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An Overview of the Student Health Insurance Plan: Medical, Dental, Vision and Prescription Benefits
Student Health Insurance Plan ,[object Object],[object Object],MESVision 1 – (800) 793-9288 Discount plan: DO NOT SUBMIT BILLS OR CLAIMS www.ecndiscount.com 20% off discount plan with UCSF ID VISION Delta Dental of California 1-  (800) 765-6003 P.O. Box 997330 Sacramento,  CA 95899-7330 www.deltadentalins.com Group #:  271-0001 DENTAL Express Scripts, Inc. 1 - (800)  844-9096 P.O. Box 390873 Bloomington, MN 55439-0873 www.express-scripts.com RQSR RX Nationwide Life Insurance Co. 1 - (800) 468-4343 P.O. Box 6040 Agoura Hills, CA 91376-6040 www.cfmcnet.org (in California) www.myfirsthealth.com   (out of California) 302-078-0407 MEDICAL UNDERWRITER: TEL NO: CLAIM ADDRESS: NETWORK PROVIDERS: POLICY NUMBERS:
Student Insurance Plan Eligibility ,[object Object],[object Object],[object Object],[object Object]
Primary Care at Student Health  Parnassus or Mission Bay ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medical Coverage Outside of SHCS $50 deductible per visit; waived if admitted ER Co-pay $250,000 per condition per year ($100,000 for dependents) Policy Year Limit $10,000 (contact SHCS for consultation if you expect to exceed this limit) Prescription Max All specialty visits must be pre-authorized by SHCS, except for ER or Urgent Care visits. These visits can be retro-authorized with the Director’s approval. Please send all clinical notes from the ER or Urgent Care facility to SHCS for authorization within 24 to 72 hours.  $5,000 Annual Out of Pocket Maximum $250 Deductible once per year $20 Office Visit Co-pay Highlights  (does not apply to Student Health)
Medical Coverage Outside of SHCS ,[object Object],[object Object],100% after $50 co-pay 100% after $50 co-pay Emergency Room 100% (surgery) 70% of R&C (x-rays, labs, etc.) 100% (surgery) 90% of R&C (x-rays, labs, etc.) Outpatient 70% & $20 co-pay 90% & $20 co-pay Urgent Care Visit 70% (hospital services) 70% (surgery) 70% & $20 co-pay (doctor’s fees) 90% (hospital services) 90% (surgery) 90% & $20 co-pay (doctor’s fees) Hospital Stay 70% & $20 co-pay 90% & $20 co-pay Office Visits Out-of-Network In-Network
Medical Coverage Outside of SHCS Mental Health Services   (does not apply at SHCS) 90% after $20 co-pay (unlimited visits) Parity diagnosis 90% in-network; 70% out-of-network (25 days/policy year) 90% in-network; 70% out-of-network $20 co-pay ($350 max) 80% after $20 co-pay (40 visits max) Non-parity diagnosis Inpatient Hospital  Inpatient MD Visit Outpatient MD Visit
Medical Coverage Outside of SHCS 100% for up to 15 visits per policy year. Not subject to the $250 deductible. Acupuncture or Chiropractic Care Up to $200 per policy year ($100 of cost includes treatment of the foot or treatment related to the foot). Orthopedic Appliances Limited to 2 days following vaginal delivery or 4 days following delivery by cesarean section. Newborn babies are covered with SHS dependent insurance for 31 days following birth. Well Baby Care 100%,after a $10 co-pay for the first 15 visits and a $20  co-pay for any additional visits up to 25 visits per policy year. Not subject to the $250 deductible. Physical Therapy (outpatient) In-Network or Out-of-Network Other Benefits
Medical Coverage Outside of SHCS 70% 100% of R & C Home Care Nurse Out-of-Network In-Network 90% Durable Medical Equipment 70% ($25,000 lifetime max per sickness or injury) 90%( $25,000 lifetime max per sickness or injury) External Prosthetic Devices 70% 90% Temporary Surgical  Appliances 70% 90% Medical Supplies Other Benefits
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Medical Coverage Outside of SHCS International SOS Services
Exclusions and Limitations ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Pre-Existing Condition ,[object Object],[object Object]
Prescription Drug Coverage ,[object Object],$25 Co-pay ($15 Co-pay if there is no generic replacement for brand name, 30-day supply) Brand $15 Co-pay (30-day supply) Generic  $10,000 (Contact SHCS if you are close to exceeding the maximum.) Policy Year Max Plan name: Express-Scripts Plan group name: RQSR 1-800-844-9096 www.express-scripts.com All enrollees must use an Express Scripts in-network pharmacies to receive benefits. Plan Contact Information Prescription Drugs
Dental Coverage Delta Dental of California 1-800-765-6003 Plan Contact Information 271-0001 Group No. Student Insurance Plan Member ID Enrollee ID www.deltadentalins.com 1-800-765-6003 Network $1,500 Calendar Year Max $25 Deductible Highlights
Dental Coverage ,[object Object],[object Object],Covered only for dependent children under age 12; repairs not covered. Space maintainers 1 set per 12 months for adults and 2 set per 12 months for children under 18 years old Bitewing X-Rays 1 per 36 months  Full mouth/Panoramic x-rays 2 per 12 months  Fluoride treatment  2 per 12 months, including emergency exams Routine exams and cleaning Preventive Services 80% for PPO, 70% for non-PPO
Dental Coverage ,[object Object],[object Object],Dental scaling Periodontal prophy (cleaning) - covered only after 3 months following active periodontal treatment Endodontics (root canal therapy) Sealants – only on permanent first molars through age 8 and second molars through age 15, every 2 years Simple oral surgery Complex oral surgery (includes extraction of impacted teeth) General anesthesia Amalgam, silicate composite (resin) restorations (fillings) Basic Services 80% for PPO, 40% non-PPO
Dental Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Vision Coverage Enrollment begins in early Sept. (with a deadline of Oct. 19 th ) for coverage from Nov. 1, 2009 to Oct. 31, 2010.  Enrollment Optional VSP Vision ,[object Object],[object Object],Plan Contact Information $168/year Cost Please visit the above websites for specific information. ,[object Object],[object Object],[object Object],1-800-793-9288  www.ecndiscount.com Plan Contact Information Basic Vision
Student Health Insurance Plan –    Continuation Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Other Insurance Resources ,[object Object],Long Term Coverage: Short Term and Temporary Coverage: 1-800-277-3323 www.hpainsurance.com Health Plan Administrators Ins. 1-800-909-3447 ext 2 www.healthnet.com Health Net – Quick Net Plan 1-800-977-8860 www.ehealthinsurance.com eHealthInsurance 1-800-211-6906 www.temporaryinsurance.com Assurant Health 1-800-777-6000 www.anthem.com   Anthem Blue Cross  www.kaiserpermanente.org Kaiser Permanente 1-800-624-6370 www.insure.com Insure.com 1-800-880-5305 www.healthyfamilies.ca.gov Healthy Families 1-800-644-3491 www.healthinsurance.com Healthinsurance.com 1-800-909-3447 ext 2 www.healthnet.com Health Net 1-800-977-8860 www.ehealthinsurance.com eHealthInsurance 1-800-777-6000 www.anthem.com   Anthem Blue Cross
Disclaimer ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Information in this presentation is an overview.  Please contact SHCS for more information or details about your plan.  http:// studenthealth.ucsf.edu / tel: (415) 476-1281 fax: (415) 476-6137

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Student Health Insurance Plan

  • 1. An Overview of the Student Health Insurance Plan: Medical, Dental, Vision and Prescription Benefits
  • 2.
  • 3.
  • 4.
  • 5. Medical Coverage Outside of SHCS $50 deductible per visit; waived if admitted ER Co-pay $250,000 per condition per year ($100,000 for dependents) Policy Year Limit $10,000 (contact SHCS for consultation if you expect to exceed this limit) Prescription Max All specialty visits must be pre-authorized by SHCS, except for ER or Urgent Care visits. These visits can be retro-authorized with the Director’s approval. Please send all clinical notes from the ER or Urgent Care facility to SHCS for authorization within 24 to 72 hours. $5,000 Annual Out of Pocket Maximum $250 Deductible once per year $20 Office Visit Co-pay Highlights (does not apply to Student Health)
  • 6.
  • 7. Medical Coverage Outside of SHCS Mental Health Services (does not apply at SHCS) 90% after $20 co-pay (unlimited visits) Parity diagnosis 90% in-network; 70% out-of-network (25 days/policy year) 90% in-network; 70% out-of-network $20 co-pay ($350 max) 80% after $20 co-pay (40 visits max) Non-parity diagnosis Inpatient Hospital Inpatient MD Visit Outpatient MD Visit
  • 8. Medical Coverage Outside of SHCS 100% for up to 15 visits per policy year. Not subject to the $250 deductible. Acupuncture or Chiropractic Care Up to $200 per policy year ($100 of cost includes treatment of the foot or treatment related to the foot). Orthopedic Appliances Limited to 2 days following vaginal delivery or 4 days following delivery by cesarean section. Newborn babies are covered with SHS dependent insurance for 31 days following birth. Well Baby Care 100%,after a $10 co-pay for the first 15 visits and a $20 co-pay for any additional visits up to 25 visits per policy year. Not subject to the $250 deductible. Physical Therapy (outpatient) In-Network or Out-of-Network Other Benefits
  • 9. Medical Coverage Outside of SHCS 70% 100% of R & C Home Care Nurse Out-of-Network In-Network 90% Durable Medical Equipment 70% ($25,000 lifetime max per sickness or injury) 90%( $25,000 lifetime max per sickness or injury) External Prosthetic Devices 70% 90% Temporary Surgical Appliances 70% 90% Medical Supplies Other Benefits
  • 10.
  • 11.
  • 12.
  • 13.
  • 14. Dental Coverage Delta Dental of California 1-800-765-6003 Plan Contact Information 271-0001 Group No. Student Insurance Plan Member ID Enrollee ID www.deltadentalins.com 1-800-765-6003 Network $1,500 Calendar Year Max $25 Deductible Highlights
  • 15.
  • 16.
  • 17.
  • 18.
  • 19.
  • 20.
  • 21.