UK Student Health Insurance Plan (SHIP) Emily Duncan Administrator, SHIP Office

Eligibility and Enrollment

Who can have SHIP?

Funded Graduate Students Each semester students must be: Enrolled in the Graduate School (professional students do not qualify) Degree-seeking In UK payroll with an assignment as a full-time TA, RA, GA (20 hrs. per week), or qualifying institutional fellowship recipient Automatic enrollment No cost to student

International Students Insurance is mandatory for international students on F1, J1, or J2 visas. Automatically enrolled, cost is automatically applied to your student tuition bill The charge for fall 2015 semester is $823. The charge for spring/summer 2016 will be $1,343.

Funded international students SHIP Office processes eligibility, the premium is paid by the Graduate School Funding Office (Judy Nave). Allow one month for processing

International “waivers” Outside plan from government sponsor or employer may apply to “waive,” or cancel, SHIP online via uky.myahpcare.com. Waiver application deadlines apply. 9/22/15 for fall 2/22/16 for spring/summer

Voluntary Purchase Graduate students enrolled in any number of credit hours Undergrads enrolled in at least 6 credit hours $2,166 for 12 months of coverage Any participating student can enroll dependents

Plan Structure

Deductible “Deductible” is the amount you pay before your insurance will pay their portion. Who pays first? $0 at UHS Providers $100 at UK Providers $500 at United Providers $1,000 at Out-of-Network Providers

Coinsurance “Coinsurance” is the percentage of medical expenses you pay. 0 % at UHS! 20% at UK Providers 35% at United Providers 50% at Out-of-Network

Using the Plan

When does coverage begin? Coverage begins August 15th The insurance year is broken into two parts: Fall 8/15/15-12/31/15 Spring/Summer 1/1/16-8/14/16

My Account UnitedHealthcare/StudentResources “My Account” Email from notifications@uhcsr.com System includes: ID Cards Claim letters EOB statements

Not a golden ticket… Limitations and exclusions Using the Emergency Room Beware of “helpful” advice

uky.myahpcare.com Read the certificate brochure Find network providers

Huh? Refer to your Certificate Brochure Call for help: AHP customer service agents for enrollment questions UnitedHealthcare/StudentResources for claims/benefits Contact SHIP Office Wednesdays @ Graduate School 1:00-3:00

Recap Watch for an email from notifications@uhcsr.com to get ID card through My Account UK’s physicians and pharmacies will save you money SHIP is not a golden ticket, know how to locate your resources Ask questions as preparation instead of panic

CHEESE! uky.myahpcare.com Academic HealthPlans (AHP) 1-855-856-2385 Enrollment/Waivers UnitedHealthcare/StudentResources (UHCSR) 1-866-907-6342 Benefits/Claims Watch for “My Account” invitation from notifications@uhcsr.com UK SHIP Office studentinsurance@uky.edu Open office hours Wednesdays 1:00-3:00 104 Gillis Building Enrollment deadlines for voluntary and dependents (9/15/15 & 1/31/16) Waiver deadlines for international students with other plan (9/22/15 & 2/22/16)