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HTH Health Insurance

HTH Health Insurance For International Students on F-1 or J-1 Visas Insurance Requirements The purchase of the HTH health insurance coverage is mandatory for all UNCG international students on an F-1 or J-1 visa

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HTH Health Insurance

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  1. HTH Health Insurance For International Students on F-1 or J-1 Visas

  2. Insurance Requirements • The purchase of the HTH health insurance coverage is mandatory for all UNCG international students on an F-1 or J-1 visa • Exceptions: Students on a Fulbright or government sponsored program and students on exchange through ISEP • Do not confuse the HTH health insurance premium with the Student Health Fee (applied to all UNCG degree student accounts registered 9 hours or more)

  3. Student Health Fee • Gives you access to the services of the UNCG Student Health Center (SHC) • Graduate degree-seeking students registered for less than 9 hours will have to request the Student Health Fee • At the beginning of each semester • Request from the Cashier’s Office • Pay the student health fee at time of request

  4. Health Insurance Charges • Fall Semester Coverage: August 1 - December 31 • Spring/Summer Semester Coverage: January 1- July 31 • NO FORMS TO FILL OUT • Registered full time (Exception: Degree student’s last semester) • Insurance premium is charged to UNCG student accounts twice a year in the fall & spring/summer • Fall semester insurance premium: $300 • Spring & Summer semester insurance premium: $420

  5. UNCG Student Insurance for Citizens & Permanent Residents • Do not confuse HTH insurance with UNCG’s domestic student insurance provider (currently Pearce & Pearce, Inc.) • This insurance is only for domestic UNCG students who are either US citizens or permanent residents

  6. Locations for Health Care • First Choice: Student Health Center (SHC) - for sickness or a minor injury • The HTH insurance policy waives the $100 co-pay for services provided by SHC • Second Choice: Urgent Care Centers - for sickness or a minor injury when SHC is closed • Use the internet/phone book for the nearest Urgent Care Center) • You must ask for your receipt!!!

  7. Locations for Health Care • For life threatening emergency: Call 911 or go directly to the nearest hospital • Student Health Center may refer you to off campus doctors or specialists • Please check HTH’s Preferred Provider list at http://www.hygeia.net/customer_tools/customers/hthstudents/main.aspfor off-campus doctors or specialists

  8. Additional Information • You will not be penalized if you use a doctor or specialist not on the preferred provider list • Using doctors from the preferred provider list keeps your costs lower • There is no need to consult with the Student Health Center (SHC), if severe health risk is at stake • While traveling - go to the nearest emergency hospital

  9. Health Insurance Coverage • HTH health insurance policy’s co-pay is $100 per sickness or injury (co-pay is waived for services provided only by the SHC • Covered expenses will be paid after the co-pay is satisfied

  10. How Does HTH Pay? • Basic Medical Expense Benefit: HTH pays up to $10,000 Maximum: 100% of Reasonable Expenses after Co-pay • Supplemental Major Medical Expense Benefit (SMM): After Basic Medical Expense Benefit Maximum has been reached, 80% of Reasonable Expenses will be paid up to an additional 40,000 Maximum

  11. How Does HTH Pay? • Catastrophic Major Medical Expense Benefit (CMM):After both Basic & Supplemental Benefit Maximums have been reached, 100% Reasonable Expenses up to an additional $100,000 Maximum will be paid • Accidental Death & Dismemberment • Repatriation & Medical Evacuation

  12. How Does HTH Pay? • Example 1: You have gone to the nearest hospital for an emergency and your final bill is $1,500 • You must pay the co-pay: $100($1,500 - $100 = $1,400) • Insurance will pay the remaining $1,400 (100% X $1,400) up to the first $10,000 • This is called the Basic Medical Expense Benefit

  13. How Does HTH Pay? • Example 2: If you received a hospital bill for $12,000: • You would first pay the $100 co-pay ($12,000 - $100 = $11,900) • $11,900 - $10,000 (insurance pays100% up to the first $10,000) = $1,900 • $1,900 X 80% = $1,520 ($1,900 - $1,520 = $380) Insurance pays 80% after $10,000 • Your final total payment would be $480 ($100(co-pay) + $380 = $480)

  14. Insurance Card • Emailed to your UNCG email address listed in UNCGenie (please make sure you check your email) • UNCGenie is the university’s database and can be accessed from the website at www.uncg.edu • For any address/email address changes during your studies, please update UNCGenie immediately

  15. Insurance Card • Your insurance ID card provides you with a Certificate number • You will need this Certificate number to file a claim or to access HTH’s student website • HTH website: www.hthstudents.com • Please register at this website upon receiving your HTH insurance card

  16. HTH Website: www.hthstudents.com • HTH’s student website provides: • Claim forms • Local Doctors or hospitals • Status of a claim (EOB-evaluation of benefits) • Translation of Medical Terms

  17. Filing A Claim from SHC • You will need to request a receipt! • Complete claim forms (HTH website or from IPC) • Fill out the claim forms immediately (there is a separate claim form for prescriptions) • BE SURE TO CHECK THE BOX THAT SAYS PAY PROVIDER DIRECTLY – this will keep you from having to pay anything other than your co-pay • Attach a copy of the receipt(s) of payment to the claim form (please include your student ID number on the receipt)

  18. Filing A Claim from SHC • Put your Certificate number on the claim form • Please follow instructions carefully & do not forget to sign • Mail to the address given on the back of the claim form (top right on Prescription Claim Form) • Keep a copy of your claim form and keep receipts • Usually takes about 4-6 weeks to process your claim

  19. Withdrawal or Transferring • Fall Semester – you must notify IPC by September 8th. • Spring Semester – you must notify IPC by January 29th. • Failure to notify IPC of your withdrawal or transfer by this deadline, may jeopardize any chances of reimbursement

  20. REMEMBER: • First: UsetheStudent Health Center (SHC) • Please remember to take a receipt. • Then: If SHC is closed and your condition is not life threatening – go to the nearest Urgent Care Center • If condition is life threatening: Call 911 orgo to the nearest Hospital!

  21. HTH Insurance Card ALWAYS KEEP YOUR HTH INSURANCE CARD & IDENTIFICATION WITH YOU AT ALL TIMES!

  22. IPC wishes each student: A safe and healthy experience at UNCG!!

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