An Equal Opportunity University UK Student Health Insurance Plan (SHIP) Emily Duncan Administrator, SHIP Office

An Equal Opportunity University Health care in the United States Amazing! Complicated! Expensive! Your responsibility to understand!

An Equal Opportunity University Take away How do I get SHIP? How do I use SHIP?

An Equal Opportunity University Eligibility and Enrollment

An Equal Opportunity University Who can have SHIP?

An Equal Opportunity University 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

An Equal Opportunity University 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.

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

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

An Equal Opportunity University 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

An Equal Opportunity University Plan Structure

An Equal Opportunity University Plan Highlights

An Equal Opportunity University 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

An Equal Opportunity University 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

An Equal Opportunity University Using the Plan

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

An Equal Opportunity University My Account UnitedHealthcare/StudentResources “My Account” – from System includes: –ID Cards –Claim letters –EOB statements

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

An Equal Opportunity University uky.myahpcare.com Read the certificate brochure Find network providers

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

An Equal Opportunity University Recap Watch for an from to get ID card through My 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

An Equal Opportunity University CHEESE! uky.myahpcare.com Academic HealthPlans (AHP) Enrollment/Waivers UnitedHealthcare/StudentResources (UHCSR) Benefits/Claims Watch for “My Account” invitation from UK SHIP Office –Open office hours Wednesdays 1:00-3: 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)