USING YOUR EMU
STUDENT INSURANCE PLAN
Health Insurance
What is health insurance?

Health insurance provides protection against the risk of
financial loss resulting from an insured person’s sickness,
accidental injury or disability.
Are you required to have it?

Yes, immigration and university regulations require F & J visa holders
to have sufficient coverage.
Health Insurance
Why is health insurance important?


The United States offers superior health care, but it’s the most
expensive in the world. Should an accident or illness occur and you’re
not covered the financial burden can be overwhelming.
Health insurance protects you from these high costs and ensures the
best care by providing coverage for specific health care services.
EMU’s Student Health Insurance

Policy Coverage

Injury and Sickness Policy
 Health benefits coverage up to $100,000 per Injury
or Sickness


Surgery is covered as long as it is a result of an
accident or illness
Does not include dental and vision coverage unless
care is related to an accident or illness.
EMU’s Student Health Insurance
Primary Care Provider
 Clinicians at University Health Services (Snow Health
Center) are your primary provider(s)
 Medical appointments, lab work, prescriptions
 You must come to our facility if you are within 50miles.
 If a referral is desired you must get this from a clinician at
University Health Services before seeing a specialist.

In-Network Providers
 United Health Care: Snow Health Center
 Cofinity Network (in Michigan): St. Joseph Mercy
Hospital (Ypsilanti, Livingston and Saline)
 Private Healthcare Systems (PHCS) if you are outside of
the state.
https://www.uhcsr.com/
EMU’s Student Health Insurance
In-Network Costs

You pay a $100 deductible, plus 20% of the total bill
 The maximum out-of-pocket coinsurance you would pay is
$2,500 (per policy year).
 United Healthcare will pay everything else up to $100,000 (per injury or
sickness).
Out-of-Network Costs

You pay a $100 deductible, plus 30% of the total bill
 The maximum out-of-pocket coinsurance you would pay is
$10,000 (per policy year).
 United Healthcare will pay the remaining bill up to a maximum benefit of
$100,000 (per injury or sickness).
EMU’s Student Health Insurance
Urgent Care


A facility dedicated to the delivery of medical care
outside of a hospital emergency department
Primarily used to treat patients who have an injury or
illness that requires immediate care but is not serious
enough to warrant a visit to an emergency room
Emergency Room

Part of the hospital providing rapid treatment to victims
of sudden illness or trauma.
EMU’s Student Health Insurance
Referrals
 You must obtain a referral from UHS before seeking outside care.
 Expenses incurred for medical treatment rendered outside of Snow
Health Center for which no prior approval or referral is obtained are
excluded from coverage.
 A SHC referral for outside care is not necessary only under the
following conditions (though you must follow-up with SHC):
 Medical emergency
 You must return to SHC for follow-up
 When Snow Health Center is closed
 Weekends, during break or vacation periods
 Medical care is obtained at a clinic or office that is more than 50 miles
from campus
 Maternity; or
 Mental Illness Treatment
EMU’s Student Health Insurance
Doctor Visit and
Lab work
Receiving care at Snow
We do the paperwork!
Receiving care
outside of Snow
$10 co-pay
You pay $100 deductible
Insurance covers a percentage of the
remaining balance;
80% if you were seen in network or
70% if you were seen out of network
$10 – $20 co-pay
Prescriptions
Mental Health
*Most generic forms of birth control
are covered at no cost.
$10 co-pay
(first visit is $15)
You pay full price and send in for
reimbursement. Reimbursement is 50%, for
a maximum of $100
You submit for reimbursement
To receive care outside of Snow a referral is required prior to the visit unless it is an
emergency.
EMU’s Student Health Insurance
Preventative Care

When performed at Snow Health Center, the policy will provide
Preventative Care for FREE
 General Wellness Exam: physical exam and various screening or lab
test depending on age, family history and health history.
 Women’s Gynecological Exam: breast and pelvic exam, pap test, some
STI testing
Scenario #1:


It is Wednesday morning and you wake up still not
feeling better. You have had a sore throat and cough
for two days that just won’t seem to go away.
What do you do?
Being Seen at the Snow Health Center



Appointments are preferred, but Walk-Ins are
welcome.
Typically can get an appointment the same day or
within 24hrs.
Types of Services we provide include:
 Coughs and colds to sprained ankles and mole removals
 Allergy shots, immunizations, flu shots
 Women’s health care
Visiting a Doctor




Ask your doctor questions and listen for clear
answers.
Know what prescriptions you are taking, when to
take them and what not to mix with them.
Make certain that you understand your doctor’s
responses. Take notes, if necessary.
Keep a log or diary of symptoms, concerns or
unusual problems that occur.
Ease of Access

Accept various forms of payment including:
 Billing to student’s tuition account for actively enrolled
students
 Cash, personal checks or credit cards
Scenario #2:


It is a Saturday afternoon and you decided to take a
bike ride. While out having a good time you hit a
bump on the path and fall off your bike. You land on
your ankle and can tell its broken.
What do you do?
EMU’s Student Health Insurance
Is it an Emergency?


In a life-threatening emergency, seek immediate attention by calling
911 or going to the Emergency Room at your nearest hospital.
Some examples include:
•Choking
•Seizures or convulsions
•Not breathing
•Numbness or paralysis of
an arm, leg or one side
of the body
•Suspected poisoning
or overdose
•Severe injuries, such as
suspected broken bones,
head injuries or heavy
bleeding
•A sudden, severe
headache, especially if
there is neck pain or a
change in consciousness.
•Domestic violence or
rape
•A change in mental
ability, such as not
knowing where you are or
being unable to
recognize familiar people
Scenario #3:


It is the weekend and the health center is closed. You
have a fever and have been vomiting for several
hours.
What do you do?
EMU’s Student Health Insurance

Call our Hotline to speak with a Registered
Nurse 24 hours a day, 7 days a week @
1-877-643-5130
 They will discuss options
 They cannot speak to what is or is not covered
under the policy.

If it is a non-emergency and we are closed, but
you feel you need to be seen it is best to go to
an Urgent Care Facility.
Important Contact Information:
Student Insurance Office: 734.487.3048
 University Health Services (UHS): 734.487.1122
 Nurse Hotline: 1.877.643.5130
 United Health Care: 1.800.767.0700
------------------------------------------------------------------------ UHS: www.emich.edu/uhs
 United Health Care: www.uhcsr.com
 Cofinity: https://www.cofinity.net/cofinity/Index.aspx
 PHCS: http://www.phcs.com/

EMU’s Student Health Insurance
Billing for Student Insurance:

When registering for Winter semester a charge of $930 was
automatically placed on your bill. This covers the Winter and Summer
semesters.
 If you are graduating at the end of the Winter semester and you no
longer wish to have coverage you will need to bring your I-20 or DS-2019
to the Student Insurance. We will remover the Summer charge of $465.
Any Questions?