The University of IowaStudent 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

• 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

The University of Iowa

• Insurance Plans– Student Health Insurance Plan (SHIP)– UIGRADCare– Dental Insurance

SHIP Coverage

• Undergraduate and graduate students

• $130 per month for single coverage • $135 per month starting 9/1/14

• Care through Alliance Select providers

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

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 deductible10% of $2,700 = $270Your total cost: $570

SHIP Coverage

• Prescription coverage: 3 Levels– Generic Drugs

25%

– Name brand formulary drugs30%

– Name brand nonformulary drugs50%

SHIP Coverage

• Exclusions (services not covered)– Routine eye and hearing exam– Glasses– Dental care (accidents only)

• No lifetime maximum on policy

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

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

UIGRADCare Coverage

• Office visits, eye/hearing exam, immunizations– $10 co-pay

• Annual physicals– Free

• Coinsurance– 10%: imaging and lab, hospitalization after $125 daily

deductibleExample: 2 day hospital stay = $3,000

You pay: $125 x 2 = $250 and 10% of $2,750 = $275Your total cost: $525

UIGRADCare Coverage

• Prescriptions– $7 or 25%, whichever is greater

• Mental Health– Participating providers list (http://www.wellmark.com)– Providers under Blue Access- mental health only

$10 co-pay for participating providers 50% coinsurance for non-participating providers

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

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

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

Graduate Assistants & Fellows

Assistantship of at least 25% timeFellowship 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.

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.

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)

• 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.

Changes During the Year

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

Forms

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

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