Health Insurance Orientation Student Health and Counseling Services

Size: px
Start display at page:

Download "2014 2015 Health Insurance Orientation Student Health and Counseling Services"

Transcription

1 Health Insurance Orientation Student Health and Counseling Services

2 Presenters: Karla Abrantes Coordinator, Student Health & Counseling Immunization Student Health Insurance Plan Fred B. Hollick, Jr. Vice President of National Sales & Marketing Student Resources United Healthcare Slide 2 of 36

3 Services offered by Student Health and Counseling 1. Licensed therapists and a part-time psychiatrist who provide short-term psychotherapy for a variety of mental health issues. 2. A registered nurse is available for health education and suggestions for additional health resources (e.g. locating medical services off campus, understanding the different types of health care professionals, questions on illnesses, women s health, men s health, sexual health, etc.). 3. General assistance with the student injury and sickness insurance plan. Appointments are necessary for all visits. Students can call or visit the office to make an appointment. Slide 3 of 36

4 Services offered by Student Health and Counseling IMPORTANT: Services provided by our office are free and confidential. Students can take advantage of our services whether they are enrolled in the SVA student insurance plan, or maintain insurance coverage on their own. Medical services are NOT available on-site: Students needing medical attention should seek assistance from a doctor or hospital. Students do not need to visit the office for referrals before visiting a doctor or hospital. For emergencies, please dial 911 and contact Security. Slide 4 of 36

5 SVA-Sponsored Health Insurance Students are automatically enrolled in the UnitedHealthcare StudentResources Injury and Sickness Insurance Plan Dental or Vision coverage not available except for pediatric dental and vision (students 18 yrs & younger). Please see Brochure for details at, $1,035 per semester; Deductible $100; Physician Visit Copay $10 Fall Coverage - August 25, 2014 until January 7, 2015 Spring Coverage - January 8, 2015 until August 24, 2015 Please review the Insurance Tab on sva.edu/health for important general information about the insurance plan. Refer to the United Healthcare Getting Started and the Summary PDF s at for more information. Slide 5 of 36

6 Waiving the Health Insurance Fee Students are automatically enrolled in the student insurance plan each semester. However, students who already have comparable health insurance coverage coming into SVA, can waive the per semester Health Insurance Fee of $1,035, and be removed from enrollment. An online waiver form must be completed by the deadline, October 2, 2014, and can be accessed at > The waiver form must be completed each year, by each fall semester. It can also be completed in the spring should a student miss the fall deadline. > Bookmark for updates each semester. Slide 6 of 36

7 Waiver Form Deadlines The Fall Waiver Form deadline is October 2, > Completing the waiver form will remove you from the Insurance Plan and remove the Health Insurance Fee for both Fall 14 and Spring 15 semesters. The Spring Waiver Form deadline is February 12, > Should you miss the fall waiver deadline, or now have your own insurance coverage for the spring, you can complete the spring waiver form by this date. Slide 7 of 36

8 Getting Started with UnitedHealthcare StudentResources Slide 8 of 36 August 2014: First insurance sent to students SVA account. Subject: IMPORTANT You re Enrollment in United Healthcare Fall 2014: Reminder that you re enrolled in the UnitedHealthcare StudentResources administered plan. Contains information on creating an online account, printing out your insurance ID card, reviewing the benefits, and finding local doctors. Reminder to complete online waiver form by the deadline. If you did not receive this , please visit us at and click on the United Healthcare Getting Started pdf.

9 Going Off Campus for Health Care Since SVA does not provide medical services on campus, you must visit a doctor off-campus. You have several choices: Private Doctors and/or Specialists treat non-emergency patients by appointment during regular office hours, typically 9:00AM until 5:00PM. Some of these doctors may have weekend hours, but can vary. Minor Emergency Clinics or Urgent Care do not require appointments and are usually open on weekends and holidays. You can simply walk in for medical services. (For example, City MD, NY Doctors Urgent Care, Beth Israel, etc. These locations can be found online at sva.edu/health under the Downloads section.) Hospital Emergency Rooms provide serious emergency care. Go to the nearest, hospital by ambulance if necessary. Hospital emergency rooms are designed to treat life-threatening ailments. This is typically the most expensive place to receive care. If you need to use a medical facility but are uncomfortable with your English skills, ask a friend who speaks English to go with you. Proper communication is very important! Slide 9 of 36

10 Find a Doctor Slide 10 of 36

11 for Plan Information Slide 11 of 36

12 School of Visual Arts Student Injury and Sickness Insurance Plan Slide 12 of 36 StudentResources

13 Points to Consider Prior to Waiving The SVA Student Injury & Sickness Insurance Plan includes coverage for preventive care services, has a low up-front deductible, and a prescription medication plan. If your current coverage is through an HMO or PPO, local services in New York City may be limited or may be charged to you at a higher, non-preferred rate. Your current insurance plan may only cover urgent or emergency care outside of their network. Your current plan may not include coverage worldwide. The SVA Student Plan provides worldwide coverage and includes Medical Evacuation and Repatriation. Slide 13 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

14 Rates Annual 8/25/14 8/24/15 2 nd Semi-Annual 1/8/15 8/24/15 Student $2,070 $1,035 This plan is underwritten by UnitedHealthcare Insurance Company of New York and is based on Policy # For a full description of coverage, including costs, benefits, exclusions, any reductions or limitations and terms under which the policy may be continued in force, log on to Slide 14 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

15 Plan/Benefit Highlights Unlimited Maximum Per Insured Person, Per Policy Year for Covered Medical Expenses. $100 Deductible Per Insured Person, Per Policy Year. What s a deductible? A deductible is the amount of money you must pay towards covered medical expenses before the insurance company pays. Slide 15 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

16 Plan/Benefit Highlights Covered Medical Expenses for Preferred Providers are payable at 90% of Preferred Allowance and Out-of-Network benefits are payable at 60% of Usual and Customary charges (all benefits are subject to satisfaction of the deductible, specific benefit limitations, maximums, and copays as described in the policy). Slide 16 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

17 Plan/Benefit Highlights Benefits Preferred Providers Out-of-Network Hospitalization 90% 60% Surgery 90% 60% Outpatient Services 90% 60% Emergency Room 90% 90% Physician s Office Visit $10 copay, 100% $10 deductible, 70% Preventive Care and Immunizations Dental Injury (to sound, natural teeth only) 100%, no cost sharing No Coverage $10 copay, 100% $10 deductible, 100% Slide 17 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

18 Plan/Benefit Highlights Benefits Preferred Providers Out-of-Network Inpatient Mental Health 90% 60% Outpatient Mental Health $10 copay, 100% $10 deductible, 70% Inpatient Substance Abuse Outpatient Substance Abuse 90% 60% $10 copay, 100% $10 deductible, 70% Ambulance Expense 100% 100% Slide 18 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

19 Plan/Benefit Highlights Prescription Drug Benefits: $10 copay for Tier 1; $20 copay for Tier 2; up to a 31-day supply per prescription. Prescriptions must be filled at a UnitedHealthcare Pharmacy. Mail order at 2.5 times the retail copay, up to a 90-day supply. Slide 19 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

20 Plan/Benefit Highlights The Preferred Provider Network for this plan is UnitedHealthcare Options PPO. Preferred Providers can be found using the following link: Region Providers Hospitals Central 221,305 2,133 Northeast 198, Southeast 136,104 1,243 West 139, Leased 43, Total 738,720 5,600 Slide 20 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

21 Plan/Benefit Highlights FrontierMEDEX: Global Emergency Services Domestic students are covered when they re 100 miles or more away from their campus or home address. International students are covered worldwide except in their home country. Slide 21 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

22 Plan/Benefit Highlights UnitedHealth Allies Included with every policy, the UnitedHealth Allies discount program typically saves members 5 50% on many health and wellness products and services. Members save on dental and vision care, fitness club memberships, weight management programs, smoking cessation, massage therapy, and much more. The UnitedHealth Allies Discount Program is administered by HealthAllies, Inc., a discount medical plan organization. This discount program is not a qualified health plan under the Affordable Care Act. UnitedHealth Allies discount plan is NOT insurance. Slide 22 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

23 Plan/Benefit Highlights Collegiate Assistance Program (CAP) Nurseline Services Experienced registered nurses can help with nearly any health or medical concern, 24/7. Call Toll-Free: Telephonic/Online Counseling Students facing stressful or emotional issues have 24/7 access to prompt counseling services. Innovative Web-based Services Our website for students, offers a wealth of information on a full range of topics. Slide 23 of 36 Legal and Financial Services Non-clinical issues such as mounting credit card debt, divorce, child custody matters, and shelter from abusive relationships. Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

24 Plan/Benefit Highlights My Account With My Account, available through or insured students can securely: Review plan coverage details online Print an ID card and/or request a replacement ID card Check claim status and review EOB (Explanation of Benefits) Find a Preferred Provider Update personal information Contact UHCSR with a question/comment Access helpful resources and forms Slide 24 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

25 Plan/Benefit Highlights Create your secure My Account page: From click on Login to My Account, then Create Your Online Account. Type in your first name, last name, date of birth (as shown) and for your SVA account. Click CONTINUE Slide 25 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

26 Plan/Benefit Highlights UHCSR Mobile App With the free UHCSR Mobile App, available at GooglePlay and Apple s AppStore, you ll have access to the most popular self-service features like: Viewing and sharing your ID card. You can even or fax it to your provider. Viewing claims received within the prior 60 days. Searching for a Preferred Provider. Accessing your custom My Account page. Slide 26 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

27 Plan/Benefit Highlights Understanding your ID Card Member ID# This is the Member Identification number your provider will need to confirm your benefits. Group Name This is the Group Identifier your provider will need to confirm your benefits. Plan Name This is the plan name you need to provide to physicians or when online. Slide 27 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

28 Plan/Benefit Highlights Health Insurance 101 Located at Health Insurance 101 defines and clarifies the often confusing world of health insurance and its jargon from an overview of health care to a glossary of common terms available in English, French, Spanish, Chinese, Korean, and Arabic. Slide 28 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

29 Plan/Benefit Highlights Submitting a Medical Claim Providers will typically file claims on your behalf. You don t need a company claim form to file a claim. If you receive services from a provider who would like payment upfront, simply send (within 90 days of sickness or injury) all medical and hospital bills, along with the patient s name, address, social security number, or school ID number to this address. If you prefer to fax your claim, the number is Send claims to: UnitedHealthcare StudentResources PO Box Dallas, TX Slide 29 of 36 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

30 Plan/Benefit Highlights Submitting a Prescription Claim Visit and click on Helpful Resources and Forms. Under FORMS, Click on the Prescription Reimbursement Request Form. Keep all receipts and send with request form. Make note of the different claim address Send claims to: OptumRx Claims Department, P.O. Box 29044, Hot Springs AR 71903

31 Getting Started with UnitedHealthcare StudentResources Review United Healthcare Getting Started PDF Take time to review the information on including the Brochure Create an Online Account (through your secure My Account page) by going to Familiarize yourself with the benefits and discount programs Familiarize yourself with how to find health care providers (doctors), Medical & Mental Health Print out your insurance ID card immediately and carry it with you at ALL TIMES OR Download the UHCSR app to your iphone or Android phone Use your account to review benefits statements AND add to your SVA contacts to receive important s from United Healthcare Slide 31 of 36

32 Quiz Time How do you obtain your Insurance ID card? Can you see a doctor who is out of the network? Where can you find information on insurance benefits and/or creating an online account? Where can you find the UnitedHealthcare pdf s containing information on getting started with the student insurance? What are some ways you can locate a doctor? If you re feeling sick, what are some of the steps you should take? What type of services can SH&CS offer students? Slide 32 of 36

33 Quiz Time What is your co-pay cost? Do you need to contact SH&CS first before going to the doctor or hospital? How will you be able to receive your insurance statements and view the information concerning your account? When should you carry your Insurance ID Card? What account should you be checking for notifications from Student Health Services and United Healthcare? Slide 33 of 36

34 Questions? UnitedHealthcare StudentResources Phone: Student Health & Counseling Services Phone: Fall Hours: Monday Friday, 9:00AM 5:00PM Slide 34 of 36

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

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 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

Undergraduate Student Health Insurance Plan (USHIP) Benefits 2015-2016

Undergraduate Student Health Insurance Plan (USHIP) Benefits 2015-2016 Undergraduate Student Health Insurance Plan (USHIP) Benefits 2015-2016 For your insurance ID card or additional information on this plan, visit: www.4studenthealth.com/uci How USHIP Works For UC Irvine

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

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

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

2015 2016 Student Health Insurance Plan for Fashion Institute of Technology (International Students)

2015 2016 Student Health Insurance Plan for Fashion Institute of Technology (International Students) 2015 2016 Student Health Insurance Plan for Fashion Institute of Technology (International Students) Who is eligible to enroll? All International full-time Undergraduate and Graduate Students are automatically

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

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

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

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

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 2014 2015 Academic Year Stanford

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 Student Health Insurance Plan for New York University School of Medicine

2015 2016 Student Health Insurance Plan for New York University School of Medicine 2015 2016 Student Health Insurance Plan for New York University School of Medicine Who is eligible to enroll? All graduate students taking 1 credit hour or more and all postdoctoral students who are not

More information

GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS. Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org

GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS. Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org GROUP MEDICARE PLANS GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS 2016 Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org Coverage You Know and Trust If you ve worked with Health Alliance

More information

Plan Design & Benefits Summary: Cornell University Student Health Insurance Plan (SHIP) Policy Year: 2014 2015 Policy Number: 867890

Plan Design & Benefits Summary: Cornell University Student Health Insurance Plan (SHIP) Policy Year: 2014 2015 Policy Number: 867890 Plan Design & Benefits Summary: Cornell University Student Health Insurance Plan (SHIP) Policy Year: 2014 2015 Policy Number: 867890 Table of Contents Summary of the Cornell University Student Health Insurance

More information

Here for you. Here for your health.

Here for you. Here for your health. Here for you. Here for your health. A guide to your plan Contact information This guide to your plan can help you make the most of your health care and Assurant Health s Customer Care Center can do the

More information

The International Student & NIU Student Health Insurance

The International Student & NIU Student Health Insurance The International Student & NIU Student Health Insurance 2010 2011 Student Health Insurance Coverage offered through International Students are required to maintain health insurance coverage throughout

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

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

Virginia. A guide for individuals and families. The health insurance benefits you want, at a cost you can afford

Virginia. A guide for individuals and families. The health insurance benefits you want, at a cost you can afford Virginia A guide for individuals and families CoventryOne is an individual product (for individuals and families) offered by Coventry Health Care, an Aetna company. The health insurance benefits you want,

More information

You re one step closer to simple health care.

You re one step closer to simple health care. welcometouhc.com You re one step closer to simple health care. SIMPLE - A GUIDE TO YOUR 2016 UNITEDHEALTHCARE BENEFITS Health care can be hard. We re here to help you through it. You can count on us to

More information

International Student Health Insurance Plan Overview. Presented by Renaissance Insurance Agency, Inc

International Student Health Insurance Plan Overview. Presented by Renaissance Insurance Agency, Inc International Student Health Insurance Plan Overview Presented by Renaissance Insurance Agency, Inc Topics for Discussion 1. Health Insurance Basics Why do I need health insurance? How does health insurance

More information

No Charge (Except as described under "Rehabilitation Benefits" and "Speech Therapy Benefits")

No Charge (Except as described under Rehabilitation Benefits and Speech Therapy Benefits) An Independent Licensee of the Blue Shield Association Custom Access+ HMO Plan Certificated & Management Benefit Summary (For groups of 300 and above) (Uniform Health Plan Benefits and Coverage Matrix)

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

UnitedHealth Wellness SM

UnitedHealth Wellness SM 100_6168_305 3/10/05 7:46 PM Page 1 UnitedHealth Wellness SM Resources and tools to help you stay healthy. Feel Good. Be Healthy. Live Well. SM Portfolio of UnitedHealth Wellness Programs and Services:

More information

Doctors Offices near North Seattle College

Doctors Offices near North Seattle College Doctors Offices near Pacific Medical Centers Mon - Thur 7:00am-7:00pm U.S. HealthWorks Mon - Fri 8:00am -7:00pm 10416 5th Avenue NE Fri 7:00am-5:00pm 836 NE Northgate Way Sat 10:00am - 4:00pm Remember

More information

How to Access Your Specialty Benefit Solutions

How to Access Your Specialty Benefit Solutions Specialty Benefit Solutions Member Benefits Guide Understanding your Specialty Benefit Solutions (SBS) ID card Your personal Member ID card contains valuable information for utilizing your Specialty Benefit

More information

POS. Point-of-Service. Coverage You Can Trust

POS. Point-of-Service. Coverage You Can Trust POS Point-of-Service Coverage You Can Trust Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees of the Blue Cross and Blue Shield Association. Coverage

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

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

Healthy Michigan MEMBER HANDBOOK

Healthy Michigan MEMBER HANDBOOK Healthy Michigan MEMBER HANDBOOK 2015 The new name for Healthy 1 TABLE OF CONTENTS WELCOME TO HARBOR HEALTH PLAN.... 2 Who Is Harbor Health Plan?... 3 How Do I Reach Member Services?... 3 Is There A Website?....

More information

Who are you healthy for?

Who are you healthy for? Who are you healthy for? Be there for those you care about Health plans for individuals and families 1/1/2016 WE RE HERE FOR YOU EVERY STEP OF THE WAY For help choosing and enrolling in a plan 877-PREMERA

More information

How to Use Your International Student Insurance Plan For the Students of. Presented by

How to Use Your International Student Insurance Plan For the Students of. Presented by How to Use Your International Student Insurance Plan For the Students of Presented by YOUR INSURANCE ID CARD Your ID cards will be sent to you after the start of Fall term (or Spring if you are newly enrolled).

More information

The Value of Medicare Advantage for CalPERS Medicare eligible retirees

The Value of Medicare Advantage for CalPERS Medicare eligible retirees Agenda Item 8, Attachment 1, Page 1 of 33 The Value of Medicare Advantage for CalPERS Medicare eligible retirees 1 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without

More information

PPO Choice. It s Your Choice!

PPO Choice. It s Your Choice! Offered by Capital Advantage Insurance Company A Capital BlueCross Company PPO Choice It s Your Choice! Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees

More information

Regence Medicare Advantage PPO Plans. Regence BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association

Regence Medicare Advantage PPO Plans. Regence BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association DECISION GUIDE 2015 Medicare Advantage PPO Plans BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association Y0062_07978 Approved OR PPO 2015 GET STARTED READ.

More information

CSAC/EIA Health Small Group Access+ HMO 15-0 Inpatient Benefit Summary

CSAC/EIA Health Small Group Access+ HMO 15-0 Inpatient Benefit Summary CSAC/EIA Health Small Group Access+ HMO 15-0 Inpatient Benefit Summary (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE

More information

KAISER PERMANENTE PLAN (Non-Medicare Eligible)

KAISER PERMANENTE PLAN (Non-Medicare Eligible) CEMENT MASONS HEALTH AND WELFARE TRUST FUND FOR NORTHERN CALIFORNIA RETIRED CEMENT MASONS AND THEIR ELIGIBLE DEPENDENTS EFFECTIVE JANUARY 1, 2015 GENERAL When You Can Change Plans Type of Plan, Service

More information

HEALTH INSURANCE FOR INDIVIDUALS AND FAMILIES. Insuring Minnesota One Life At A Time. www.preferredone.com

HEALTH INSURANCE FOR INDIVIDUALS AND FAMILIES. Insuring Minnesota One Life At A Time. www.preferredone.com foreveryone HEALTH INSURANCE FOR INDIVIDUALS AND FAMILIES Insuring Minnesota One Life At A Time www.preferredone.com for EveryOne Insuring Minnesota One Life At A Time Thank you for your interest in the

More information

Mandatory Health Insurance

Mandatory Health Insurance Health Insurance Mandatory Health Insurance Health insurance is mandatory for all Pace University students. All students are automatically charged a fee for health insurance in their student bills. Students

More information

Get healthy. Stay healthy. Kaiser Permanente. Kaiser Permanente. Health Plan. kp.org

Get healthy. Stay healthy. Kaiser Permanente. Kaiser Permanente. Health Plan. kp.org Get healthy. Stay healthy. Kaiser Permanente Kaiser Permanente Student Student Health Plan Health Plan w i t h d e d u c t i b l e kp.org Table of Contents The Basics 3 How It Works 4 Frequently Asked

More information

Providence Health Plans

Providence Health Plans Providence Health Plans v Providence Enrollment Service Area Providence Medicare Advantage Plans Special Attributes Established network of doctors and hospitals Over 11,000 in network providers and growing

More information

Gonzaga Student Accidental / Injury Insurance Plan 2015-2016 IMPORTANT NOTE

Gonzaga Student Accidental / Injury Insurance Plan 2015-2016 IMPORTANT NOTE Gonzaga Student Accidental / Injury Insurance Plan 2015-2016 IMPORTANT NOTE This Reference Guide provides general summary of your coverage and key information about the program. A complete description

More information

2016 Individual Exchange

2016 Individual Exchange 2016 Individual Exchange Alabama Not for Consumer Use Agenda We are with you every step of the way 1 2 3 4 5 Marketplace facts and helping consumers choose a plan UnitedHealthcare health insurance plans:

More information

How To Get Health Insurance For College

How To Get Health Insurance For College MCPHS University Health Insurance Program Information Beginning September 1, 2015 Health Services MCPHS University students on the Boston campus have access to the Massachusetts College of Art and Design

More information

Navigating Your Student Health Insurance Plan

Navigating Your Student Health Insurance Plan Navigating Your Student Health Insurance Plan Loyola University Chicago 2015 2016 Student Health Insurance Plan offered by UnitedHealthcare StudentResources 2015-1291-1 15COL3262 Page 1 of 7 Why Is a Student

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

MCPHS University Health Insurance Program Information

MCPHS University Health Insurance Program Information MCPHS University Health Insurance Program Information Beginning September 1, 2014 Health Services MCPHS University students on the Boston campus have access to the Massachusetts College of Art and Design

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

California Baptist University

California Baptist University 2014-2015 Student Injury and Sickness Insurance Plan 5 Designed especially for the students of California Baptist University All traditional undergraduate domestic students enrolled in 7 or more credit

More information

Arizona State Retirement System Plan Benefit Information for Medicare Eligible Members

Arizona State Retirement System Plan Benefit Information for Medicare Eligible Members Arizona State Retirement System Plan Benefit Information for Medicare Eligible Members Benefits Effective January 1, 2012 UHAZ12HM3349753_000 H0303_110818_013543 Summary of the UnitedHealthcare plans

More information

High Deductible and HSA Qualified Plans

High Deductible and HSA Qualified Plans High Deductible and HSA Qualified Plans For individuals and families HIGH DEDUCTIBLE PLANS Insuring Minnesota One Life At A Time w w w.preferredone.com Dear Prospective Members: Thank you for your interest

More information

How To Get Health Insurance At Columbia

How To Get Health Insurance At Columbia Columbia Health 2012-2013 1 Table of Contents Premiums and Fees 3 Columbia Health Program 4 Columbia Student Medical Insurance Plan 5 Enrollment in the Columbia Plan 7 Additional Options 9 Waiver from

More information

Florida Gulf Coast University Hard Waiver International Students

Florida Gulf Coast University Hard Waiver International Students 2014-2015 Student Injury and Sickness Insurance Plan Designed especially for the students of Florida Gulf Coast University Hard Waiver International Students Florida Gulf Coast University is pleased to

More information

STANDARD AND SELECT NETWORK PRODUCTS FROM TUFTS HEALTH PLAN

STANDARD AND SELECT NETWORK PRODUCTS FROM TUFTS HEALTH PLAN STANDARD AND SELECT NETWORK PRODUCTS FROM TUFTS HEALTH PLAN 2015 PLAN OPTIONS Standard Network: The Standard Network plans provide members with a choice of more than 25,000 participating doctors and 90

More information

Though you may have paid expenses in this area, they do not count toward the out-ofpocket limit.

Though you may have paid expenses in this area, they do not count toward the out-ofpocket limit. WellCare of New York: WellCare Silver Non-Standard Plans (100% - 150% FPL) Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual

More information

2014-2015 International F-1 Visa Student Health Insurance Plan

2014-2015 International F-1 Visa Student Health Insurance Plan 2014-2015 F-1 Visa Plan 2014-2015 International F-1 Visa Plan Blue Cross Blue Shield of Texas Administered by Academic HealthPlans Presented By: Lone Star College System (LSCS) Office of Risk Management

More information

Arkansas A guide for individuals and families

Arkansas A guide for individuals and families Arkansas A guide for individuals and families A variety of health insurance plans to fit your needs at affordable rates Visit www.coventryone.com for more information. 80.02.351.1-AR A (1/16) Things to

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthfirstny.org or by calling 1-888-250-2220. Important

More information

Wellesley College Health Insurance Program Information

Wellesley College Health Insurance Program Information Wellesley College Health Insurance Program Information Beginning August 15, 2013 Health Services All Wellesley College students, including Davis Scholars and Exchange students are encouraged to seek services

More information

Health Insurance Information International Students

Health Insurance Information International Students Health Insurance Information International Students Health services can be extremely costly without adequate insurance coverage. Therefore, all international students at the University of Tennessee at

More information

$0 See the chart starting on page 2 for your costs for services this plan covers.

$0 See the chart starting on page 2 for your costs for services this plan covers. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthfirstny.org or by calling 1-888-250-2220. Important

More information

MIT Student Health Plan

MIT Student Health Plan M A S S A C H U S E T T S I N S T I T U T E O F T E C H N O L O G Y MIT Student Health Plan 2011-12 What you should know about 2 health insurance Rates 2 What MIT Medical offers 3 Your medical benefits

More information

Take charge of your health

Take charge of your health Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Take charge of your health Choose Aetna, choose affordable coverage The information you need to choose quality

More information

Physicians Plus Insurance Corporation State HDHP Uniform Benefits Coverage Period: 2015 Summary of Benefits and Coverage: Single Plan: EHRNSWPE

Physicians Plus Insurance Corporation State HDHP Uniform Benefits Coverage Period: 2015 Summary of Benefits and Coverage: Single Plan: EHRNSWPE This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.etf.wi.gov or by calling 1-877-533-5020. Important Questions

More information

2015 2016 Student Injury and Sickness Plan for Smith College

2015 2016 Student Injury and Sickness Plan for Smith College 2015 2016 Student Injury and Sickness Plan for Smith College Who is eligible to enroll? All students in a degree program enrolled in at least 25% of full-time are automatically enrolled in this insurance

More information

Understanding Group Health Insurance Anthem KeyCare 15+ Plan

Understanding Group Health Insurance Anthem KeyCare 15+ Plan Understanding Group Health Insurance Anthem KeyCare 15+ Plan January 12, 2010 Although it is the intent of the University to continue current benefit plans, the University reserves the right to modify,

More information

Introducing UnitedHealthcare North Shore-LIJ Advantage When doctors connect, everyone benefits

Introducing UnitedHealthcare North Shore-LIJ Advantage When doctors connect, everyone benefits Introducing UnitedHealthcare North Shore-LIJ Advantage When doctors connect, everyone benefits For New York fully insured employers with 2-50 enrolled employees (Queens, Nassau, Suffolk counties) UnitedHealthcare

More information

St. Mary s College. of California. Student health plan handbook. Janis E. Carter, Health Net Supporting our members behavioral health needs.

St. Mary s College. of California. Student health plan handbook. Janis E. Carter, Health Net Supporting our members behavioral health needs. Commercial St. Mary s College of California Student health plan handbook Janis E. Carter, Supporting our members behavioral health needs. Jesus Hao, Ensuring your plan information is up to date. Welcome

More information

Alternate PPO/Alternate Rx

Alternate PPO/Alternate Rx This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at capbluecross.com or by calling 1-866-802-4761. Important

More information

What is the overall deductible? Are there other deductibles for specific services?

What is the overall deductible? Are there other deductibles for specific services? Small Group Agility MS200 Coverage Period: Beginning on or after 01/01/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or

More information

Health Insurance for International Visiting Scholars & Faculty

Health Insurance for International Visiting Scholars & Faculty Health Insurance for International Visiting Scholars & Faculty Health Insurance is required while you are working/researching at Stony Brook University. United States Federal Law requires you have adequate

More information

100% Percentage at which the Fund will reimburse Fund Administration

100% Percentage at which the Fund will reimburse Fund Administration FUND FEATURES HealthFund Amount $500 Employee $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per

More information

2014 2015 Student Injury and Sickness Insurance Plan for Old Dominion University

2014 2015 Student Injury and Sickness Insurance Plan for Old Dominion University 2014 2015 Student Injury and Sickness Insurance Plan for Old Dominion University Who is eligible to enroll? All F-1 and J-1 International students are enrolled in the Student Health Insurance Plan upon

More information

How to Use Your International Student Insurance Plan For the Students of. Presented by

How to Use Your International Student Insurance Plan For the Students of. Presented by How to Use Your International Student Insurance Plan For the Students of Presented by YOUR INSURANCE ID CARD Your ID cards will be emailed to you after the start of your session. If you have enrolled dependents,

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

LifeWise: LifeWise Oregon Standard Gold Plan 1300 Coverage Period: 1/1/2015-12/31/2015

LifeWise: LifeWise Oregon Standard Gold Plan 1300 Coverage Period: 1/1/2015-12/31/2015 LifeWise: LifeWise Oregon Standard Gold Plan 1300 Coverage Period: 1/1/2015-12/31/2015 Summary of Coverage: What this Plan Covers & What it Costs Coverage for: Individual or Family Plan Type: PPO This

More information

Good health happens together

Good health happens together Good health happens together CITY OF BALTIMORE 2016 HEALTH CARE OPTIONS WHAT S INSIDE BENEFITS OVERVIEW WELLNESS RESOURCES ONLINE TOOLS Thank you for considering UnitedHealthcare. We are proud to again

More information

FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT

FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT BENEFIT INFORMATION CLAIMS STATUS/INFORMATION GENERAL INFORMATION PROVIDERS THE SIGNATURE 90 ACCOUNT PLAN THE SIGNATURE 80 PLAN USING YOUR

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.nhp.org or by calling Customer Service at 1-866-414-5533

More information

2015 Annual Open Enrollment Period Monday, November 3, 2014 Friday, December 5, 2014

2015 Annual Open Enrollment Period Monday, November 3, 2014 Friday, December 5, 2014 TO: All Benefits-Eligible s FROM: Shelly Ruocco, Associate Vice President for Human Resources DATE: November 3, 2014 SUBJECT: 2015 Annual Open Enrollment Period Monday, November 3, 2014 Friday, December

More information

Benefit Program Summary

Benefit Program Summary Benefit Program Summary The Cleveland Clinic is comprised of ten of Northeast Ohio s most prestigious hospitals and offers its employees career opportunities in state-of-the-art facilities that cover the

More information

Your Plan: Anthem Gold HMO 500/20%/5000 Your Network: California Care HMO

Your Plan: Anthem Gold HMO 500/20%/5000 Your Network: California Care HMO Your Plan: Anthem Gold HMO 500/20%/5000 Your Network: California Care HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does not

More information

Aetna Global Benefits A Guide to Your Plan: Questions and Answers for the Cultural Mission of the Royal Embassy of Saudi Arabia

Aetna Global Benefits A Guide to Your Plan: Questions and Answers for the Cultural Mission of the Royal Embassy of Saudi Arabia Aetna Global Benefits A Guide to Your Plan: Questions and Answers for the Cultural Mission of the Royal Embassy of Saudi Arabia This information is not evidence of coverage. You must enroll and be accepted

More information

Massachusetts. Coverage Period: 7/1/2013 6/30/2014 Coverage for: Individual + Family Plan Type: HMO

Massachusetts. Coverage Period: 7/1/2013 6/30/2014 Coverage for: Individual + Family Plan Type: HMO Harvard Pilgrim Health Care, Inc. The Harvard Pilgrim Best Buy Tiered Copayment ChoiceNet HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Massachusetts Coverage Period: 7/1/2013

More information

UHC Premium HSA Coverage Period: 01/01/2016-12/31/2016

UHC Premium HSA Coverage Period: 01/01/2016-12/31/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at http://totalrewards.stryker.com/spd/ or by calling Your Benefits

More information

Open Enrollment. Open Enrollment is October 26 November 13, 2015

Open Enrollment. Open Enrollment is October 26 November 13, 2015 Open Enrollment Open Enrollment is October 26 November 13, 2015 Login to Employee Self Service (eserve) at hr.tufts.edu/eserve to make any benefit changes. Changes will be effective January 1, 2016. Welcome

More information

Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: All Contract Types Plan Type: HMO

Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: All Contract Types Plan Type: HMO CLSSSM BCN Classic HMO Gold $1500 Coverage Period: 1/1/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: All Contract Types Plan Type: HMO This is only

More information

Solicitation Amendment No. 003

Solicitation Amendment No. 003 Procurement Operations 3100 Main St. Houston, TX 77002 Solicitation Amendment No. 003 Page 1 of 1 To: Date: Prospective Bidders October 29, 2010 Project Title: Project No.: International Student Health

More information

United States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014

United States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014 or after 9/7/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: PPO This is only a summary. If you want more detail about your coverage and

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at PacificSource.com or by calling 1-888-977-9299 Important

More information

UnitedHealthcare. with a HEALTH REIMBURSEMENT ACCOUNT (HRA) A national network to help lower your costs

UnitedHealthcare. with a HEALTH REIMBURSEMENT ACCOUNT (HRA) A national network to help lower your costs Medical UnitedHealthcare Choice Plus Plan with a HEALTH REIMBURSEMENT ACCOUNT (HRA) Visit welcometouhc.com Find a network doctor. Estimate the cost of the plan. Find a network pharmacy. See recommended

More information

Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program

Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program Revised 08/20/2015 Graduate Student employees may choose between the Student Insurance Plan administered

More information

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthnet.com/cvscaremark or by calling 1-888-893-1598

More information

Medical plan options. Small Business Solutions. New York FOR BUSINESSES WITH 2 50 ELIGIBLE EMPLOYEES

Medical plan options. Small Business Solutions. New York FOR BUSINESSES WITH 2 50 ELIGIBLE EMPLOYEES Medical plan options Small Business Solutions New York FOR BUSINESSES WITH 2 50 ELIGIBLE EMPLOYEES Health insurance plans are offered, underwritten or administered by Aetna Life Insurance Company. 14.02.929.1-NY

More information

Benefit Highlights for ASU students

Benefit Highlights for ASU students bcbsnc.com /asu Benefit Highlights for ASU students Effective 08/01/14 Marks of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of North Carolina is an independent licensee of the

More information

Self-Insured Schools of California: Schools Helping Schools

Self-Insured Schools of California: Schools Helping Schools Self-Insured Schools of California: Schools Helping Schools SISC PPO Plans PPO, HSA, Minimum Value & Bronze Administered by Blue Shield of California 2016/2017 Enrollment Guide Blue Shield of California

More information