1. UNIVERSITY AT ALBANY INTERNATIONAL HEALTH INSURANCE HTH WORLDWIDE Presented by International Student and Scholar Services (ISSS) International Orientation Spring 2015

2. Why Is Health Insurance Mandatory ? Who Must Have Health Insurance ?  In the United States, medical expenses are very expensive and without health insurance you may not be able to pay the bills.  Health Insurance helps you pay the medical bills and prescriptions when you receive medical care.  All F-1 and J-1 and their dependents (F-2 and J-2) are required to carry Health Insurance at all times during your stay in the United States.

3. Types of Health Insurance  Student Employees, funded by:  SUNY Graduate/Teaching Assistantship, or  SUNY Research Foundation  NYSHIP Student Employee Health Plan (SEHP) and others  Self-funded Students:  HTH Worldwide  Students funded by Other Sponsor:  HTH Worldwide

4. Where Do I Get HTH Information ? ISSS Website: www.albany.edu/isss HTH Website: www.HTHstudents.com Science Library, Room G-40, Uptown Campus IntInsurance@albany.edu Vjong-futerko@albany.edu

5. Types of Mandatory Insurance You Will Be Automatically Enrolled  HTH Worldwide Health Insurance  Helps you pay when you receive medical treatment, subject to insurance coverage.  $685.09 for Spring 2015  Register/Login at www.HTHstudents.com  FrontierMEDEX Emergency Assistance & Evacuation Insurance (All international students are enrolled)  If you need to leave the U.S. for emergency medical treatment, MEDEX helps you pay the trip.  $51.80 for Spring 2015

6. What Does HTH & MEDEX Insurance Cover ?  100% of Reasonable Expenses after Deductible: Physician Office Visits, Inpatient Hospital Services, Hospital and Physician Outpatient Services, and Prescription Drugs  $300,000 Max. Benefit per Injury or Sickness  $10,000 Max. Benefit for Accidental Death and Dismemberment  Other Benefits and Coverage defined in the policy.

7. Benefits and Policy Information Downloadable at:  www.HTHstudents.com www.HTHstudents.com  www.albany.edu/isss (Also available in ISSS Office) www.albany.edu/isss HTH Benefit Brochure HTH International Health Insurance Benefits BrochureHTH International Health Insurance Benefits Brochure or Login to your HTH account FrontierMedex Frontier MEDEX Benefits Brochure (Emergency Assistance and Evacuation Insurance)

8. When Do I Receive My Insurance Card ?  After ISSS enrolls you to HTH, you will receive a welcome e-message from HTH in your UAlbany e-mail account  Instructions are given to register/login to www.HTHstudents.com  Check & update your private information/mailing address  You may print out your HTH Card directly  Always carry the card with you.

9. HTH Health Insurance ID Card  Looks like this …  Coverage Date for Spring 2015: January 15, 20145– August 14, 2015

10. Where Do I Go When I am Sick ?  Go to the University Health Center  Professional medical and friendly services  Your medical information is confidential  For appointment and information: www.albany.edu/health_center APPOINTMENTS (518) 442-5229 PHONE (518) 442-5454 400 Patroon Creek Blvd., Suite 200 Albany, NY 12206

11. What If University Health Center Cannot Treat Me ?  They will refer you to a doctor off-campus.  They will give you a Referral Form.  You must enter the Referral Code on www.HTHstudents.com before your doctor visit.  Call HTH Customer Service at 1-888-350-2002 to make sure doctor is in HTH Worldwide Network, or  Call doctor to confirm they are part of the “AETNA PPO/NAP Network” as noted on your Insurance ID Card.

12. What if University Health Center Is Closed ?  If not an emergency  Wait until University Health Center re-opens.  However, if you feel you must see a doctor off- campus, go back to Health Center to get a HTH Referral form later when they re-open.  Login to www.HTHstudents.com to enter the Referral Code.

13. What If I Have Medical Emergency ?  An Emergency = life threatening event or severe/acute pain.  University Police (518) 442-3131or Call 911  Off-Campus: Identify yourself as a UAlbany student and provide your location.

14. If It Is Actually Not An Emergency… Important: If you go to a hospital emergency room and you do not have an emergency  You will wait 2-4 hours or more  Cost is very high  $50 (called a deductible) will be charged to you.

15. What Does HTH Insurance NOT Cover?  Routine Physical Exams – An exam required by a class or program, but you are not sick.  Eye Exams to check vision  Dental Care unless caused by injury  Some Immunizations and Vaccines

16. What If I am Covered by Other Health Insurance Plan ? You will still be enrolled in HTH Worldwide.  You may keep HTH as your health insurance, or  Apply ONLINE for the Health Insurance Waiver Apply ONLINE for the Health Insurance Waiver Go to: http://hthworldwide.force.com/SUNYhttp://hthworldwide.force.com/SUNY  Upon completion you will be notified if your application temporarily approved (with further instructions to obtain proof of coverage) or denied  Application Deadline: February 15, 2015.

17. Dependent’s HTH Enrollment  F-1s and J-1s must ensure that your dependents (spouse or child) are covered under HTH or other insurance plan.  If you are a F-2 or J-2 registered for classes yourself, you will be enrolled in HTH automatically.  Parents are not considered dependents under HTH policy.  Please contact ISSS for dependent’s HTH enrollment.

18. Where Do I Get HTH Information ?  HTH Webpage: www.hthstudents.com and login to your accountwww.hthstudents.com  ISSS Webpage: www.albany.edu/isss/insurance E-mail: IntInsurance@albany.eduIntInsurance@albany.edu Insurance Coordinator: vjong-futerko@albany.eduvjong-futerko@albany.edu Office visit: Location: Science Library, Room G 40, Uptown Campus Office Hour: 9:00 AM – 4:00 PM, Mon – Fri

19. Q & A