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

2. 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)

3. 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.

4. 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.

5. 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

6. 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!!!

7. 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 for off-campus doctors or specialists

8. 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

9. 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.

10. 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

11. 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

12. 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

13. 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)

14. Insurance Card
ed to your UNCG address listed in UNCGenie (please make sure you check your )
UNCGenie is the university’s database and can be accessed from the website at
For any address/ 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 .

15. 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:
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.

16. 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.

17. 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.

18. 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

19. 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

20. 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!

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

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