Health Insurance Agenda

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Health InsuranceAgenda

• Insurance Requirements
• Who is UMs Health Insurance Provider?
• What does the health insurance plan cover?
• How do I enroll in the health insurance plan
• How much does the insurance plan cost?
• How do I pay for the insurance plan?
• How can I show that I have health insurance
  coverage?
• I need to see a doctorNow what?
• How do I get reimbursed for medical expenses?
• Can I be exempted from the insurance coverage?
• Words of advice

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• Insurance Requirement
• The University of Mississippi requires that all
  international students hold health insurance
  coverage, as well as medical evacuation and
  repatriation of remains insurance (medevac)
• International All non-USA citizens
• This requirement does not apply to the following
  international students
• U.S. Permanent Residents
• H-1 visa/status holders
• Deferred Action Status
• Students from particular exchange programs

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• Who is UMs Health Insurance Provider?
• AETNA Student Health
• www.aetnastudenthealth.com

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• What does the Health Insurance Plan cover?
• See the full plan details at www.aetnastudenthealt
  h.com
• In general
• 80 of negotiated charges for hospital visit,
  physician office visit (after 20 copay) or
  emergency room visit (after 100 copay) for
  preferred AETNA Network care providers
• 100 of prescription drug coverage after 10
  copay for each generic drug or 25 copay for
  brand name drugs.
• 80 of inpatient mental health expenses
• 50 of outpatient mental health and substance
  abuse expenses for preferred care providers.
• Medical Evacuation and Repatriation
• Maternity Benefits Family Planning
• Natural Disaster and Political Evacuation

• Coverage does not include
• Dental Check-Ups / Regular Cleaning / Cosmetic /
  and other procedures, etc.
• Annual Eye Exams, etc.

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• Tips
• Understand the terms
• Beware of inclusions/exclusions
• Know of cost differential for doctors inside /
  outside of Network
• Familiarize yourself with what your insurance
  covers now. Dont wait till you are ill!

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• How do I (international students) enroll in the
  health insurance plan?
• Automatically upon registering for courses at UM.
• By semester
• Spring semester at UM Insurance Plan from
  January 15, 2016 to August 14, 2016
• Fall semester at UM Insurance Plan from August
  15, 2016 to January 14, 2017

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• How much does the insurance plan cost
  (premium)?
• (Student Only)
• You are charged by term
• Fall 756
• August 15, 2016 January 14, 2017
• Spring/Summer 1,053
• January 15, 2016 August 14, 2016
• Additional costs apply for spouse and/or
  children!

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• How do I pay for this health insurance coverage?
• International students undergraduate and
  graduate - who are subject to the AETNA
  requirement
• - Billed to Bursar Account shortly after course
  registration.
• International graduate students who hold Graduate
  Assistantships
• - Partial subsidy towards cost of insurance by
  the Department which offered you the Graduate
  Assistantship.
• Remainder of the cost billed to (taken out of)
  your Graduate Assistantship stipend payments.
• http//gradschool.olemiss.edu/current-students
  /studenthealth-insurance/

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• How can I show I am insured? www.aetnastudentheal
  th.com

Type in University of Mississippi
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• You can print your insurance card from

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• Type in Student ID and Date of Birth
• You may print the card as many times as you
  desire!
• It may be 2-3 weeks before your card is printable.

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I need to see a doctor. What about insurance
?Always bring a copy of your insurance
card.Use Student Health Center on Campus
first!Doctor in Network - Pay your share -
Doctor will file the insurance claim on your
behalf. - You will be billed for any balance not
covered by the insurance policy.Doctor outside
of Network- You will need to file the insurance
claim on your own. - Forms and instructions are
available at AETNA website.- Always retain
copies of all documentation.
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How do I get reimbursed for medical
expenses?Example 1

• 1st Doctor/Hospital Visit
• Total Cost 2000. Who pays this?
• Deductible of 500 you.
• Co-pay of 20 you.
• 80 of remaining cost (of 1480) 1184
  insurance
• Remaining cost 296 you

• 2nd Doctor/Hospital Visit (in same year, prior to
  August 14)
• Total Cost 3000. Who pays this?
• Deductible of 500 was already paid for the
  year (see above).
• Co-pay of 20 you.
• 80 of remaining cost (of 2980) 2384
  insurance
• Remaining cost 596 you

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Example 2

• 1st Doctor/Hospital Visit
• Total Cost 200. Who pays this?
• You would pay the full 200 as part of the 500
  deductible for the insurance year.

• 2nd Doctor/Hospital Visit (in same year, prior to
  August 14)
• Total Cost 3000. Who pays this?
• You would pay 300 in deductible as part of the
  500 total deductible for the year. 200 was
  already paid (see above).
• Co-pay of 20 you.
• 80 of remaining cost (of 2680) 2144
  insurance
• Remaining cost 536 you

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Remember

• If you seek services from the University Health
  Center before you have evidence of the AETNA
  insurance.
• For TB X-Rays
• For Immunizations
• For personal illness
• Etc.
• Then go back to the Health Center with evidence
  of your AETNA Insurance Coverage and ID Number as
  soon as you have it, so the Health Center may
  file your claims.
• If you forget to do so, claims cannot be filed
  against your coverage. This means you will pay
  the full cost of health services.

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I dont want this insurance! Can I be exempted
from this policy?No. Except if, you are a
student- Who meets a particular exemption
category. See http//international.olemiss.ed
u/forms/health-insurance-exemption/ - From a
qualified exchange program. (see next
slide)Specific formalities and deadlines apply
for requesting an exemption form the University
Health Insurance Coverage requirement! Form
http//www.international.olemiss.edu/forms/other/i
nsurancewaiver.pdfDeadline February 5, 2016
(for Spring exemption)
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Who is exempted in 2015-16?

• Exchange students from

Konkuk University Glocal Campus S. Korea
Johannes Gutenberg University Germany
University of Leicester United Kingdom
Konju National University S. Korea
University of the Sunshine Coast Australia
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• Stay healthy.
• Eat healthy.
• Find balance.
• Be careful.
• Take good care of yourself.