University of Nebraska Student Health Insurance Project
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Health Dental Prescription University Health Center Presentation Objectives After attending this presentation, we want you to feel more comfortable explaining the following to students: The benefits of StudentBlue, especially when students use the University Health Center How enrollment and billing work How students can confirm enrollment to get their insurance card OR how they can waive coverage About StudentBlue Administered by Blue Cross and Blue Shield of Nebraska Includes health, dental and prescription coverage for 1 low rate Enrollment and waivers are managed by Ascension Benefits & Insurance Solutions Automatic Enrollment & Billing International students and graduate assistants are automatically enrolled Any other UNL student can voluntarily enroll on MyRed (enrolled for 3 or more credit hours) UNL Student Accounts automatically bills the premium to students’ accounts Dependent Coverage Graduate Assistants can purchase dependent coverage at a very reasonable rate Dependents must re-enroll for each coverage period Coverage Periods Fall Semester August 14, 2015 to December 31, 2015 Spring/Summer January 1, 2016 to July 31, 2016 Premium Costs Premiums Policy Year Total Fall Coverage Period Spring/Summer Coverage Period Student $ 1,829.48 $ 763.95 $ 1,065.53 Spouse/Domestic Partner $ 1,920.08 $ 801.70 $ 1,118.38 Each Child $ 1,377.20 $ 575.50 $ 801.70 Includes $10 admin fee per coverage period Graduate Assistant Rates Graduate Assistant Portion – 21% UNL Portion – 79% Policy Year Total Fall Coverage Period Spring/Summer Coverage Period $ 384.19 $ 160.43 $ 223.76 $ 1,445.29 $ 603.52 $ 841.77 Health Benefit Summary Benefits are maximized at the University Health Center Unlimited policy year maximum No deductible, coinsurance or copays Insurance pays 100% of covered services, including: University pre-enrollment health requirement immunizations & tests Medical procedures Annual exams Visits with medical specialists - Referrals are not needed Annual optometry exam and refraction Laboratory tests X-rays Physical therapy Counseling and psychological services Health Benefit Summary In-network provider outside of the University Health Center $500 deductible 80% / 20% coinsurance $2,500 maximum out-of-pocket expenses Includes deductible, coinsurance and copays Prescription Benefit Summary Benefits are maximized at the University Health Center Pharmacy Unlimited policy year maximum $5 copay for generic drugs $30 copay for brand name drugs Dental Benefit Summary Benefits are maximized at the University Health Center Dental Office $1,000 policy year maximum Two dental check-ups and cleanings are 100% covered Other covered services – No deductibles, but coinsurance does apply Plan Enrollment Through September 15 Graduate Assistants Automatically billed through UNL Student Accounts International Students Automatically billed through UNL Student Accounts Domestic Voluntaries UNL Student Accounts via the MyRED student portal Visiting Scholars Ascension Benefits & Insurance Solutions website Dependents Ascension Benefits & Insurance Solutions website Plan Enrollment After September 15 Graduate Assistants Automatically billed through UNL Student Accounts International Students Automatically billed through UNL Student Accounts or selfenrolled through Ascension Domestic Voluntaries Ascension Benefits & Insurance Solutions website Visiting Scholars Ascension Benefits & Insurance Solutions website Dependents Ascension Benefits & Insurance Solutions website Confirming Enrollment & Insurance Cards Though international students and graduate assistants are automatically enrolled and charged for Studentblue, In order to expedite mailing of their insurance card, they must confirm enrollment in StudentBlue via MyRed They MUST have their current local mailing address in MyRed If they do not confirm enrollment, their card will be mailed midSeptember How to Confirm Enrollment Waiving Coverage International Students International Students with qualified plans that offer equivalent coverage may apply for a waiver Equivalent health insurance benefits must include: • Unlimited medical benefits • A policy year deductible no greater than $500 • Medical evacuation and repatriation benefits that match the coverage provided University students through Ascension • Coverage for each semester when enrolled in class Waiving Coverage Graduate Assistants Proof of equivalent health insurance benefits under another insurance plan is not required for noninternational graduate assistants How to Waive Coverage Important Information About Waivers The insurance charge is non-refundable if they do not complete the waiver process by September 11, 2015 After a student submits a wavier, The waiver process is automatically completed The insurance charge is credited to their UNL student account Waiver applications must be completed for each coverage period Students will be sent a reminder to either confirm or waive coverage for the Spring/Summer 2016 coverage period Insurance 101 Workshops for Students Information and Q&A Sessions for Students Tuesday, Sept. 1 6pm East Campus Union Wednesday, Sept. 2 5:30pm University Health Center Thursday, Sept. 3 5:30pm University Health Center Students enrolled in StudentBlue will receive email invitations University Health Center Contacts Cindi Pickinpaugh Kaye Mankhey 402-472-7435 studentinsurance@unl.edu Additional contact information is on the flier Website Links to plan information from Blue Cross Blue Shield and the Ascension website can be found at: health.unl.edu/studentblue Questions?
