Insurance Overview (PPT) - Lone Star College System

Report
International F-1 Student
Health Insurance
2013–2014
Blue Cross Blue Shield of Texas (BCBS)
Administered by Academic HealthPlans (AHP)
SLIDE 1
Health Insurance Requirement
• The Lone Star College System (LSCS) requires
that all registered F-1 international students,
with a LSCS I-20, maintain approved health
insurance coverage.
• LSCS automatically charges international F-1
students a fee for student health insurance with
Academic HealthPlans (AHP) upon
registration.
SLIDE 2
Insurance Waiver
• An F-1 student may request an insurance waiver by
completing the F-1 Student Health Insurance Waiver
Request Form found at: F-1 Student Medical Insurance Waiver Request Form
• Waiver request deadline:
Fall Semester
August 26, 2013
SLIDE 3
Insurance Waiver (con’t)
• Your assigned International Student
Advisor (ISA) or Designated Student
Official (DSO) will contact you via email
to confirmation of approval or denial of
your Insurance Waiver Request.
SLIDE 4
Maintaining Status
• Failure to maintain valid health insurance will
result in a student being “out of status.”
• If you fail to maintain health insurance, you
must contact your DSO/ISA and purchase
insurance with Academic HealthPlans
through LSCS.
SLIDE 5
Health Insurance Coverage Period &
Premium Charges
• An insurance fee is charged and collected twice a year at
registration.
• The following insurance fees are per student/per semester:
Fall
Spring/Summer
Summer Only
08/10/2013 thru 12/31/2013
01/01/2014 thru 08/09/2014
06/01/2014 thru 08/09/2014
• No pro-rated premiums
• No refunds except for AHP approved exceptions
• Temporary Coverage Period: See Handout
SLIDE 6
$523.00
$818.00
$255.00
Dependent Insurance Coverage &
Benefits (Optional)
• Dependents: Insured students may enroll dependents
by completing a dependent enrollment form (available
online) and submitting this directly to AHP.
• Benefits Include:
 Medical Benefits for Sickness and Injury
 Prescription Drugs
 Repatriation Coverage and Medical Evacuation
 24-Hour Nurse Line & Audio Health Library
 Discount Card for Dental, Vision, and Prescription
 Optional Basic Dental Plan Coverage can be purchased
directly through AHP
SLIDE 7
Medical & Other Coverage Benefits
SLIDE 8
Access to Medical Treatment
• U.S. healthcare system may be different from your home country.
• It is important to already have a physician, as things will work
more smoothly, especially in an emergency situation.
• The cost of treatment for a doctor office visit is much less than a
hospital visit.
• Your out of pocket costs will be affected by where you receive
medical care.
Always use common sense and good judgment
when making your health care choices!
SLIDE 9
Doctor’s Office
(General Practitioner/Clinic/Specialists)
.
Most routine visits and
health issues, ongoing
treatment
Examples:
• Family Practice
• Internal Medicine
• OB/GYN
• Neurologist
SLIDE 10
Minor Emergency Clinic
(Urgent Care Clinic)
These clinics can handle
most minor medical
situations if you have a:
• non life-threatening health
problem that cannot wait and
• your physician is unavailable
(such as evenings or
weekends)
SLIDE 11
Inpatient or Outpatient Hospital
• This is not for routine office visits or after hours
care.
• Normally, inpatient and outpatient hospital care is
at the direction of your doctor.
SLIDE 12
Emergency Room Care
• In this type of situation, it
is assumed that critical
emergency care is
needed at a hospital.
• You may need to call
“911”.
• This should only be used
in emergency situations.
SLIDE 13
Preferred Provider Network (PPO)
• Largest PPO Network including
National BlueAccess.
• Certain doctors, hospitals, and other
treatment facilities contract with a
PPO network, agreeing to provide
services at a lower cost.
• Doctors are screened for quality.
• There is less cost to you when you
receive care from a contracted
healthcare provider.
SLIDE 14
Benefit Coverage
• In-Network
Preferred Allowance means the amount a Preferred
Provider will accept as payment in full for covered
expenses.
• Out-of-Network
Usual and Customary Charges (U&C) means the average
amount charged by most providers for treatment, service,
or supplies in the geographic area where the treatment,
service or supply is provided.
Note: The student is responsible for costs that exceed the U&C amount.
SLIDE 15
Plan Basics
• The following Benefit Coverage & Deductible Summary is
for informational purposes only and is neither an offer of
coverage nor medical advice.
• It contains only a partial, general description of plan
benefits and programs and does not constitute a contract.
• Covered Expenses are subject to plan maximums,
limitations, and exclusions as described in the Policy.
• The PPO Network Provider is Blue Cross and Blue Shield
of Texas BlueChoice® PPO Network.
SLIDE 16
Benefit Coverage & Deductibles
SLIDE 17
Student Health Insurance
Plan Deductible
Plan Deductible
• The International student Health Insurance Plan has a
$100 one-time deductible* per year.
• This $100 deductible must be paid by the student.
• See the following examples.
SLIDE 18
EXAMPLE #1:
Plan Deductible – First Doctor Visit
* Paid by Student
SLIDE 19
EXAMPLE #2:
Plan Deductible Second Doctor Visit
SLIDE 20
Prescription Benefits
SLIDE 21
Prescription Benefits (con’t)
SLIDE 22
Temporary Coverage Period
• Temporary Coverage Period is the period of time,
approximately 30 days at the beginning of each
semester, where students may experience verification
of coverage delays due to the enrollment process with
Blue Cross Blue Shield of Texas (BCBS).
SLIDE 23
Temporary Coverage Period
Health Insurance Verification Process
Step 1: Contact your International Student Advisor
(ISA) at Lone Star College with the following
information:
Legal Name as listed on your I-20;
LSCS Student ID Number;
U.S. address including apt. #, city, state and zip code;
Gender (Male/Female);
Date of Birth;
Contact Telephone Number in the U.S.
Country of Citizenship (Based on Passport); and
If applicable:
Doctor’s Name;
Doctor’s Office phone; and
SLIDE 24
Appointment Date/Time.
Temporary Coverage Period
Health Insurance Verification Process
Step 2: Your International Student Advisor (ISA) will
contact you with your insurance ID card
number once it becomes available from the
insurance company.
Please Note: AHP needs a minimum of 4 days to process
your health insurance enrollment to produce a temporary
insurance card.
SLIDE 25
Temporary Coverage PeriodHealth
Insurance Verification Process
Step 3: After receiving your insurance ID card number
you may create and print your temporary Health
Insurance Identification Card at:
http://www.bcbstx.com/member.
SLIDE 26
Temporary Coverage Period –
Prescriptions
RX Benefits:
• Only designated pharmacies through Prime Therapeutics Network
will honor the prescription “copays.”
• Students cannot get a temporary ID card for prescriptions, as it must
be loaded first into the BCBS system.
• During the period student demographical information is being loaded
into the BCBS system, the student may return to pharmacy within 2-3
days for credit of money spent outside the “copay” amount.
• Prescriptions outside the network can only be reimbursed.
SLIDE 27
Find what you need at
www.AHPCare.com/lonestar
SLIDE 28
24/7 Nurseline
SLIDE 29
Identification (ID) Cards
SLIDE 30
Blue Access for Members (BAM)
SLIDE 31
Find what you need at
Blue Access for Members (BAM)
SLIDE 32
Global Emergency Services
Medical Evacuation and Repatriation
• Refer to brochure for complete information.
• All care must be arranged by Academic Emergency Services in
order to be covered.
IN AN EMERGENCY CALL
ACE Travel Assistance Services
1-240-330-1470 (From outside the U.S.)
1-800-625-8833 (From anywhere in the U.S.)
Visit www.ACETravelAssistance.com for
access to global threat assessments and location
based intelligence.
Username: aceah / Password: security
SLIDE 33
International F-1 Student
Health Insurance
2013–2014
Blue Cross Blue Shield of Texas (BCBS)
Administered by Academic HealthPlans (AHP)
SLIDE 34

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