (7) at the telephone prompt menu to be transferred to Cigna s Global Service Centre. 24 /7 Phone Service Voluntary Dental and Vision Your University sponsored Student Health Benefit Plan offers a quick, integrated, inexpensive, round-the-clock solution to provide access to primary physician care when your Main Campus Medical Center or HSC Student Health and Wellness Clinic is not available to you or your dependents due to limited hours of operation, time of day, or the nature of your medical necessity. Access to this cross coverage services is available in all fifty states. Please note this service is available at no additional cost to you or your dependents for the actual consultation. The intent of this service is to provide an integrated cross coverage capability for your Main Campus or Health Science Campus Medical Center and is not intended to replace an urgent care or emergency room, but, when medically appropriate, is able to provide treatments for common illness such as colds, flu, upper respiratory and sinus infections, allergies, bronchitis, and urinary tract infections. If appropriate, the board certified physician may phone a prescription of a non-dea controlled or lifestyle modification substance into a local pharmacy. As this service is integrated into your Main Campus Medical Center, the on-campus medical professional will receive a copy of all consultations performed during the period of cross coverage. You may be contacted by the same on-campus medical professional to follow up with the appropriate course of treatment. The 24/7 Physician Service is available toll-free at: All Students and Dependents may purchase voluntary Delta Dental and Davis Vision plans at: Questions: Contact Tonya Tressler, Student Benefits Campus Liason at Enroll: Log in to MyUT Preferred Delta Dental Plan of Ohio Provider: Go to Delta Dental Plan of Ohio: Customer Service Davis Vision Plan of Ohio: Customer Service Go to Enroll today! You must log in to MyUT to enroll or waive coverages. Waiver Deadlines: Annual and Fall 09/30/2015 Spring/Summer 01/31/2016 Summer** 07/1/2016 **Summer (New or Transfer Students only)

2014 BENEFIT PLAN CHANGES Costco Employee Benefits Program

2014 BENEFIT PLAN CHANGES Costco Employee Benefits Program 2014 BENEFIT PLAN CHANGES Costco Benefits Program November 2013 2013 Summary of Material Modifications (SMM) to August 2011 Costco Benefits Program SPD The August 2011 Summary Plan Description (SPD) is

More information

Aetna Student Health SM Rochester Institute of Technology's choice for student health insurance

Aetna Student Health SM Rochester Institute of Technology's choice for student health insurance Aetna Student Health SM Rochester Institute of Technology's choice for student health insurance www.aetnastudenthealth.com 15.02.382.1 (5/13) 9365 RIT RIT is is concerned about the the health, safety and

More information

Rhode Island School of Design Student Health Insurance Plan

Rhode Island School of Design Student Health Insurance Plan Rhode Island School of Design Student Health Insurance Plan Frequently Asked Questions: 2014-2015 Academic Year Table of Contents Who is Required to Have Health Insurance Coverage While Attending RISD?...

More information

Johnson & Wales University Student Health Insurance Plan

Johnson & Wales University Student Health Insurance Plan Johnson & Wales University Student Health Insurance Plan Frequently Asked Questions: 2013-2014 Academic Year March 25, 2013 Table of Contents Who is Required to Have Health Insurance Coverage While Attending

More information

Frequently Asked Questions For Ivy Tech Community College of Indiana 2013-2014 International Student Health Insurance Plan

Frequently Asked Questions For Ivy Tech Community College of Indiana 2013-2014 International Student Health Insurance Plan Frequently Asked Questions For Ivy Tech Community College of Indiana 2013-2014 International Student Health Insurance Plan Table of Contents Important Contact Information... 2 I have questions about what

More information

SHORT-TERM ABROAD Health care benefits for your mission workers

SHORT-TERM ABROAD Health care benefits for your mission workers SHORT-TERM ABROAD Health care benefits for your mission workers 112331 2/15 Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates. 1 OUR MISSION:

More information

Johnson & Wales University Student Health Insurance Plan

Johnson & Wales University Student Health Insurance Plan Johnson & Wales University Student Health Insurance Plan Frequently Asked Questions: 2015-2016 Academic Year May 2015 Table of Contents Who is Required to Have Health Insurance Coverage While Attending

More information

Welcome to the Student Health & Wellness Services (SH&WS)

Welcome to the Student Health & Wellness Services (SH&WS) Student Health Insurance Plan Information 2014 2015 Welcome to the Student Health & Wellness Services (SH&WS) Cleveland State University offers health care to all students of the University community.

More information

Summary of Benefits. When Benefits Start

Summary of Benefits. When Benefits Start Summary of Benefits Eligibility All full time employees are eligible for all of Westminster College benefits. You are considered full time if you are Faculty with a full time contract or Staff and work

More information

Frequently Asked Questions For Florida International University College of Medicine Students 2014 2015 Student Health Insurance Plan

Frequently Asked Questions For Florida International University College of Medicine Students 2014 2015 Student Health Insurance Plan Frequently Asked Questions For Florida International University College of Medicine Students 2014 2015 Student Health Insurance Plan Table of Contents How do I... 2 Insurance Plan Benefits... 3 What changes

More information

Frequently Asked Questions Brooklyn Law School 2012-13 Student Health Insurance Plan

Frequently Asked Questions Brooklyn Law School 2012-13 Student Health Insurance Plan Frequently Asked Questions Brooklyn Law School 2012-13 Student Health Insurance Plan Table of Contents Important Contact Information... 2 How do I learn more about what is covered, access to benefits,

More information

Frequently Asked Questions For Middlesex Community College Students 2013-2014 Student Health Insurance Plan

Frequently Asked Questions For Middlesex Community College Students 2013-2014 Student Health Insurance Plan Frequently Asked Questions For Middlesex Community College Students 2013-2014 Student Health Insurance Plan Table of Contents Important Contact Information... 2 I have questions about what is covered,

More information

Open Enrollment. and Summary of Material Modifications. prepared for

Open Enrollment. and Summary of Material Modifications. prepared for 2016 Open Enrollment and Summary of Material Modifications prepared for Medical/Vision, Dental, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program 2016 Open Enrollment and Summary

More information

Berklee Student Health Insurance FAQs

Berklee Student Health Insurance FAQs Berklee Student Health Insurance FAQs For specific information on your coverage under Berklee s student health insurance plan (Blue Cross Blue Shield Student Blue Plan), go to gallagherkoster.com. Select

More information

MIT Student Health Plan

MIT Student Health Plan photo: Christopher Harting photo: Stuart Darsch MIT Student Health Plan 2 0 1 2-2 0 1 3 2 3 3 4-5 6 7 8 8 Top 5 things you need to know Rates What MIT Medical offers Your medical benefits How do I enroll

More information

GRADUATE COUNCIL. February 23, 2016 UPDATE ON STUDENT HEALTH INSURANCE

GRADUATE COUNCIL. February 23, 2016 UPDATE ON STUDENT HEALTH INSURANCE GRADUATE COUNCIL February 23, 2016 UPDATE ON STUDENT HEALTH INSURANCE Comparison of 2 existing plans University (for student only) Plan 1 Plan 2 UT Annual $3,659.00 $3,181.00 Fall $1,485.00 $1,291.00 Spring/Summer

More information

Finding a provider... 5 Can I go to any doctor or hospital?... 5

Finding a provider... 5 Can I go to any doctor or hospital?... 5 Frequently Asked Questions For Vanderbilt University Graduate/Professional Students 2011-2012 Student Injury and Sickness Insurance Plan Table of Contents Important Numbers and Contact Information... 2

More information

ARCHDIOCESE OF ST. LOUIS. Employee Benefit Plan 2015 2016. Employee Benefits Guide

ARCHDIOCESE OF ST. LOUIS. Employee Benefit Plan 2015 2016. Employee Benefits Guide ARCHDIOCESE OF ST. LOUIS Employee Benefit Plan 2015 2016 Employee Benefits Guide Office of Human Resources Cardinal Rigali Center 20 Archbishop May Drive St. Louis, MO 63119-5004 314.792.7546 314.792.7548

More information

Frequently Asked Questions: Student Health Insurance Plan. Domestic Insurance Requirements

Frequently Asked Questions: Student Health Insurance Plan. Domestic Insurance Requirements Frequently Asked Questions: Student Health Insurance Plan Updated August 1, 2015 With the approval of the University s Board of Trustees, Stetson University College of Law requires students other than

More information

2015-2016 MIT Student Health Plan

2015-2016 MIT Student Health Plan 2015-2016 MIT Student Health Plan - Top five things you need to know - Insurance plan rates - Your medical benefits - How do I enroll or waive coverage? - Commonly used terms - Useful contact information

More information

2015 Benefit Open Enrollment

2015 Benefit Open Enrollment 2015 Benefit Open Enrollment Opens: 8:30 a.m. Friday October 31, 2014 Closes: 5:00 p.m. Thursday, November 13, 2014 2015 Benefit Open Enrollment Guide 1 The guide is divided into six parts to help you

More information

A Student Health Insurance Plan Customized for You! Deadline sensitive. Brought to you by Tulane University and Aetna Student Health 2011-2012

A Student Health Insurance Plan Customized for You! Deadline sensitive. Brought to you by Tulane University and Aetna Student Health 2011-2012 A Student Health Insurance Plan Customized for You! Deadline sensitive Brought to you by Tulane University and Aetna Student Health 2011-2012 15.03.376.1 A Dear Student: The University requires that all

More information

2014-2015 Student Health Insurance Plan

2014-2015 Student Health Insurance Plan 2014-2015 Student Health Insurance Plan School of Visual Arts Insurance Requirement SVA requires that all registered, matriculated students have Health Insurance that will provide adequate coverage throughout

More information

OFF TO A FRESH START. ENROLLMENT GUIDE.

OFF TO A FRESH START. ENROLLMENT GUIDE. Let RHA help find the right individual health insurance policy for you. Visit www.rhaexchange.com/dte or call toll-free 1-844-866-8257, Monday through Friday, 9 a.m. 7 p.m. (ET). OFF TO A FRESH START.

More information

How to Complete Newly Eligible Enrollment in ADP 2016-2017

How to Complete Newly Eligible Enrollment in ADP 2016-2017 1. Go to https://portal.adp.com Click on User Sign In. 4. Click on the Benefit Enrollment System link. 2. Enter your User Name and Password. 5. At the Welcome page, read the information, then click Continue.

More information

BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU

BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU zz BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU MESSAGE FROM THE PRESIDENT/CEO NABIL EL SANADI, MD, MBA, FACEP, FACHE LET S INVEST, HEALTH IS YOUR FIRST WEALTH! We are excited to

More information

STUDENT HEALTH INSURANCE FREQUENTLY ASKED QUESTIONS WASHINGTON SQUARE

STUDENT HEALTH INSURANCE FREQUENTLY ASKED QUESTIONS WASHINGTON SQUARE STUDENT HEALTH INSURANCE FREQUENTLY ASKED QUESTIONS WASHINGTON SQUARE ENROLLING IN THE STUDENT HEALTH INSURANCE PLANS 1. How do I enroll in the Student Health Insurance Plans? Most students will be automatically

More information

407-767-8554 Fax 407-767-9121

407-767-8554 Fax 407-767-9121 Florida Consumers Notice of Rights Health Insurance, F.S.C.A.I, F.S.C.A.I., FL 32832, FL 32703 Introduction The Office of the Insurance Consumer Advocate has created this guide to inform consumers of some

More information

UC IRVINE 2014-2015 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS

UC IRVINE 2014-2015 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS UC IRVINE 2014-2015 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS I. WELLNESS What is the importance of having health insurance as a student? Medical costs can be overwhelming and are rising

More information

2015 2016 Student Health Insurance Plan for SUNY Downstate Medical Center

2015 2016 Student Health Insurance Plan for SUNY Downstate Medical Center 2015 2016 Student Health Insurance Plan for SUNY Downstate Medical Center Who is eligible to enroll? All medical students, part-time students engaged in clinical course work, full-time undergraduate student

More information

2015 2016 Student Health Insurance Plan for Weill Cornell Medical College

2015 2016 Student Health Insurance Plan for Weill Cornell Medical College 2015 2016 Student Health Insurance Plan for Weill Cornell Medical College Who is eligible to enroll? All students are enrolled in the plan on a hard waiver basis. Eligible students may also insure their

More information

Blue Student Health SM. Bryn Mawr College. International Program

Blue Student Health SM. Bryn Mawr College. International Program Blue Student Health SM Bryn Mawr College International Program Why choose Blue Student Health? National and international coverage 24/7 nurse helpline Care coordination with your student health center

More information

2015-2016. New England Conservatory. Student Health PPO Plan. Policy Number: SP100104. Underwritten by Tufts Insurance Company.

2015-2016. New England Conservatory. Student Health PPO Plan. Policy Number: SP100104. Underwritten by Tufts Insurance Company. New England Conservatory Student Health PPO Plan Underwritten by Tufts Insurance Company. Policy Number: SP100104 2015-2016 Form Number: 100104-1-1R3 New England Conservatory Health and Counseling Services

More information

2014-15 EMPLOYEE BENEFITS GUIDE

2014-15 EMPLOYEE BENEFITS GUIDE 2014-15 EMPLOYEE BENEFITS GUIDE ELIGIBILITY All People 2.0 employees are eligible to enroll in The American Worker program within 30 days of your first pay check. People 2.0 offers a variety of affordable

More information

Student Guide to Waiving Caltech Insurance

Student Guide to Waiving Caltech Insurance Student Guide to Waiving Caltech Insurance What s Inside Waiver requirements How to compare your other insurance plan to the Caltech plan Tips for students who waive 1 Waiver Requirements To waive the

More information

Aetna Student Health SM Asbury Theological Seminary's choice for student health insurance

Aetna Student Health SM Asbury Theological Seminary's choice for student health insurance Aetna Student Health SM Asbury Theological Seminary's choice for student health insurance www.aetnastudenthealth.com 15.02.382.1 (5/13) 5001 Dear Current and Prospective Students, Welcome! Whether you

More information

UC IRVINE 2014-2015 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS

UC IRVINE 2014-2015 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS UC IRVINE 2014-2015 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS I. WELLNESS What is the importance of having health insurance as a student? Medical costs can be overwhelming and are rising

More information

A Guide to Understanding Your Health Plan Choice

A Guide to Understanding Your Health Plan Choice A Guide to Understanding Your Health Plan Choice Northeastern University Student Health Plan Comprehensive Coverage, Exceptional Providers To develop a quality health care program, our goals were clear:

More information

A DOCTOR IS ALWAYS. Access to affordable, quality, non-urgent care when you need it 24/7/365

A DOCTOR IS ALWAYS. Access to affordable, quality, non-urgent care when you need it 24/7/365 A DOCTOR IS ALWAYS Access to affordable, quality, non-urgent care when you need it 24/7/365 Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company. A doctor is

More information

ROSE MANAGEMENT GROUP

ROSE MANAGEMENT GROUP ROSE MANAGEMENT GROUP Employee Benefit Summary 7/01/2014 6/31/2015 Dear Employee, Rose Management Group is pleased to provide you and your family with a comprehensive, market competitive benefits package

More information

Benefit Highlights for UNC Greensboro students

Benefit Highlights for UNC Greensboro students bcbsnc.com/uncg Benefit Highlights for UNC Greensboro students Effective 08/01/2016 StdGrp, 4/16 U9096a, 5/16 Table of Contents This brochure is a general summary of the insurance plan offered by Blue

More information

Introducing OneExchange.

Introducing OneExchange. RETIREE BENEFITS Introducing OneExchange. OneExchange provides you with plan advice and enrollment assistance to choose Medicare supplemental healthcare and prescription drug coverage that s right for

More information

Insure your health; protect your education

Insure your health; protect your education Health Insurance for Stanford Students Information and Requirements Insure your health; protect your education Cardinal Care Stanford University s Student Health Insurance 2011 2012 Academic Year Stanford

More information

Important Health Care Information for US Employees. Preparing to Begin an International Assignment

Important Health Care Information for US Employees. Preparing to Begin an International Assignment Important Health Care Information for US Employees Preparing to Begin an International Assignment CIGNA Global Health Benefits Enrollment Medical, dental and vision coverage is provided through CIGNA Global.

More information

UC IRVINE 2015-2016 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS

UC IRVINE 2015-2016 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS UC IRVINE 2015-2016 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS I. WELLNESS What is the importance of having health insurance as a student? Medical costs can be overwhelming and are rising

More information

Employee Benefits Open Enrollment 2014

Employee Benefits Open Enrollment 2014 Employee Benefits Open Enrollment 2014 Enroll November 10 to November 21 www.navientbenefits.com The Enrollment Process This year we are conducting a PASSIVE enrollment which means that eligible employees

More information

HEALTH CARE CHOICES FOR ELIGIBLE RETIREES

HEALTH CARE CHOICES FOR ELIGIBLE RETIREES HEALTH CARE CHOICES FOR ELIGIBLE RETIREES Effective 2013 table of contents > Page 2 3 Retiree Medical Plan Overview 3 Plan Highlights and Eligibility 5 Non-Medicare Eligible Retiree Component 6 Aetna PPO

More information

Optima Health Individual & Family Plans

Optima Health Individual & Family Plans Optima Health Individual & Family Plans Optima Health is a Qualified Health Plan in the Health Insurance Marketplace. Wellness and Preventive Programs Staying healthy can help you save money, and Optima

More information

University of Southern California USC. USC Senior Care. A Supplemental Plan to Medicare

University of Southern California USC. USC Senior Care. A Supplemental Plan to Medicare Senior Care A Supplemental Plan to Medicare What is Senior Care and Who is Eligible? A sponsored supplemental plan to Medicare for former employees of the University of Southern California, their spouses,

More information

GENERAL INFORMATION. With Express Scripts, you have access to:

GENERAL INFORMATION. With Express Scripts, you have access to: CONTENTS GENERAL INFORMATION... 1 PREFERRED DRUG LIST....2 PHARMACIES... 3 PRESCRIPTIONS... 4 GENERIC AND PREFERRED DRUGS... 5 EXPRESS SCRIPTS WEBSITE AND MOBILE APP... 5 SPECIALTY MEDICATIONS... 6 PRIOR

More information

Northeastern University 2015 Medical Benefits

Northeastern University 2015 Medical Benefits Northeastern University 2015 Medical Benefits Northeastern s 2015 Open Enrollment Effective Date: January 1, 2015 2015 Medical Plan Options Blue Choice New England Core POS Plan New Plan Blue Choice New

More information

A Guide to Understanding Your Health Plan Choice

A Guide to Understanding Your Health Plan Choice A Guide to Understanding Your Health Plan Choice Northeastern University Student Health Plan Comprehensive Coverage, Exceptional Providers To develop a quality health care program, our goals were clear:

More information

Annual Enrollment FAQs

Annual Enrollment FAQs Annual Enrollment FAQs The following are frequently asked questions and answers regarding the 2014/2015 annual enrollment. EXPAT General Q. When is annual enrollment? A. Annual enrollment begins February

More information

2015-2016 MIT affiliate Health Plan

2015-2016 MIT affiliate Health Plan 2015-2016 MIT affiliate Health Plan - Top five things you need to know - Insurance plan rates - Your medical benefits - How to enroll - Commonly used terms - Useful contact information The top five things

More information

Your Questions Answered

Your Questions Answered Your Questions Answered 1. GENERAL 1.1 What is happening to my retiree medical and prescription drug benefits for Medicare-eligible participants as of January 1, 2015? Effective December 31, 2014, CIGNA

More information

www.tamuinsurance.com

www.tamuinsurance.com Health Insurance Designed for the Graduate Students employed by the THE TEXAS A&M UNIVERSITY SYSTEM 2011-2012 Underwritten By: Companion Life Insurance Company (A+) Administered by: Associated Insurance

More information

2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES

2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES 2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES Health Insurance, Rx, and Vision We offer two choices for medical insurance. All plans include prescription drug and vision benefits. Dependent children

More information

Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Frequently Asked Questions High Deductible Health Plan (HDHP) with Health Savings Account (HSA) There are two components to the High Deductible Health Plan (HDHP) with HSA Medical Plan the HDHP Health

More information

STUDENT HEALTH INSURANCE FREQUENTLY ASKED QUESTIONS

STUDENT HEALTH INSURANCE FREQUENTLY ASKED QUESTIONS STUDENT HEALTH INSURANCE FREQUENTLY ASKED QUESTIONS ENROLLING IN THE STUDENT HEALTH INSURANCE PLANS 1. How do I enroll in the Student Health Insurance Plans? Most students will be enrolled automatically

More information

MyBenefits Enrollment Resource for New Employees

MyBenefits Enrollment Resource for New Employees MyBenefits Enrollment Resource for New Employees Welcome to the University of Notre Dame! This guide will help you navigate MyBenefits, the University s online benefits enrollment application. All benefit-eligible

More information

Student Health Insurance Plan

Student Health Insurance Plan Student Health Insurance Plan Domestic Student Health Insurance Student Health Insurance is Required in order to enroll in Classes! Aetna is the insurance company that offers coverage for SUNY Stony Brook

More information

Reed College Student Health Insurance Plan Frequently Asked Questions 2012-2013

Reed College Student Health Insurance Plan Frequently Asked Questions 2012-2013 Reed College Student Health Insurance Plan Frequently Asked Questions 2012-2013 1. What is the last day of coverage for Spring Semester 2012? (2011-2012 Plan Year) The last day of coverage is August 14,

More information

How can I reach you when I need help?

How can I reach you when I need help? M-NCPPC Why choose CIGNA? 2 How can I reach you when I need help? Call us anytime day or night live, 24/7 customer service Find information when you need it at mycigna.com We speak many languages For

More information

Welcome MHBP Value Plan Members

Welcome MHBP Value Plan Members Welcome MHBP Value Plan Members Welcome to the Mail Handlers Benefit Plan. We are delighted that you chose to enroll in our newest health plan option. We are proud of our long heritage in serving federal

More information

CIGNA Global Health Benefits (CGHB) Making A World of Difference to the Expatriates and Families of Carnegie Mellon University Policy #02424A

CIGNA Global Health Benefits (CGHB) Making A World of Difference to the Expatriates and Families of Carnegie Mellon University Policy #02424A CIGNA Global Health Benefits (CGHB) Making A World of Difference to the Expatriates and Families of Carnegie Mellon University Policy #02424A Benefits Provided to Your Employees and Their Families Medical

More information

HEALTH CARE DENTAL CARE

HEALTH CARE DENTAL CARE UNIVERSITY OF DAYTON MEDICARE SUPPLEMENT PLAN OPEN ENROLLMENT HEALTH CARE DENTAL CARE 2016 Office of Human Resources 300 College Park Dayton, OH 45469-1614 Phone 937-229-2541 Fax 937-229-2009 O65 1 Health

More information

Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS. MK777-A-R08/10/15þ

Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS. MK777-A-R08/10/15þ Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS MK777-A-R08/10/15þ Rocky Mountain Range Rocky Mountain Health Plans is Colorado-based and Colorado-focused. We were founded in Grand Junction more than

More information

Your 2015 Health Care Selection Guide Survivor Benefit Applicants

Your 2015 Health Care Selection Guide Survivor Benefit Applicants Your 2015 Health Care Selection Guide Survivor Benefit Applicants 1-888-227-7877 www.strsoh.org Section 1: Welcome This mailing includes the following materials designed to assist you in selecting your

More information

Duke University Health System Benefits Overview: Non-Exempt 2015

Duke University Health System Benefits Overview: Non-Exempt 2015 Duke University Health System Benefits Overview: Non-Exempt 2015 We are pleased to provide you with information about your benefits at Duke. Our organization is rich in heritage and is proud of its work.

More information

Understanding Insurance and Our Billing Process

Understanding Insurance and Our Billing Process Understanding Insurance and Our Billing Process Thank you for choosing Cleveland Clinic for your healthcare needs. We appreciate the confidence you have placed in us. This brochure has been prepared to

More information

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document

More information

Flexible Spending Accounts: October 2015

Flexible Spending Accounts: October 2015 Flexible Spending Accounts: October 2015 Contents Ford s Flexible Spending Accounts What is a Flexible Spending Account (FSA)? How much can I contribute to an FSA? How can I keep track of my account balance?

More information

SUMMARY OF EMPLOYEE BENEFITS

SUMMARY OF EMPLOYEE BENEFITS SUMMARY OF EMPLOYEE BENEFITS The City of Gaithersburg offers a competitive and comprehensive employee benefit package to eligible employees. This summary of benefits highlights general information about

More information

Open Enrollment 2015 November 12 November 26

Open Enrollment 2015 November 12 November 26 Open Enrollment 2015 November 12 November 26 November 4 & 6, 2014 1 Brief Review of Affordable Care Act (ACA) What You Need to Know What you Need to do by November 26 What s New or Changing in 2015 Do

More information

Benefits Summary. For Regular Employees 20 or more hours per week.

Benefits Summary. For Regular Employees 20 or more hours per week. 2013 Benefits Summary Argonne National Laboratory is a U.S. Department of Energy laboratory managed by UChicago Argonne, LLC For Regular Employees 20 or more hours per week. TABLE OF CONTENTS Benefit Eligibility

More information

Health and Dental Insurance Questions/Answers for Retirees

Health and Dental Insurance Questions/Answers for Retirees Health and Dental Insurance Questions/Answers for Retirees What happens with my health insurance if I continue to work full-time beyond age 65? As an active full-time employee working beyond the age of

More information

2016 Annual Enrollment Guide for Intel Retirees

2016 Annual Enrollment Guide for Intel Retirees 2016 ANNUAL ENROLLMENT GUIDE FOR RETIREES 1 2016 Annual Enrollment Guide for Intel Retirees Intel s Annual Enrollment is October 26 through December 15, 2015* Choose benefits to power your best life. Enroll

More information

Health Care Subscriber Education Tools. BlueCross BlueShield of IL

Health Care Subscriber Education Tools. BlueCross BlueShield of IL Health Care Subscriber Education Tools BlueCross BlueShield of IL Health Care Subscriber Education Tools BlueCross BlueShield of Illinois Register for Blue Access for Members (BAM) at www.bcbsil.com REGISTRATION

More information

HEALTHSPAN MEDICARE HEALTH PLAN

HEALTHSPAN MEDICARE HEALTH PLAN This is an advertisement. HealthSpan Medicare Advantage for Federal Members (HMO) YOUR GUIDE TO CHOOSING A HEALTHSPAN MEDICARE HEALTH PLAN INCREASE YOUR COVERAGE without increasing your FEHB premium. MAKE

More information

Capital BlueCross offers a variety of health care choices. Pick the one that s right for you!

Capital BlueCross offers a variety of health care choices. Pick the one that s right for you! Traditional Our traditional product features comprehensive benefits and complete freedom to choose your physician, specialist or hospital. You minimize your out-of-pocket costs by receiving covered services

More information

NJ State Health Benefits Program 2015 Open Enrollment LOCAL GOVERNMENT Employers

NJ State Health Benefits Program 2015 Open Enrollment LOCAL GOVERNMENT Employers NJ State Health Benefits Program 2015 Open Enrollment LOCAL GOVERNMENT Employers Presented by Roseann Whypp Pensions Benefits Specialist www.state.nj.us/treasury/pensions 2015 Open Enrollment Overview

More information

A different kind of health insurance.

A different kind of health insurance. A different kind of health insurance. For individuals, families, and small businesses. We were built for you. CHM_SMM01_1013 A different kind of partner for the new world of health insurance. The Affordable

More information

Emeriti Retirement Health Plan 2016 Post-65 Medical & Rx Comparison Chart

Emeriti Retirement Health Plan 2016 Post-65 Medical & Rx Comparison Chart For more information, please call the Emeriti Service Center at 1-866-EMERITI (1-866-363-7484) 2016POST65NATPCC Emeriti Retirement Health Plan 2016 Post-65 Medical & Rx Comparison Chart Group Insurance

More information

Health Reimbursement Arrangement (HRA).

Health Reimbursement Arrangement (HRA). Retiree benefits 1 Retiree benefits Health Reimbursement Arrangement (HRA). Benefits for Union Pacific s Medicare-eligible retirees and their Medicare- eligible spouses and/or dependents. 2 Union pacific

More information

Ohio Health Plans. Maximizing best practices & leading reform efforts. Search. Ohio Association of Health Plans

Ohio Health Plans. Maximizing best practices & leading reform efforts. Search. Ohio Association of Health Plans Ohio Association of Health Plans File Edit View History Bookmarks Tools Window Help http://www.oahp.com Ohio Health Plans Search Maximizing best practices & leading reform efforts HELPING OHIOANS GET NEEDED

More information

User Guide. COBRA Employer Manual

User Guide. COBRA Employer Manual Experience Excellence COBRA Manual User Guide COBRA Employer Manual COBRA Responsibilities and Deadlines Under COBRA, specific notices must be provided to covered employees and their families explaining

More information

Copayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service.

Copayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service. Basic Terms How to calculate Out of Pocket Costs on a Hospital Stay: If you have a $2000 deductible and 30% coinsurance health insurance plan. If you have a $10,000 emergency room or hospital stay your

More information

Healthcare Exchanges / Marketplaces Frequently Asked Questions For Students & Campus Administrators

Healthcare Exchanges / Marketplaces Frequently Asked Questions For Students & Campus Administrators Healthcare Exchanges / Marketplaces Frequently Asked Questions For Students & Campus Administrators This FAQ is intended to provide our clients and customers with information about Healthcare Exchanges,

More information

Penn State Flexible Spending Account (FSA) Benefits

Penn State Flexible Spending Account (FSA) Benefits Penn State Flexible Spending Account (FSA) Benefits Eligibility and Enrollment Deadlines All regular, full-time faculty and staff members of the University are eligible to participate in the following

More information

Duke University Health System Benefits Overview: Exempt 2015

Duke University Health System Benefits Overview: Exempt 2015 Duke University Health System Benefits Overview: Exempt 2015 We are pleased to provide you with information about your benefits at Duke. Our organization is rich in heritage and is proud of its work. While

More information

IS HERE OPEN ENROLLMENT EMPLOYEE BENEFITS TIME TO MAKE YOUR BENEFIT CHOICES. BAYADA Home Health Care Employee Benefits

IS HERE OPEN ENROLLMENT EMPLOYEE BENEFITS TIME TO MAKE YOUR BENEFIT CHOICES. BAYADA Home Health Care Employee Benefits 2015 OPEN ENROLLMENT IS HERE EMPLOYEE BENEFITS TIME TO MAKE YOUR BENEFIT CHOICES BAYADA Home Health Care values the contributions of our employees. In appreciation of your dedicated service, BAYADA Home

More information

RETIREE BENEFITS Health Reimbursement Arrangement (HRA).

RETIREE BENEFITS Health Reimbursement Arrangement (HRA). RETIREE BENEFITS 1 RETIREE BENEFITS Health Reimbursement Arrangement (HRA). Benefits for Union Pacific s Medicare-eligible retirees and their Medicare- eligible spouses and/or dependents. 2 UNION PACIFIC

More information

2014-2015 QUICK GUIDE TO CIGNA ID CARDS. 591795 r 06/14 THN-2014-256

2014-2015 QUICK GUIDE TO CIGNA ID CARDS. 591795 r 06/14 THN-2014-256 20-20 QUICK GUIDE TO CIGNA ID CARDS 99 r 06/ THN-20-26 WE PACK A LOT OF IMPORTANT INFORMATION ON OUR ID CARDS. This brochure can help define and clarify information that appears on s most common customer

More information

Telemedicine Frequently Asked Questions (FAQs) For Highmark Delaware Members

Telemedicine Frequently Asked Questions (FAQs) For Highmark Delaware Members Table of Contents Telemedicine Frequently Asked Questions (FAQs) For Highmark Delaware Members Overview and Eligibility.....Pages 1-3 Member Out-of-Pocket Costs......Pages 3-4 Amwell and Doctor on Demand

More information

health insurance Starting at $62.50 per month

health insurance Starting at $62.50 per month health insurance Starting at $62.50 per month Exclusive student health plan for: Academic Year 2012 2013 Student Blue benefit plan information outlined within this booklet is subject to approval from the

More information

Medical Mutual of Ohio 2060 East 9th Street Cleveland, OH 44115-2263 Visit MedMutual.com

Medical Mutual of Ohio 2060 East 9th Street Cleveland, OH 44115-2263 Visit MedMutual.com Z6188 R7/08 Medical Mutual of Ohio 2060 East 9th Street Cleveland, OH 44115-2263 Visit MedMutual.com P R O D U C T S A N D S E R V I C E S Small-Group Health Insurance 1 Welcome to Medical Mutual Medical

More information

BENEFITS OUTLINE. An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY

BENEFITS OUTLINE. An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY BENEFITS OUTLINE An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY HEALTH CARE Health Care The RF Health Care plan features

More information

University of Maryland, College Park Graduate Assistant Benefits Orientation

University of Maryland, College Park Graduate Assistant Benefits Orientation University of Maryland, College Park Graduate Assistant Benefits Orientation Topics to Be Covered Eligibility Enrollment Procedures State Sponsored Benefits Please Feel Free to Ask Questions at Anytime

More information

Benefits Quick Reference Guide GRADUATE STUDENT EMPLOYEES

Benefits Quick Reference Guide GRADUATE STUDENT EMPLOYEES 2016 Benefits Quick Reference Guide GRADUATE STUDENT EMPLOYEES About This Quick Reference Guide This Benefits Quick Reference Guide provides you an at-a-glance view of your comprehensive benefits package,

More information

Basic Benefits Skilled Nursing Facility Coinsurance Part A Deductible

Basic Benefits Skilled Nursing Facility Coinsurance Part A Deductible MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 STANDARDIZED BENEFIT PLAN A AND SELECT BENEFIT PLANS B, C, D, E, F AND G These charts show the benefits included

More information