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The University of Iowa Student Health Insurance

The University of Iowa Student Health Insurance. Benefits Office. Campus mail address: 120-40 USB Telephone number: (319) 335-2676 Toll-free number: (877) 830-4001 Web page: http://hr.uiowa.edu/benefits. Located at the corner of Prentiss and Capitol Streets. Mandatory Insurance.

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The University of Iowa Student Health Insurance

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  1. The University of IowaStudent Health Insurance

  2. Benefits Office • Campus mail address: 120-40 USB • Telephone number: (319) 335-2676 • Toll-free number: (877) 830-4001 • Web page: http://hr.uiowa.edu/benefits Located at the corner of Prentiss and Capitol Streets

  3. Mandatory Insurance • The University of Iowa requires all international students or Students in the Health Sciences to have medical insurance. • Medical care is expensive • No government assistance available

  4. The University of Iowa • Insurance Plans • Student Health Insurance Plan (SHIP) • UIGRADCare • Dental Insurance

  5. SHIP Coverage • Undergraduate and graduate students • $130 per month for single coverage • $135 per month starting 9/1/14 • Care through Alliance Select providers

  6. SHIP Coverage • Worldwide coverage • Office visits to physicians • Routine Physicals • Pap smears and pelvic exams • Immunizations • Hospitalization • Surgery • Imaging and laboratory tests • Prescriptions • Mental Health • Repatriation

  7. SHIP Coverage • Co-payments • $10: office visit, lab test, imaging • $50: emergency room • Coinsurance • 10%: hospitalization after $300 deductible Example: 2 day hospital stay = $3,000 You pay: $300 deductible 10% of $2,700 = $270 Your total cost: $570

  8. SHIP Coverage • Prescription coverage: 3 Levels • Generic Drugs25% • Name brand formulary drugs30% • Name brand nonformulary drugs50%

  9. SHIP Coverage • Exclusions (services not covered) • Routine eye and hearing exam • Glasses • Dental care (accidents only) • No lifetime maximum on policy

  10. UIGRADCare Coverage • Only available for • Graduate students • Students in health sciences • Primary care through Student Health Service, UIHC Clinics, and Community Medical Service Clinics • Family members receive care through the UIHC and Community Medical Service Clinics • $242 per month single coverage • $247 per month starting 9/1/14

  11. UIGRADCare Coverage • Office visits to physicians • Hospitalization • Surgery • Imaging and laboratory tests • Annual physicals • Annual vision and hearing exams • Prescription drugs • Mental health and chemical dependency care • Repatriation

  12. UIGRADCare Coverage • Office visits, eye/hearing exam, immunizations • $10 co-pay • Annual physicals • Free • Coinsurance • 10%: imaging and lab, hospitalization after $125 daily deductible Example: 2 day hospital stay = $3,000 You pay: $125 x 2 = $250 and 10% of $2,750 = $275 Your total cost: $525

  13. UIGRADCare Coverage • Prescriptions • $7 or 25%, whichever is greater • Mental Health • Participating providers list (http://www.wellmark.com) • Providers under Blue Access- mental healthonly • $10 co-pay for participating providers • 50% coinsurance for non-participating providers

  14. UIGRADCare Coverage • Out-of-Pocket Maximum (OPM) • $1,200 Single • $1,800 Family • Prescription OPM • $1,200 Single • $1,800 Family • No lifetime maximum on policy

  15. Dental Insurance • Delta Dental of Iowa • Participating: File claims and accept payment arrangements. • Non-participating: Claims settled directly with you and you are responsible for paying provider. • $21 per month for single coverage • $25 per month for single starting 9/1/14

  16. Dental Insurance Plan • Diagnostic and preventive services • Cleaning, oral evaluation, imaging, etc. • No cost • Restorative services • Cavity repair, tooth extraction, root canals, etc. • $25 deductible/per person + 20% • High cost restorations • Crowns, inlays, dentures, and bridges • $25 deductible/per person + 50% • Maximum of $1,000 per individual per year

  17. Graduate Assistants & Fellows Assistantship of at least 25% time Fellowship of at least $9500.00 per year • University contributes toward cost of policies • If you and your spouse both have assistantships, you will need to indicate that on your Employed Grad application form. • Application forms are required. It is NOT automatic.

  18. Graduate Assistants & Fellows • Benefits begin on the first day of the month following the first day of work AND completion of enrollment form. • Premiums will be deducted from your paycheck. • June paycheck will pay for three premiums – triple dip.

  19. Application Process • Complete application during open enrollment period (Aug 1- Sep 5, 2014) if you are: • Enrolling in UIGRADCare or SHIP • Enrolling in dental insurance • Adding family members (this will increase your premiums)

  20. Changes During the Year • Changes can only be made • During Open Enrollment • Within 30 days of an event • Marriage • Divorce • Birth (60 days) • Arrival in U.S. • Spouse beginning or ending job • Changes take effect the 1st of the month following the event, except for birth.

  21. Identification Cards • Present card when visiting physician or hospital • Phone numbers listed on card • Pre-certification for hospitalization • Customer Service (claims questions) • Contact the Benefits Office • Corrections of names or birth dates • New cards NameMember Number NameMember Number

  22. Forms • Booklets available and Coverage Manuals • University Benefits Office • On-line at: http://hr.uiowa.edu/benefits

  23. Thank you for your attention. Welcome to The University of Iowa!

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