STUDENT HEALTH INSURANCE

Transcription

1 STUDENT HEALTH INSURANCE

2 Health Insurance A few things you and your student should know before needing to use it 2

3 Informed Decisions OSU Student Health Insurance conducted a survey of parents to learn more about parents knowledge of the health insurance requirement and options available at OSU. While 98% of parents surveyed had input into their student s health insurance decision, 58% did not take time to compare cost, benefits or geographical network features

4 18-25 year old age group: Engage in more risk filled activities. Utilize the emergency department more often. Have higher rates of psychological distress and anxiety. Have a lower perception of these risks, leading to being uninsured or under insured, which can cause barriers to getting the care they need. Source: The New Adolescents: An Analysis of Health Conditions, Behaviors, Risks, and Access to Services Among Emerging Young Adults.: Lawrence S. Neinstien, MD

5 1. Understand Requirement and Options Having health insurance coverage is required as a condition of enrollment at Ohio State for students enrolled at least half-time and in a degree program of study. Students are assessed the fee for Comprehensive Student Health Insurance Plan when they enroll in eligible classes OSU Comprehensive Plan Parent/Family Plan/other WilceCare Supplement 5

6 OSU Comprehensive Student Health Insurance Plan Includes medical, dental, and vision benefits in one low-cost plan. Fee can be included in financial aid package and TOPP (tuition option payment plan). Benefits designed based on feedback from students and their families. $100 in-network deductible, 10% in-network coinsurance. Most services from the Wilce Student Health Center are paid in full. Convenient enrollment; provides year-round, world-wide coverage. A plan to review especially if your student has out of state coverage. 6

7 Parents Coverage Students can remain on most parents plans until age 26. Before assuming this is the best option, compare out of pocket costs, premiums, benefits and network restrictions. Watch for increased employer costs for covering dependents. Review your policy carefully at the beginning of each academic year and during your employer s open enrollment period. 7

8 WilceCare IS Convenient, prepaid coverage for illness and injury care received exclusively at the Wilce Student Health Center. ($2,000 medical / $500 prescription benefit maximums per year.) $225 for the plan year regardless of the term in which it is purchased. An exceptional value to supplement health insurance plans that only provide regional coverage or have high deductibles and copays. 8

9 WilceCare Supplement is NOT A major medical plan or considered health insurance. There is no coordination of benefits with the student s existing annual health insurance. Coverage for dental, vision, or preventive services, specialty tests, or health care services from any other location except the Wilce Student Health Center. Refundable 9

10 2. Decide and Follow Up Annual Selection Process Buckeyelink ( Student Center) Deadline to Select/Waive coverage: August 18th 10

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12 Student Health Ins ur ance - Select/Waive Welcome to the Student Health Insurance Inf ormation Center. Each y ea r, all students must d e,si'gn a t e th e ir ch oice o f i n s u r a n ce co:verage. If you do n ot make a sel'ecti:on by th e publ'iis h ed deadl'i n e, your s e le cti.o n willl be defaul>t ed to th e O SU Comp r e h e n s ive Student H eal'th In s ur a n ce P l'a n. You r el'i:gi1biliity t o p a rt i.cip a t e i n th e O Slll Student H e a lth Insuran ce P la n w ih b e determin ed by th e numb e r of cr edi't h o u r s a n d typ es o.f courses th a t you e nrohiin e a ch t e rm a nd may ch a ng e as you add or drop' classes. :( h e ck your un ive rs rty A.cco unt S ta t eme nt fr eq u e nhy t o co nfirm your i'n s u r a n c e st a tu s. ( P lease see th e Student H e alth Insuran ce website, ww\v.s h i. o s u.ed u, rf you n e e d addi t ion al inf orm a t ion abo ut Student H eal th In s u r a n ce bene.fit.s o r el'igibifrty, e n r.olllment dead l'i n e s, o r th e h eallth -i n s u r a n ce as- a - cond i t ion -o f e nr olllme nt r eq u i r ement.) P'lease choose a n in su r a nce o pt io n b e low OS U Co m p re h e ns iv e St u d e nt Hea lt hins u ra n ce W ilc e C a re S u p p le m en t Student Health Insurance Links OSU Stu de nt Hea l th I n s u ra n ce W ilc e C a re Pl a n W a i e r ( No O SU s t u d e nt cov e ra g e ) Pl ease s elect t he Acade m ic Te rm * Academ ic Te r ms: I n s u r a n ce Pe riod : 10

13 - '\\ ah er Information AcadernKTenns: AU1 4, S P l S, S U1:S Insurance Period: A u g ust 2 0, t o A u gus t 1 8, 2 0 1!5 In order to WANE OUT of tfl e OSU C o rehen ive Student Healh ln urance Plan, all studer't must lete tfli waiver proce s by the published deadline each year. Fa lure to de so r e uls in automatic enrollment in the OSU Comprehensive Student Hea h Insurance Plan (as s ummg eliifbility). Insurance Company Information Please use the magnifying glass to sefect tfle name of your not f ound, type the name in the box. insuran c;e company. If Insur< nc:; Addr C:otnpilny City: State: Postal Code: " 'Insurance Company Telephone Number: P o l icy Ho lder's Information * Policy Holder's Lilst Nilme: * Policy Holder's First: Name Policyholder/Subscriber ID Number: Policy/Croup Number: Policy Holder's Telephone Nurr ber: * R e q uired F ie lds N o t e : P olic y H o ld e r is tlh e p r irna ry pers on t h at t he p o l c yis u n d e r, s.u c h as p a re n t. s p o u s e, or s tud e n t. g o to... Rl!!!turn T o Studl!!!nt: C<!!nter c BACK f EXT>

14 Review the coverage with your student. Do I have health insurance? Where is my insurance card? Who is the insurance company? Who is the policy holder? What is my deductible? What is my co-pay? Does my co-pay vary based on the type of provider or service? How will I pay my deductible or co-pay? How do I find a provider? 14

15 Health Insurance ID Cards Your student needs their own health insurance card. If necessary, request a duplicate, or at least make a copy of the front and back of yours. Some plans have options to print extra copies online or it is available on a smart phone app. Remind your student to carry it with them and present it every time they receive services. Review the information on the insurance card. Especially websites, smart phone apps, and phone numbers to call for assistance. Understand the differences between plans. Is there a separate card for dental, vision, prescription, or travel benefits? 15

16 Student Health Services at the Wilce Student Health Center shs.osu.edu Mon-Thur: 8-6, Fri: 8-5, Sat: 9-1 Tax ID:

17 Counseling and Consultation Service at the Younkin Success Center ccs.osu.edu Phone: Mon-Thur: 8-8, Fri:

18 Other campus locations for primary care: OSU Internal Medicine at Morehouse 2050 Kenny Rd. OSU Integrative Medicine Clinic 2000 Kenny Rd. OSU Rardin Family Practice 2231North High St. Web search for provider network: Campus Zip Code

19 What if your student is sick and the Wilce Student Health Center is closed? Where should they go? 19

20 Is it Urgent or an Emergency? URGENT Not life-threatening, but may cause medical problems if not promptly treated. Examples: injuries sustained fever sudden pain EMERGENCY Call 911 or go to the emergency room for life-threatening situations or when urgent care facilities are closed. 20

21 If it is not an emergency, try an Urgent Care or Convenient Care AfterHoursCare Martha Morehouse Medical Plaza Martha Morehouse Medical Plaza 2nd Floor, Suite OPAC Kenny Road CVS Minute Clinic 2160 North High Street Columbus, Ohio

22 * CVS

23 Paperwork and $$$... The insurance information often goes to the policy holder. but the bill is your student s responsibility. Promptly pay co-pay, co-insurance, and deductible amounts. Keep track of claims information on-line. Keep local address up-to-date on the Student Center. Read Ohio State regularly! 23

24 4. Make sure your student knows it s okay to ASK FOR HELP! Call home Resident Advisor Nurse Line Advice Nurse at Wilce Student Health Center 24

25 Thank you for attending our session! Please contact us if you or your student have any questions or need more information. OSU Student Health Insurance 1100 Lincoln Tower 1800 Cannon Drive Phone: Web: shi.osu.edu 25

26 D + + What s Yours? 26