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Student Health Insurance

UK Student Insurance Coordinators

Melynda BurkeUK Graduate School

Emily DuncanUniversity Health Service

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What is a Funded Graduate Student?

Each semester students must be:

Enrolled in the Graduate School

Degree-seeking

In UK payroll with an assignment as a full-time TA, RA, GA (20 hrs. per week), or qualifying institutional fellowship recipient* *or a full combination of these positions

Only the Graduate Funding Office can verify eligibility for fully-funded status.

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As a funded student, how do I sign up?

Qualified funded graduate students are automatically enrolled—the entire process is designed to be hassle -free

There are no forms or paperwork to complete

Email and mailing address are obtained from My UK account – make sure this is current

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When does coverage begin?

Coverage begins August 20th

The insurance year is broken into only two parts:

• Fall (August 20th – December 31st cost of $743)

• Spring/Summer (January 1st – August 19th cost of $1,279)

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How will I receive policy information?

Create account in your United “My Account”– Email from

notifications@uhcsr.comSystem includes:– ID Cards – Claim letters– EOB statements

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What if I am not a funded graduate student?

Voluntary Purchase: Identical coverage for domestic students is available for purchase online via uky.myahpcare.com . The plan is $2,022 per year. Monthly installments are available.

International Students: Insurance coverage for international students is mandatory. The fee for the premium is automatically applied to your student bill. The charge for fall semester is $743. The charge for spring/summer will be $1,279.

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As a funded international student, when will my insurance

charge be paid?After your eligibility as a funded graduate student is confirmed by the Graduate Funding Office, the premium is then paid.

Allow one month after the first day of classes for processing each semester. In the event of a processing delay on the Graduate School’s part; you will not be responsible for late fees incurred.

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Certificate Brochure uky.myahpcare.com

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Maximum Benefit

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#1 fundamental to understand about the plan structure:

This policy is a PPO: preferred provider organization.

UK clinic and hospital physicians are the in-area preferred providers.

You can incur significantly higher costs away from UK.

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Deductible

Amount you must satisfy before your insurance will pay for any covered service.

– $0 at UHS Providers– $100 at UK Providers– $500 at United Providers – $1,000 at Out-of-Network Providers

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Coinsurance

Percentage of bill you pay based upon the provider network.

– 10 % at UHS – 20% at UK Providers– 35% at United Providers– 50% at Out-of-Network

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Prescription Benefit• Copays based upon provider network and drug tier• For drug tiers information:

– See Prescription Drug List (PDL) available at www.uhucrs.com, login to “My Account”

– Call 1-855-828-7716 or the number on your health ID card

• Contraceptives covered:– Tier 1 contraceptives covered at 100%

when filled at network pharmacy– To locate $0 cost-share contraceptives

• Login to “To My Account” at www.uhcsr.com

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Emergency Room CareYour insurance will not pay for care in the Emergency Room if you do not have an emergency medical condition as defined in your plan brochure.

– For example: headache=NO broken leg=YES

If you are unsure if your condition is an emergency, call United Health care 24 Nurse Advice Line.

855-383-7875, PIN 722

UHS also has a Phone Nurse Line during business hours.

859 – 323-INFO (4636)

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Other policy features...Dependent coverage - if insured on the plan, you can purchase coverage for qualifying dependents at uky.myahpcare.com. Please note this coverage can only be purchased during open enrollment windows or with a qualifying life event.

Travel assistance – provided by On Call International including:– Medical evacuation, medical referral, lost luggage, travel information, visa, passport,

and inoculation requirements.

UnitedHealth Allies Discount card - savings of 10% to 25% at the point-of-service for dental and vision care, as well as health and wellness products.

– For details, Log in to www.sr.unitedhealthallies.com to download the member handbook, and locate providers and learn more about each savings opportunity. The discount program is not insurance and is provided by OptumHealth as a value-added benefit.

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Policy Information…… All the tools you will need are available

24 hours a day at: uky.myahpcare.com. Read the Certificate Brochure

Search for health care providers in the national network when away from UK

Purchase coverage for yourself and/or your dependents

Print or request replacement ID cards

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University Health Service

University Health Service is located at 830 S. Limestone Street, directly south of the Kentucky Clinic and in front of the Wethington Building

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University Health Service (UHS) is an on-campus clinic available

for student use.

Servicesinclude:Primary Care Clinic

Women’s Care ClinicNursing Clinic

Behavioral Health ClinicHealth Education & Promotion

Urgent Care

What is University Health Service?

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Who can use UHS?

• Full-time students are assessed the health fee with their mandatory fees and tuition.

• Summer coverage available with optional health fee or on a fee for service basis.

• Year round health fee available for some programs. (Medicine, Dentistry, MBA (1 year), PT post doc.)

2014-2015 Health Fee: $175/semester

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UHS Providers

• 11 Physicians– Board certified in family practice, internal

medicine, emergency medicine, med-peds, psychiatry, occupational and sports medicine.

• 6 Nurse Practitioners– Certified in family medicine, women’s

health and psychiatry.

• 10 Nurses• 7 Nursing Assistants• 1 Dietician• 2 Certified Health Educators

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What does the Health Fee not Cover?

The health fee is designed to cover primary care and preventive medicine. Items not covered by the health fee include:

• Diagnostic testing (X-rays, most lab tests)• Hospitalization• After hours care: Urgent Treatment, Emergency Room• Surgical procedures• Referrals to specialists• Prescriptions• Vaccines

Students are encouraged to have health insurance to cover these expenses.

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Clinic Hours

Monday – Friday: 8:00 a.m. – 6:00 p.m.Saturday: 9:00 a.m. – 11:00 a.m.

Summer and when school is not in session: Monday – Friday

8:00 a.m. – 4:30 p.m.

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What should I bring to my appointment at UHS?

Don’t forget:•Immunization record (copy or picture is OK)•UK Student ID card•Health insurance card

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Cheese! (Take my picture!)Primary and women’s care appointments: (859) 323-APPT (2778)

Behavioral health appointments: (859) 323-5511

Phone Information Nurse: (859) 323-INFO (4636)

On call physician for after hours emergencies: (859) 323-5321

Compliance fax: (859) 257-9809

www.ukhealthcare.uky.edu/uhs

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Key take-away facts

1. Set up your online account in the United My Account system

2. UK’s physicians and pharmacies will help your dollars go the farthest

3. Instead of memorizing, know how to locate your resources

4. Ask questions as preparation instead of panic

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