2011 INTERNATIONAL STUDENT ORIENTATION

1. 2011 INTERNATIONAL STUDENT ORIENTATION INTERNATIONAL HEALTH INSURANCE

2. Health Insurance (All F and J Visa Holders) 3 Types of insurance Funded Graduate Students Non-Funded & Undergraduates ISSS TA/GA RPA SUNY International Student and Scholar Health and Accident Insurance GSEU / Employee Benefits Research Foundation (NYSHIP) (POMCO) (HTH Worldwide Insurance)

3. Who is the ISSS Health Insurance Team? • Terry Creeden – International Health Insurance Coordinator • Lorraine Medionte – International Health Insurance Assistant

4. What is Health Insurance? • In the United States, it is the main way bills for medical care are paid. Medical care in the United States is very expensive. • Insurance helps pay your medical bills.

5. What Does Medical Care Cost? • Off Campus Doctor visit- No insurance = $ 145.00 • With HTH insurance: $ 0 if referred by University Health Service or $50.00 with no referral • Hospital Emergency Room visit for broken arm: No insurance =$700.00 • With HTH insurance = $0

6. Who must have Health Insurance? • All international students and scholars with F1 or J1 Visas must have insurance. • Dependents with F2 or J2 Visas must have insurance

7. What Does Insurance Pay For? • When University Health Service cannot treat you they send you to a doctor off campus. These services are not covered by your “Health Services Fee” • Insurance will pay for medical services, prescription drugs, and many other services defined in your insurance policy. • The Policy also tells you how much HTH will pay for covered services. • If a service is NOT covered, you have to pay for it yourself. Services NOT covered are found in the HTH Policy under “General Exclusions.”

8. Some Common Non-Covered Services • 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

9. Links to Your Policies • Health Care Policy: • http://www2.binghamton.edu/isss/health-insurance/SUNYIntInsPolCert.pdf • Medical & Security Evacuation and Repatriation Program Policy: • http://www2.binghamton.edu/isss/health-insurance/MEDSECDes10.pdf

10. How do You use Your insurance? • ISSS enrolls you. • HTHWorldwide sends an e-mail to your Binghamton.edu email account. It Explains how to log-on to www.HTHstudents.com to print your Health Insurance ID Card. • Always carry your Health Insurance ID card with you. You must present it to referred doctors and pharmacies off campus and in emergencies.

11. Your ID Card • Looks like this:

12. Where do You go when You Are Sick? • Go to University Health Service on Campus. • No cash needed. • Professional medical staff. • Your medical information is confidential • Services are paid through your Health Services fee. • For more information go to: http://www2.binghamton.edu/health/

13. What if University Health Service Cannot Treat You? • 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.combefore your doctor visit • Call HTH Customer Service at 1-888-243-2358 to make sure doctor is in HTHWorldwide Network or • Call doctor to confirm they are part of the “AETNA Open Access PPO Network” as noted on the back of your Insurance ID Card.

14. What if Health Service is Closed? • If not an emergency • Short term - overnight or weekend: wait until University Health Services re-opens • However, if you feel you must see a doctor off campus go back to Health Services to get a HTH Referral form when they reopen. Go to www.HTHstudents.com to enter referral code.

15. What if You have an emergency on Campus? • An emergency = life threatening event or severe/acute pain. • On campus - call 911 from a campus land line phone or 607-777-2222 from a cell phone. • Both connect you to University Police. They will help you

16. What if You Have An Emergency Off Campus? • Off campus - call University Police at 607-777-2222 • Identify yourself as a Binghamton University Student and ask for Harpur’s Ferry Ambulance • Note:If you call 911 from an off campus telephone or cell phone = Broome County Emergency Dispatch

17. Emergency - Continued • 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.

18. Can you see a doctor without going to Health Services? Yes, BUT… You will pay an extra $50.00 (called a deductible) and If the doctor is not part of the HTH/AETNA PPO Network you also pay the difference between what HTH pays the doctor and what the doctor charges you. This could be very expensive and beyond your means to pay.

19. Where do I get Dental Care? • Dental Care is a not a Covered Service. • HTH sells discount plans found on www.HTHstudents.com • Look in the Binghamton Phone Book under: “Dentists” • Broome Community College Dental Hygiene Clinic for preventative care. Call 778-5015 for appointment.

20. Where Can You get Eye Exams and Glasses? • Eye glasses and eye vision exams are not covered by HTH Insurance. • Look in the Binghamton Phone Book under: “Opticians and Optometrists” • Shop for best prices.

21. Sick or Accident Emergency: Acute pain, life threatening event ROUTINEILLNESS UNIVERSITY HEALTH SERVICES (no charge, covered by health fee) HOSPITALS General, Wilson Regional & Lourdes Hospitals You present insurance ID card to hospital. They send bills to HTH Insurance for payment. REFERRAL TO OFF-CAMPUS PROVIDER Use “preferred provider” found at www.HTHStudents.com to receive highest level of reimbursement from HTH Insurance TREATMENT AT CAMPUS HEALTH SERVICES No referral form or insurance ID required. Referral Form No referral form is needed in an emergency to have HTH Insurance waive $50.00 deductible applied to non referrals. Referral Form Get referral form from University Health Services. Enter code from form into WWW.HTHstudents.com /My Benefits/SUNYbefore your Dr. visit ADDITIONAL BILLS FROM EMERGENCY ROOM OR HOSPITAL STAY Unpaid bills with total amount due: Call provider’s office. Provide them with your insurance information so they can send bill to HTH. Or mail bills to HTH Worldwide. Include your insurance certificate # on each bill. Always keep copies of bills or receipts that you send to HTH Worldwide. Visit Doctor/Provider Give insurance ID card to Doctor. They will bill HTH Insurance to be paid by them. Notice of Unpaid Bills Received If you receive bills where the total amount is due from you, either the doctor does not have your insurance ID or the claim was denied. Contact HTH customer service at 1-888-350-2002 or ISSS at 777-2510 for assistance. Bills With $50.00 Deductible Due Any emergency service or hospital bill with $50.00 charge remaining for you to pay: Contact ISSS for assistance at intl.insure@binghamton.edu or 777-2510

22. Get the Details • Health Insurance is complex and many rules apply. • Use the HTH website for information and many services @ http://www.hthstudents.com, including translation guides for medications • Read all materials provided by HTH and ISSS. • Contact ISSS with any questions or concerns

23. Who Can Answer My Questions? • Terry Creeden, International Health Insurance Coordinator • Lorraine Medionte, International Health Insurance Assistant We are here for you! By Appointment or Walk In - Tuesdays 10:15 – Noon Office of International Student and Scholar Services 607-777-2510 or intl.insure@binghamton.edu

24. BU Health and Wellness Program Web Sites • International Health Insurance: http://www2.binghamton.edu/isss/health-insurance/index.html • Health Services: http://www2.binghamton.edu/health/ • Counseling Services: http://www2.binghamton.edu/counseling/ • Campus Recreation: http://www2.binghamton.edu/campus-recreation/

25. Questions? • What are Your Questions?