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20142015 Health Insurance Orientation

Student Health and Counseling Services

Presenters:

Karla Abrantes
Coordinator, Student Health & Counseling
Immunization
Student Health Insurance Plan
Fred B. Hollick, Jr.
Vice President of National Sales & Marketing
Student Resources United Healthcare

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Services offered by Student Health and Counseling


1. Licensed therapists and a part-time psychiatrist who
provide short-term psychotherapy for a variety of mental
health issues.
2. A registered nurse is available for health education and
suggestions for additional health resources (e.g. locating
medical services off campus, understanding the different
types of health care professionals, questions on illnesses,
womens health, mens health, sexual health, etc.).
3. General assistance with the student injury and sickness
insurance plan.
Appointments are necessary for all visits. Students can
call or visit the office to make an appointment.
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Services offered by Student Health and Counseling

IMPORTANT:
Services provided by our office are free and confidential.

Students can take advantage of our services whether they are


enrolled in the SVA student insurance plan, or maintain insurance
coverage on their own.
Medical services are NOT available on-site:

Students needing medical attention should seek assistance


from a doctor or hospital.

Students do not need to visit the office for referrals before


visiting a doctor or hospital.

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For emergencies, please dial 911 and contact Security.

SVA-Sponsored Health Insurance


Students are automatically enrolled in the 2014-2015
UnitedHealthcare StudentResources Injury and Sickness
Insurance Plan
Dental or Vision coverage not available except for pediatric dental
and vision (students 18 yrs & younger). Please see Brochure for
details at, www.sva.edu/uhp

$1,035 per semester; Deductible $100; Physician Visit Copay $10


Fall Coverage - August 25, 2014 until January 7, 2015
Spring Coverage - January 8, 2015 until August 24, 2015

Please review the Insurance Tab on sva.edu/health for important


general information about the insurance plan.
Refer to the United Healthcare Getting Started 2014-15 and the
Summary PDFs at www.sva.edu/health for more information.

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Waiving the Health Insurance Fee


Students are automatically enrolled in the student
insurance plan each semester. However,
students who already have comparable
health insurance coverage coming into SVA,
can waive the per semester Health Insurance
Fee of $1,035, and be removed from enrollment.
An online waiver form must be completed by
the deadline, October 2, 2014, and can be
accessed at www.sva.edu/uhp.
> The waiver form must be completed each year, by each fall
semester. It can also be completed in the spring should a
student miss the fall deadline.
> Bookmark www.sva.edu/health for updates each semester.

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Waiver Form Deadlines


The Fall Waiver Form deadline is
October 2, 2014.

> Completing the waiver form will remove


you from the Insurance Plan and remove
the Health Insurance Fee for both Fall 14
and Spring 15 semesters.
The Spring Waiver Form deadline is
February 12, 2015.
> Should you miss the fall waiver deadline, or now have
your own insurance coverage for the spring, you can
complete the spring waiver form by this date.

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Getting Started with UnitedHealthcare StudentResources


August 2014: First insurance email
sent to students SVA email account.

Email Subject: IMPORTANT Youre Enrollment in United


Healthcare Fall 2014:
Reminder that youre enrolled in the

UnitedHealthcare StudentResources administered plan.


Contains information on creating an online account,
printing out your insurance ID card, reviewing the benefits,
and finding local doctors.
Reminder to complete online waiver form by the deadline.
If you did not receive this email, please visit us at
www.sva.edu/health and click on the United Healthcare
Getting Started 2014-15 pdf.
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Going Off Campus for Health Care


Since SVA does not provide medical services on campus, you must visit a doctor
off-campus. You have several choices:
Private Doctors and/or Specialists treat non-emergency patients by appointment
during regular office hours, typically 9:00AM until 5:00PM. Some of these doctors
may have weekend hours, but can vary.

Minor Emergency Clinics or Urgent Care do not require appointments and are
usually open on weekends and holidays. You can simply walk in for medical
services. (For example, City MD, NY Doctors Urgent Care, Beth Israel, etc. These
locations can be found online at sva.edu/health under the Downloads section.)
Hospital Emergency Rooms provide serious emergency care. Go to the nearest,
hospital by ambulance if necessary. Hospital emergency rooms are designed to
treat life-threatening ailments. This is typically the most expensive place to
receive care.
If you need to use a medical facility but are uncomfortable with your English skills,
ask a friend who speaks English to go with you. Proper communication is very
important!
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Find a Doctor
www.sva.edu/health

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www.sva.edu/uhp

www.sva.edu/uhp for Plan Information

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School of Visual Arts


20142015 Student Injury and Sickness Insurance Plan

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StudentResources

Points to Consider Prior to Waiving


The SVA Student Injury & Sickness Insurance Plan
includes coverage for preventive care services, has a low
up-front deductible, and a prescription medication plan.
If your current coverage is through an HMO or PPO, local
services in New York City may be limited or may be
charged to you at a higher, non-preferred rate.
Your current insurance plan may only cover urgent or
emergency care outside of their network.
Your current plan may not include coverage worldwide.
The SVA Student Plan provides worldwide coverage and
includes Medical Evacuation and Repatriation.

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Rates

Student

Annual

2nd Semi-Annual

8/25/148/24/15

1/8/158/24/15

$2,070

$1,035

This plan is underwritten by UnitedHealthcare Insurance Company of New York


and is based on Policy #2014-885-1. For a full description of coverage, including
costs, benefits, exclusions, any reductions or limitations and terms under which
the policy may be continued in force, log on to www.sva.edu/uhp.

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Unlimited Maximum Per Insured Person, Per Policy Year
for Covered Medical Expenses.
$100 Deductible Per Insured Person, Per Policy Year.

Whats a deductible?
A deductible is the amount of money you must
pay towards covered medical expenses before the
insurance company pays.

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Covered Medical Expenses for
Preferred Providers are
payable at 90% of Preferred
Allowance and Out-of-Network
benefits are payable at 60% of
Usual and Customary charges
(all benefits are subject to
satisfaction of the deductible,
specific benefit limitations,
maximums, and copays as
described in the policy).

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Benefits

Preferred Providers

Out-of-Network

Hospitalization

90%

60%

Surgery

90%

60%

Outpatient Services

90%

60%

Emergency Room

90%

90%

$10 copay, 100%

$10 deductible, 70%

100%, no cost sharing

No Coverage

$10 copay, 100%

$10 deductible, 100%

Physicians Office Visit


Preventive Care and
Immunizations
Dental Injury (to sound,
natural teeth only)
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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Benefits

Preferred Providers

Out-of-Network

90%

60%

$10 copay, 100%

$10 deductible, 70%

90%

60%

Outpatient Substance
Abuse

$10 copay, 100%

$10 deductible, 70%

Ambulance Expense

100%

100%

Inpatient Mental Health


Outpatient Mental Health
Inpatient Substance
Abuse

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Prescription Drug Benefits: $10 copay for Tier 1;
$20 copay for Tier 2; up to a 31-day supply per
prescription.
Prescriptions must be filled at a UnitedHealthcare
Pharmacy. Mail order at 2.5 times the
retail copay, up to a 90-day supply.

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
The Preferred
Provider Network for
this plan is
UnitedHealthcare
Options PPO.
Preferred Providers
can be found using
the following link:
www.uhcsr.com/sva.

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Region

Providers

Hospitals

Central

221,305

2,133

Northeast

198,494

986

Southeast

136,104

1,243

West

139,344

865

Leased

43,473

373

Total

738,720

5,600

Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
FrontierMEDEX: Global Emergency Services
Domestic students are covered
when theyre 100 miles or more
away from their campus or home
address. International students
are covered worldwide except in
their home country.

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
UnitedHealth Allies
Included with every policy, the UnitedHealth
Allies discount program typically saves
members 550% on many health and
wellness products and services.
Members save on dental and vision care,
fitness club memberships, weight
management programs, smoking cessation,
massage therapy, and much more.

The UnitedHealth Allies Discount Program is administered by HealthAllies, Inc., a discount


medical plan organization. This discount program is not a qualified health plan under the
Affordable Care Act. UnitedHealth Allies discount plan is NOT insurance.
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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Collegiate Assistance Program (CAP)
Nurseline Services Experienced registered nurses can help
with nearly any health or medical concern, 24/7.
Call Toll-Free: 877-643-5130.
Telephonic/Online Counseling Students facing stressful or
emotional issues have 24/7 access to prompt counseling
services.
Innovative Web-based Services Our website for students,
www.liveandworkwell.com, offers a wealth of information on
a full range of topics.
Legal and Financial Services Non-clinical issues such as
mounting credit card debt, divorce, child custody matters,
and shelter from abusive relationships.
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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
My Account
With My Account, available through www.uhcsr.com/sva or
www.sva.edu/uhp, insured students can securely:
Review plan coverage details online
Print an ID card and/or request a replacement ID card
Check claim status and review EOB
(Explanation of Benefits)
Find a Preferred Provider
Update personal information
Contact UHCSR with a question/comment
Access helpful resources and forms
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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Create your secure
My Account page:
From www.sva.edu/uhp, click
on Login to My Account, then
Create Your Online Account.

Type in your first name, last


name, date of birth (as shown)
and for email: your SVA email
account. Click CONTINUE

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
UHCSR Mobile App
With the free UHCSR Mobile App, available at GooglePlay
and Apples AppStore, youll have access to the most
popular self-service features like:
Viewing and sharing your ID card.
You can even email or fax it to your
provider.
Viewing claims received within
the prior 60 days.
Searching for a Preferred Provider.
Accessing your custom My
Account page.
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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Understanding your ID Card

Member ID#
This is the Member
Identification number your
provider will need to confirm
your benefits.

Group Name
This is the Group Identifier
your provider will need to
confirm your benefits.

Plan Name
This is the plan name you
need to provide to physicians
or when online.

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Health Insurance 101
Located at www.uhcsr.com, Health Insurance 101 defines
and clarifies the often confusing world of health insurance
and its jargonfrom an overview of health care to a
glossary of common terms available in English, French,
Spanish, Chinese, Korean, and Arabic.

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Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Submitting a Medical Claim
Providers will typically file claims on your behalf.
You dont need a company claim form to file a claim.

If you receive services from a provider who would like


payment upfront, simply send (within 90 days of sickness
or injury) all medical and hospital bills,
Send claims to:
along with the patients name, address,
UnitedHealthcare
social security number, or school ID
StudentResources
PO Box 809025
number to this address.
If you prefer to fax your claim, the
number is 469-229-5510.
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Dallas, TX
75380-9025

Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group

Plan/Benefit Highlights
Submitting a Prescription Claim
Visit www.uhcsr.com and click on Helpful Resources and
Forms.
Under FORMS, Click on the Prescription Reimbursement
Request Form.
Keep all receipts and send with request
form.
Make note of the different claim address

Send claims to:


OptumRx Claims
Department, P.O.
Box 29044, Hot
Springs AR 71903

Getting Started with UnitedHealthcare StudentResources


Review United Healthcare Getting Started
2014-15 PDF
www.sva.edu/health

Take time to review the information


on www.sva.edu/uhp,
including the Brochure

Familiarize yourself
with the benefits and
discount programs

Familiarize yourself with


how to find health care
providers (doctors),
Medical & Mental Health

Create an Online Account (through your


secure My Account page) by
going to www.sva.edu/uhp

Print out your insurance ID


card immediately and carry
it with you at ALL TIMES
OR
Download the UHCSR app
to your iPhone or Android
phone

notifications@uhcsr.com
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Use your account to


review benefits statements
AND add
notifications@uhcsr.com
to your SVA email contacts
to receive important emails
from United Healthcare

Quiz Time
How do you obtain your Insurance ID card?
Can you see a doctor who is out of the network?
Where can you find information on insurance benefits and/or
creating an online account?
Where can you find the UnitedHealthcare pdfs containing
information on getting started with the student insurance?
What are some ways you can locate a doctor?
If youre feeling sick, what are some of the steps you should take?
What type of services can SH&CS offer students?

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Quiz Time
What is your co-pay cost?
Do you need to contact SH&CS first before going to the doctor or
hospital?
How will you be able to receive your insurance statements and
view the information concerning your account?

When should you carry your Insurance ID Card?


What email account should you be checking for notifications from
Student Health Services and United Healthcare?

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Questions?

UnitedHealthcare StudentResources
Phone: 800-767-0700
Email: customerservice@uhcsr.com
Student Health & Counseling Services
Phone: 212-592-2246
Email: health@sva.edu
www.sva.edu/health
www.sva.edu/uhp
Fall Hours: MondayFriday, 9:00AM5:00PM
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