9 SHIP Coverage Exclusions (services not covered) Routine eye and hearing examGlassesDental care (accidents only)No lifetime maximum on policy
10 UIGRADCare Coverage Only available for $242 per month single coverage Graduate studentsStudents in health sciencesPrimary care through Student Health Service, UIHC Clinics, and Community Medical Service ClinicsFamily members receive care through the UIHC and Community Medical Service Clinics$242 per month single coverage$247 per month starting 9/1/14
11 UIGRADCare Coverage Office visits to physicians Hospitalization SurgeryImaging and laboratory testsAnnual physicalsAnnual vision and hearing examsPrescription drugsMental health and chemical dependency careRepatriation
12 UIGRADCare Coverage Office visits, eye/hearing exam, immunizations $10 co-payAnnual physicalsFreeCoinsurance10%: imaging and lab, hospitalization after $125 daily deductibleExample: 2 day hospital stay = $3,000You pay: $125 x 2 = $250 and 10% of $2,750 = $275Your total cost: $525
13 UIGRADCare Coverage Prescriptions Mental Health $7 or 25%, whichever is greaterMental HealthParticipating providers list (Providers under Blue Access- mental health only$10 co-pay for participating providers50% coinsurance for non-participating providers
14 UIGRADCare Coverage Out-of-Pocket Maximum (OPM) Prescription OPM $1,200 Single$1,800 FamilyPrescription OPMNo lifetime maximum on policy
15 Dental Insurance Delta Dental of Iowa Participating: File claims and accept payment arrangements.Non-participating: Claims settled directly with you and you are responsible for paying provider.$21 per month for single coverage$25 per month for single starting 9/1/14
16 Dental Insurance Plan Diagnostic and preventive services Cleaning, oral evaluation, imaging, etc.No costRestorative servicesCavity repair, tooth extraction, root canals, etc.$25 deductible/per person + 20%High cost restorationsCrowns, inlays, dentures, and bridges$25 deductible/per person + 50%Maximum of $1,000 per individual per year
17 Graduate Assistants & Fellows University contributes toward cost of policiesIf you and your spouse both have assistantships, you will need to indicate that on your Employed Grad application form.Application forms are required. It is NOT automatic.Assistantship of at least 25% timeFellowship of at least $ per year
18 Graduate Assistants & Fellows Benefits begin on the first day of the month following the first day of work AND completion of enrollment form.Premiums will be deducted from your paycheck.June paycheck will pay for three premiums – triple dip.
19 Application ProcessComplete application during open enrollment period (Aug 1- Sep 5, 2014) if you are:Enrolling in UIGRADCare or SHIPEnrolling in dental insuranceAdding family members (this will increase your premiums)
20 Changes During the Year Changes can only be madeDuring Open EnrollmentWithin 30 days of an eventMarriageDivorceBirth (60 days)Arrival in U.S.Spouse beginning or ending jobChanges take effect the 1st of the month following the event, except for birth.
21 Identification Cards Present card when visiting physician or hospital Phone numbers listed on cardPre-certification for hospitalizationCustomer Service (claims questions)Contact the Benefits OfficeCorrections of names or birth datesNew cardsName Member NumberName Member Number
22 Forms Booklets available and Coverage Manuals University Benefits OfficeOn-line at:
23 Thank you for your attention. Welcome to The University of Iowa!