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University at Albany International Health Insurance HTH Worldwide

University at Albany International Health Insurance HTH Worldwide. Presented by International Student and Scholar Services (ISSS) International Orientation Spring 2014. Why Is Health Insurance Mandatory ? Who Must Have Health Insurance ?.

patricia-villarreal
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University at Albany International Health Insurance HTH Worldwide

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  1. University at AlbanyInternational Health InsuranceHTH Worldwide Presented by International Student and Scholar Services (ISSS) International Orientation Spring 2014

  2. Why Is Health Insurance Mandatory ?Who Must Have Health Insurance ? • In the United States, medical expenses are very expensive and without health insurance you may not be able to pay the bills. • Health Insurance helps you pay the medical bills and prescriptions when you receive medical care. • All F-1 and J-1 and their dependents (F-2 and J-2) are required to carry Health Insurance at all times during your stay in the United States.

  3. Types of Health Insurance • Student Employees, funded by: • SUNY Graduate/Teaching Assistantship, or • SUNY Research Foundation  NYSHIP Student Employee Health Plan (SEHP) and others • Self-funded Students:  HTH Worldwide • Students funded by Other Sponsor:  HTH Worldwide

  4. Where Do I Get HTH Information ? ISSS Website: www.albany.edu/isss HTH Website: www.HTHstudents.com Science Library, Room G-40, Uptown Campus IntInsurance@albany.edu (518) 591-8185

  5. Types of Mandatory InsuranceYou Will Be Automatically Enrolled • HTH Worldwide Health Insurance • Helps you pay when you receive medical treatment, subject to insurance coverage. • $672.00 for Spring 2014 • Register/Login at www.HTHstudents.com • FrontierMEDEX Emergency Assistance & Evacuation Insurance (All international students are enrolled) • If you need to leave the U.S. for emergency medical treatment, MEDEX helps you pay the trip. • $49.00 for Spring 2014

  6. How Much Does Medical Care Cost in the United States ? ** Examples below are estimates only. • Off-Campus Doctor Visit:  No insurance = $ 145.00  With HTH : $ 0 if referred by University Health Center or $50.00 without referral. • Hospital Emergency Room visit for broken arm:  No insurance =$700.00  With HTH = $0 ( no referral needed)

  7. What Does HTH & MEDEX Insurance Cover ? • 100% of Reasonable Expenses after Deductible: Physician Office Visits, Inpatient Hospital Services, Hospital and Physician Outpatient Services, and Prescription Drugs • $300,000 Max. Benefit per Injury or Sickness • $10,000 Max. Benefit for Accidental Death and Dismemberment • Other Benefits and Coverage defined in the policy.

  8. Benefits and Policy Information Downloadable at: • www.HTHstudents.com • www.albany.edu/isss (Also available in ISSS Office) HTH Benefit Brochure http://www.albany.edu/isss/pdf/Insurance/HTH%20Benefits%20Brochure%202011-2012.pdf HTH Program (Full Version) http://www.albany.edu/isss/pdf/Insurance/HTH%20Inbound%20International%20Program.pdf FrontierMedex http://www.albany.edu/isss/pdf/Insurance/FrontierMEDEX%20Benefits%20Brochure.pdf

  9. When Do I Receive My Insurance Card ? • After ISSS enrolls you to HTH, you will receive a welcome e-message from HTH in your UAlbany e-mail account. • Instructions are given to register/login to www.HTHstudents.com • You may print outyour HTH Card directly, or pick upthe actual card in ISSS when notified. • Always carry the card with you.

  10. HTH Health Insurance ID Card • Looks like this …  Coverage Date for Spring 2014: January15, 2014 – August14, 2014

  11. Where Do I Go When I am Sick ? • Go to the University Health Center • Professional medical and friendly services  • Your medical information is confidential  • For appointment and information: www.albany.edu/health_center APPOINTMENTS (518) 442-5229 PHONE (518) 442-5454 400 Patroon Creek Blvd., Suite 200 Albany, NY 12206

  12. What If University Health Center Cannot Treat Me ? • They will refer you to a doctor off-campus. • They will give you a Referral Form. • You must enter the Referral Code on www.HTHstudents.com before your doctor visit. • Call HTH Customer Service at 1-888-350-2002 to make sure doctor is in HTH Worldwide Network, or • Call doctor to confirm they are part of the “AETNA PPO/NAP Network” as noted on your Insurance ID Card.

  13. What if University Health Center Is Closed ? • If not an emergency • Wait until University Health Center re-opens. • However, if you feel you must see a doctor off-campus, go back to Health Center to get a HTH Referral form later when they re-open. • Login to www.HTHstudents.comto enter the Referral Code.

  14. What If I Have Medical Emergency ? • An Emergency = life threatening event or severe/acute pain. • Call 911 or University Police (518) 442-3131 • Off-Campus: Identify yourself as a UAlbany student and provide your location.

  15. If It Is Actually Not An Emergency… Important: If you go to a hospital emergency room and you do not have an emergency • You will wait 2-4 hours or more • Cost is very high • $50 (called a deductible) will be charged to you.

  16. What Does HTH Insurance NOT Covered? • Routine Physical Exams – An exam required by a class or program, but you are not sick. • Eye Exams to check vision • Dental Care unless caused by injury • Some Immunizations and Vaccines

  17. Where Can I Find Dental Care ? • Dental Discount Plans available at: www.dentalinsurance.com www.dentalplans.com • Enter your zip code (12222) to find the available plans near your area, compare and choose the plan according to your needs.

  18. Where Can I Get Eye Exam and Glasses/Frames ? • Google “Opticians” or “Optometrists” in Albany, NY • Or, Visit: Target Optical Store (CDTA Bus #90), or Wal-Mart Vision Center (#12) • Shop for best prices.

  19. What If I am Covered by Other Health Insurance Plan ? You will still be enrolled in HTH Worldwide. • You may keep HTH as your health insurance, or • You may apply for Health Insurance Waiver: • Waiver Application is a request for review of your insurance benefit and coverage. It does not guarantee waiver approval. You may opt out of HTH only if your health insurance is comparable or better than HTH. • Waiver Application Formavailable in ISSS or online. • Application Deadline: March 15, 2014.

  20. Dependent’s HTH Enrollment • F-1s and J-1s must ensure that your dependents (spouse or child) are covered under HTH or other insurance plan. • If you are a F-2 or J-2 registered for classes yourself, you will be enrolled in HTH automatically. • Parents are not considered dependents under HTH policy. • Please contact ISSS for dependent’s HTH enrollment.

  21. Where Do I Get HTH Information ? E-mail: IntInsurance@albany.edu Location: Science Library, Room G 40, Uptown Campus Office Hour: 9:00 AM – 5:00 PM, Mon – Fri Phone: (518) 591-8185

  22. Q & A

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