1. English Language Center
HEALTH INSURANCE
English Language Center

2. 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.

3. 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

4. COST| 4
Health care in the US can be very expensive if you do not have insurance.
From

5. 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.

6. 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

7. 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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10. PLAN OVERVIEW| 10

11. 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%

12. HOW TO FIND AN IN-NETWORK DOCTOR?
PLAN OVERVIEW| 12
HOW TO FIND AN IN-NETWORK DOCTOR?
Go to:
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

13. 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.

14. 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

15. DREXEL STUDENT HEALTH CENTER
Phone: (215)
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.

16. 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

17. 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

18. EAT HEALTHY / STAY HEALTHY
STAYING HEALTHY| 18
EAT HEALTHY / STAY HEALTHY
2121 Market St Philadelphia, PA
929 South St
Philadelphia  PA 19147

19. SPONSORED STUDENT HEALTH INSURANCE
SPONSORED HEALTH INSURANCE| 19
SPONSORED STUDENT HEALTH INSURANCE
SACM
United Healthcare
Phone: (866)
EMBASSY OF KUWAIT
Kuwait Health Office
Phone: (202)
Contact:
Marybeth Byrdy – Student Health Advisor

20. 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!

21. QUESTIONS| 21
QUESTIONS?
If you any questions about the Drexel ELC Health Insurance policy, contact The Harbour Group:
By Phone: Or
Contact Drexel ELC:
Phone: (215)