English Language Center HEALTH INSURANCE English Language Center

Health Insurance Policy All students must have valid health insurance for the entire term. If you do not have insurance through a sponsoring agency, you must purchase health insurance from Drexel University Health Insurance Cards Students will receive their health insurance cards during orientation.

NEED FOR HEALTH INSURANCE US does not have a national health insurance program Individuals and families in the US are responsible for these costs themselves Beginning in 2014, it became a law that you must have health insurance Students at the ELC must obtain health insurance to be protected against any potentially expensive healthcare costs Health services in the US can be extremely expensive without insurance coverage Without health insurance, you will be treated in an emergency, but other care may be denied

COST| 4 Health care in the US can be very expensive if you do not have insurance. From http://www.moneymisfit.com/cost-emergency-appendectomy-without-insurance/

HEALTH INSURANCE| 5 ALL Drexel students, including ELC students MUST have health insurance. This is how the university protects itself and YOU from disease outbreaks and other health crises. ALL ELC students must the health insurance policy arranged by Drexel LEC or government sponsor. IF you do not keep your health care, you will not be able to continue as a student at Drexel.

PLAN OVERVIEW Unlimited Coverage per injury or sickness Covered 100% In-Network Covered 80% Out-of-Network You pay $100 deductible Deductible is waived if you are referred by the Drexel Health Center Hospital Pay $200 copayment

WHAT IS COVERED? Dental Plan covers dental injury PLAN OVERVIEW| 7 WHAT IS COVERED? Dental Plan covers dental injury & alleviation of dental pain up to $150 per tooth. $300 per policy year Vision Injury Only. No benefits for routine vision care Prescription $25 generic $40 brand name $50 non-formulary (specialty) Routine Physical Examinations Covered Pregnancy Maternity is covered Motor Vehicle Accidents Injury is covered if you are licensed to drive the vehicle

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WHAT IS AN “IN-NETWORK DOCTOR”? PLAN OVERVIEW| 11 WHAT IS AN “IN-NETWORK DOCTOR”? The “network” is the group of doctors and hospitals that work with an insurance plan. An In-Network Provider is a doctor, hospital, or other medical provider who will accept this health insurance plan as payment When you go to an In-Network Provider, the insurance plan covers 100%

HOW TO FIND AN IN-NETWORK DOCTOR? PLAN OVERVIEW| 12 HOW TO FIND AN IN-NETWORK DOCTOR? Go to: www.phcs.com On the home page, under “Select your Network”, click on “PHCS Network” Then choose a provider type, click “Doctor” or “Facility” Under “Location”, enter search radius (for example, 5 miles) Enter Zip Code (19104) Enter “Type of Doctor”, Choose specialty from drop-down menus Click “Continue” The website will help you find a physician or hospital. You can find detailed information about In-Network Doctors, even what languages they speak. If you have questions, call The Harbour Group at 1-800-252-8160.

WHAT IS NOT COVERED? Policy Exclusions Include: Routine vision care PLAN OVERVIEW| 13 WHAT IS NOT COVERED? Policy Exclusions Include: Routine vision care Routine dental care Elective treatments Cosmetic procedures For a complete list of what is not covered, read the exclusions in the Drexel ELC Student Insurance brochure.

DREXEL STUDENT HEALTH CENTER Located in the University City Science Center building at: 3401 Market Street, Suite 105B The entrance is on 34th Street across from the Recreation Center

DREXEL STUDENT HEALTH CENTER Phone: (215) 220-4700 Visits are by appointment Monday: 8:30 a.m. - 5 p.m. Tuesday: 10:30 a.m. - 7 p.m. Wednesday: 8:30 a.m. - 5 p.m. Thursday: 10:30 a.m. - 7 p.m. Friday: 8:30 a.m. - 5 p.m.

MINUTE CLINIC Available at some CVS Drug Stores. Quick and convenient. For minor medical conditions. Nurses and Physicians Assistants diagnose and treat common illnesses and minor injuries. 25 locations in Philadelphia metro area (mostly suburban). See list at www.minuteclinic.com

HOW TO STAY HEALTHY IN THE US STAYING HEALTHY| 17 HOW TO STAY HEALTHY IN THE US Get enough sleep Eat healthy foods Drink a lot of liquids Wash your hands Know the symptoms of the flu: high fever, fatigue, coughing

EAT HEALTHY / STAY HEALTHY STAYING HEALTHY| 18 EAT HEALTHY / STAY HEALTHY 2121 Market St Philadelphia, PA 19103 215-569-9282 929 South St Philadelphia  PA 19147 215-733-9788

SPONSORED STUDENT HEALTH INSURANCE SPONSORED HEALTH INSURANCE| 19 SPONSORED STUDENT HEALTH INSURANCE SACM United Healthcare Phone: (866) 808-8461 SACMCustomerService@uhcsr.com EMBASSY OF KUWAIT Kuwait Health Office Phone: (202) 686-4304 Contact: Marybeth Byrdy – Student Health Advisor Email: mbyrdy@kwtembassy.org

RECOMMENDATIONS| 20 RECOMMENDATIONS Keep you health insurance cards with you! Keep them in your wallet or with you at all times! Non-emergency Go to Drexel Student Health Center first! Emergency rooms/hospitals can be expensive!

QUESTIONS| 21 QUESTIONS? If you any questions about the Drexel ELC Health Insurance policy, contact The Harbour Group: By Phone: 1-800-252-8160 Or E-mail: info@hginsurance.com Contact Drexel ELC: Phone: (215) 895-2022 E-mail: elc@drexel.edu