1. The University of Iowa Student Health Insurance

2. Benefits Office Campus mail address: 120-40 USB
Telephone number: (319)
Toll-free number: (877)
Web page:
                     
                    
            
                    
                     
Located at the corner of Prentiss and Capitol Streets

3. Mandatory Insurance
The University of Iowa requires all international students or Students in the Health Sciences to have medical insurance.
Medical care is expensive
No government assistance available

4. The University of Iowa Insurance Plans
Student Health Insurance Plan (SHIP)
UIGRADCare
Dental Insurance

5. SHIP Coverage Undergraduate and graduate students
$130 per month for single coverage
$135 per month starting 9/1/14
Care through Alliance Select providers

6. SHIP Coverage Worldwide coverage Office visits to physicians
Routine Physicals
Pap smears and pelvic exams
Immunizations
Hospitalization
Surgery
Imaging and laboratory tests
Prescriptions
Mental Health
Repatriation

7. SHIP Coverage Co-payments Coinsurance
$10: office visit, lab test, imaging
$50: emergency room
Coinsurance
10%: hospitalization after $300 deductible
Example: 2 day hospital stay = $3,000
You pay: $300 deductible 10% of $2,700 = $270
Your total cost: $570

8. SHIP Coverage Prescription coverage: 3 Levels Generic Drugs 25%
Name brand formulary drugs 30%
Name brand nonformulary drugs 50%

9. SHIP Coverage Exclusions (services not covered)
Routine eye and hearing exam
Glasses
Dental care (accidents only)
No lifetime maximum on policy

10. UIGRADCare Coverage Only available for $242 per month single coverage
Graduate students
Students in health sciences
Primary care through Student Health Service, UIHC Clinics, and Community Medical Service Clinics
Family 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
Surgery
Imaging and laboratory tests
Annual physicals
Annual vision and hearing exams
Prescription drugs
Mental health and chemical dependency care
Repatriation

12. UIGRADCare Coverage Office visits, eye/hearing exam, immunizations
$10 co-pay
Annual physicals
Free
Coinsurance
10%: imaging and lab, hospitalization after $125 daily deductible
Example: 2 day hospital stay = $3,000
You pay: $125 x 2 = $250 and 10% of $2,750 = $275
Your total cost: $525

13. UIGRADCare Coverage Prescriptions Mental Health
$7 or 25%, whichever is greater
Mental Health
Participating providers list (
Providers under Blue Access- mental health only
$10 co-pay for participating providers
50% coinsurance for non-participating providers

14. UIGRADCare Coverage Out-of-Pocket Maximum (OPM) Prescription OPM
$1,200 Single
$1,800 Family
Prescription OPM
No 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 cost
Restorative services
Cavity repair, tooth extraction, root canals, etc.
$25 deductible/per person + 20%
High cost restorations
Crowns, 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 policies
If 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% time
Fellowship 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 Process
Complete application during open enrollment period (Aug 1- Sep 5, 2014) if you are:
Enrolling in UIGRADCare or SHIP
Enrolling in dental insurance
Adding family members (this will increase your premiums)

20. Changes During the Year
Changes can only be made
During Open Enrollment
Within 30 days of an event
Marriage
Divorce
Birth (60 days)
Arrival in U.S.
Spouse beginning or ending job
Changes 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 card
Pre-certification for hospitalization
Customer Service (claims questions)
Contact the Benefits Office
Corrections of names or birth dates
New cards
Name Member Number
Name Member Number

22. Forms Booklets available and Coverage Manuals
University Benefits Office
On-line at:

23. Thank you for your attention. Welcome to The University of Iowa!