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An Equal Opportunity UniversityAn Equal Opportunity University
UK Student Health Insurance Plan (SHIP)
Emily DuncanAdministrator, SHIP Office
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An Equal Opportunity University
Health care in the United States
• Amazing!
• Complicated!
• Expensive!
• Your responsibility to understand!
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An Equal Opportunity University
Take away
• How do I get SHIP?
• How do I use SHIP?
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An Equal Opportunity University
Eligibility and Enrollment
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An Equal Opportunity University
Who can have SHIP?
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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
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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.
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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
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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
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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
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An Equal Opportunity University
Plan Structure
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An Equal Opportunity University
Plan Highlights
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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
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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
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An Equal Opportunity University
Using the Plan
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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
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An Equal Opportunity University
My Account
• UnitedHealthcare/StudentResources “My Account”– Email from [email protected]
• System includes:– ID Cards – Claim letters– EOB statements
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An Equal Opportunity University
Not a golden ticket…
• Limitations and exclusions • Using the Emergency Room • Beware of “helpful” advice
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An Equal Opportunity University
uky.myahpcare.com
• Read the certificate brochure
• Find network providers
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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
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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
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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)