an equal opportunity university uk student health insurance plan (ship) emily duncan administrator,...
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An Equal Opportunity UniversityAn Equal Opportunity University
UK Student Health Insurance Plan (SHIP)
Emily DuncanAdministrator, SHIP Office
An Equal Opportunity University
Health care in the United States
• Amazing!
• Complicated!
• Expensive!
• Your responsibility to understand!
An Equal Opportunity University
Take away
• How do I get SHIP?
• How do I use SHIP?
An Equal Opportunity University
Eligibility and Enrollment
An Equal Opportunity University
Who can have SHIP?
An Equal Opportunity University
Funded Graduate Students
• Each semester students must be:
• Enrolled in the Graduate School (professional students do not qualify)
• Degree-seeking
• In UK payroll with an assignment as a full-time TA, RA, GA (20 hrs. per week), or qualifying institutional fellowship recipient
• Automatic enrollment
• No cost to student
An Equal Opportunity University
International Students
• Insurance is mandatory for international students on F1, J1, or J2 visas.
• Automatically enrolled, cost is automatically applied to your student tuition bill
• The charge for fall 2015 semester is $823.
• The charge for spring/summer 2016 will be $1,343.
An Equal Opportunity University
Funded international students
• SHIP Office processes eligibility, the premium is paid by the Graduate School Funding Office (Judy Nave).
• Allow one month for processing
An Equal Opportunity University
International “waivers”
• Outside plan from government sponsor or employer may apply to “waive,” or cancel, SHIP online via uky.myahpcare.com.
• Waiver application deadlines apply.
– 9/22/15 for fall
– 2/22/16 for spring/summer
An Equal Opportunity University
Voluntary Purchase
• Graduate students enrolled in any number of credit hours
• Undergrads enrolled in at least 6 credit hours
• $2,166 for 12 months of coverage
• Any participating student can enroll dependents
An Equal Opportunity University
Plan Structure
An Equal Opportunity University
Plan Highlights
An Equal Opportunity University
Deductible
“Deductible” is the amount you pay before your insurance will pay their portion. Who pays first?
• $0 at UHS Providers• $100 at UK Providers• $500 at United Providers • $1,000 at Out-of-Network
Providers
An Equal Opportunity University
Coinsurance
“Coinsurance” is the percentage of medical expenses you pay.
• 0 % at UHS! • 20% at UK Providers• 35% at United Providers• 50% at Out-of-Network
An Equal Opportunity University
Using the Plan
An Equal Opportunity University
When does coverage begin?
• Coverage begins August 15th
• The insurance year is broken into two parts:
• Fall 8/15/15-12/31/15
• Spring/Summer 1/1/16-8/14/16
An Equal Opportunity University
My Account
• UnitedHealthcare/StudentResources “My Account”– Email from [email protected]
• System includes:– ID Cards – Claim letters– EOB statements
An Equal Opportunity University
Not a golden ticket…
• Limitations and exclusions • Using the Emergency Room • Beware of “helpful” advice
An Equal Opportunity University
uky.myahpcare.com
• Read the certificate brochure
• Find network providers
An Equal Opportunity University
Huh?• Refer to your Certificate Brochure• Call for help:
– AHP customer service agents for enrollment questions – UnitedHealthcare/StudentResources for claims/benefits
• Contact SHIP Office – Wednesdays @ Graduate School 1:00-3:00
An Equal Opportunity University
Recap
• Watch for an email from [email protected] to get ID card through My Account
• UK’s physicians and pharmacies will save you money
• SHIP is not a golden ticket, know how to locate your resources
• Ask questions as preparation instead of panic
An Equal Opportunity University
CHEESE!
• uky.myahpcare.com
• Academic HealthPlans (AHP) 1-855-856-2385 Enrollment/Waivers
• UnitedHealthcare/StudentResources (UHCSR) 1-866-907-6342 Benefits/Claims
• Watch for “My Account” invitation from [email protected]
• UK SHIP Office [email protected]
– Open office hours Wednesdays 1:00-3:00 104 Gillis Building
• Enrollment deadlines for voluntary and dependents (9/15/15 & 1/31/16)
• Waiver deadlines for international students with other plan (9/22/15 & 2/22/16)