AUBURN UNIVERSITY GRADUATE STUDENT INJURY AND SICKNESS INSURANCE ESSENTIAL COMPONENTS OF YOUR INSURANCE PLAN Deborah Bledsoe August 2011

WHO IS YOUR HEALTH INSURANCE TEAM? ► Insurance coordinator Deborah Bledsoe ► OIE & Graduate School ► United Health Care (UHC)

WHAT DOES YOUR INSURANCE COORDINATOR DO? -- enrolls you with UHC -- explains benefits and responsibilities -- issues with United Health Care

HOW DO YOU PAY FOR YOUR INSURANCE? Your insurance charge is automatically put on your Bursar bill.

WHEN DOES COVERAGE BEGIN? -- You are automatically enrolled each term if you have an assistantship. The insurance starts with the beginning of each term. -- You will receive your insurance card in 10 to 14 days

WAIVERS If you have an assistantship and you have other health coverage you may waive out of the insurance. The waiver form and instructions on how to waive out of the insurance is on the graduate website. All waivers must be turned by the 15 th day of class.

WHAT IS THE PROCEDURE IF YOU ARE SICK? You must go to the Auburn University Medical Clinic (AUMC) first!! Referrals from the AUMC are required!! (p. 3)

WHEN DO I NOT GO TO THE AUMC? -- Medical emergency -- AUMC is closed -- Break or vacation periods -- More than 50 miles from AU

WHERE DO I GO WHEN THE AUMC IS CLOSED? -- Auburn Urgent Care -- Emergency room

WHAT WILL MY INSURANCE PLAN PAY FOR ?? What are my “benefits?” -- Most medical expenses -- Maximum $250,000 for each sickness or injury -- Most expenses at 100% with PREFERRED PROVIDERS

WHAT AND WHO ARE “PREFERRED PROVIDERS?” These are health care providers near and around Auburn University (within 50 miles) that have established standard billing charges with United Health Care. UHC will pay 100% of these charges.

WHAT HAPPENS IF I DON’T USE A PREFERRED PROVIDER? Charges paid at 80% of what is considered “usual and customary rates” and 100% after $5,000

WHERE CAN I FIND A LIST OF PREFERRED PROVIDERS? -- Website -- UHC -- Insurance Coordinator

WHAT IS MY DEDUCTIBLE AND COPAY? -- $200 per person per year deductible -- $25 Copay per outpatient physician visit -- $75 Copay for emergency room visit

OTHER IMPORTANT BENEFITS!! -- Repatriation -- Emergency Medical Evacuation -- Maternity -- Pharmacy -- Accidental Death & Dismemberment MANY OTHER BENEFITS!! READ THE BROCHURE!!

WHAT ARE THE TYPES OF THINGS MY INSURANCE WILL NOT PAY FOR??? -- Pre-existing conditions -- Cosmetic procedures -- Dental treatment -- Elective surgery -- Immunizations -- Benefits paid by car insurance -- Intercollegiate sports