For International Students on F-1 or J-1 Visas HTH Health Insurance For International Students on F-1 or J-1 Visas

Insurance Requirements The purchase of the HTH health insurance coverage is mandatory for all UNCG international students on an F-1 or J-1 visa Exceptions: Students on a Fulbright or government sponsored program and students on exchange through ISEP Do not confuse the HTH health insurance premium with the Student Health Fee (applied to all UNCG degree student accounts registered 9 hours or more)

Student Health Fee Gives you access to the services of the UNCG Student Health Center (SHC) Graduate degree-seeking students registered for less than 9 hours will have to request the Student Health Fee At the beginning of each semester Request from the Cashier’s Office Pay the student health fee at time of request *Please note the SHC acronym as it is used repeatedly throughout this presentation.

Health Insurance Charges Fall Semester Coverage: August 1 - December 31 Spring/Summer Semester Coverage: January 1- July 31 NO FORMS TO FILL OUT Registered full time (Exception: Degree student’s last semester) Insurance premium is charged to UNCG student accounts twice a year in the fall & spring/summer Fall semester insurance premium: $300 Spring & Summer semester insurance premium: $420 This is a source of confusion for MANY students. Please pay special attention to the Spring/Summer charges & be sure to note that Spring/Summer coverage is through July 31 and the premium is higher because they are covered through the end of the summer. We require definitive proof that the student/scholar is leaving early in January to waive the summer charges.

UNCG Student Insurance for Citizens & Permanent Residents Do not confuse HTH insurance with UNCG’s domestic student insurance provider (currently Pearce & Pearce, Inc.) This insurance is only for domestic UNCG students who are either US citizens or permanent residents

Locations for Health Care First Choice: Student Health Center (SHC) - for sickness or a minor injury The HTH insurance policy waives the $100 co-pay for services provided by SHC Second Choice: Urgent Care Centers - for sickness or a minor injury when SHC is closed Use the internet/phone book for the nearest Urgent Care Center) You must ask for your receipt!!!

Locations for Health Care For life threatening emergency: Call 911 or go directly to the nearest hospital Student Health Center may refer you to off campus doctors or specialists Please check HTH’s Preferred Provider list at http://www.hygeia.net/customer_tools/customers/hthstudents/main.asp for off-campus doctors or specialists

Additional Information You will not be penalized if you use a doctor or specialist not on the preferred provider list Using doctors from the preferred provider list keeps your costs lower There is no need to consult with the Student Health Center (SHC), if severe health risk is at stake While traveling - go to the nearest emergency hospital

Health Insurance Coverage HTH health insurance policy’s co-pay is $100 per sickness or injury (co-pay is waived for services provided only by the SHC Covered expenses will be paid after the co-pay is satisfied Please be sure to explain deductible to the students.

How Does HTH Pay? Basic Medical Expense Benefit: HTH pays up to $10,000 Maximum: 100% of Reasonable Expenses after Co-pay Supplemental Major Medical Expense Benefit (SMM): After Basic Medical Expense Benefit Maximum has been reached, 80% of Reasonable Expenses will be paid up to an additional 40,000 Maximum

How Does HTH Pay? Catastrophic Major Medical Expense Benefit (CMM): After both Basic & Supplemental Benefit Maximums have been reached, 100% Reasonable Expenses up to an additional $100,000 Maximum will be paid Accidental Death & Dismemberment Repatriation & Medical Evacuation

How Does HTH Pay? Example 1: You have gone to the nearest hospital for an emergency and your final bill is $1,500 You must pay the co-pay: $100 ($1,500 - $100 = $1,400) Insurance will pay the remaining $1,400 (100% X $1,400) up to the first $10,000 This is called the Basic Medical Expense Benefit

How Does HTH Pay? Example 2: If you received a hospital bill for $12,000: You would first pay the $100 co-pay ($12,000 - $100 = $11,900) $11,900 - $10,000 (insurance pays100% up to the first $10,000) = $1,900 $1,900 X 80% = $1,520 ($1,900 - $1,520 = $380) Insurance pays 80% after $10,000 Your final total payment would be $480 ($100(co-pay) + $380 = $480)

Insurance Card Emailed to your UNCG email address listed in UNCGenie (please make sure you check your email) UNCGenie is the university’s database and can be accessed from the website at www.uncg.edu For any address/email address changes during your studies, please update UNCGenie immediately For the Fall 2008 semester only: Please inform the students that due to HTH’s new system, some of them received their packet and card in the mail, while others received them by email.

Insurance Card Your insurance ID card provides you with a Certificate number You will need this Certificate number to file a claim or to access HTH’s student website HTH website: www.hthstudents.com Please register at this website upon receiving your HTH insurance card Please express the importance of registering on the website. This is where we will refer them for most of their needs.

HTH Website: www.hthstudents.com HTH’s student website provides: Claim forms Local Doctors or hospitals Status of a claim (EOB-evaluation of benefits) Translation of Medical Terms Please refer to sheet in handout with homepage on the front and “How to…” user’s guide on the back for supplemental instructions on using these features of the website.

Filing A Claim from SHC You will need to request a receipt! Complete claim forms (HTH website or from IPC) Fill out the claim forms immediately (there is a separate claim form for prescriptions) BE SURE TO CHECK THE BOX THAT SAYS PAY PROVIDER DIRECTLY – this will keep you from having to pay anything other than your co-pay Attach a copy of the receipt(s) of payment to the claim form (please include your student ID number on the receipt) This is the best time to explain, in detail, the importance of attaining the receipt of payment. Please make sure they understand that they must ask for the receipt and that they will not be reimbursed without proof of payment.

Filing A Claim from SHC Put your Certificate number on the claim form Please follow instructions carefully & do not forget to sign Mail to the address given on the back of the claim form (top right on Prescription Claim Form) Keep a copy of your claim form and keep receipts Usually takes about 4-6 weeks to process your claim

Withdrawal or Transferring Fall Semester – you must notify IPC by September 8th. Spring Semester – you must notify IPC by January 29th. Failure to notify IPC of your withdrawal or transfer by this deadline, may jeopardize any chances of reimbursement

REMEMBER: First: Use the Student Health Center (SHC) Please remember to take a receipt. Then: If SHC is closed and your condition is not life threatening – go to the nearest Urgent Care Center If condition is life threatening: Call 911 or go to the nearest Hospital!

HTH Insurance Card ALWAYS KEEP YOUR HTH INSURANCE CARD & IDENTIFICATION WITH YOU AT ALL TIMES!

IPC wishes each student: A safe and healthy experience at UNCG!!