Guiding You Through Your Student Healthcare Benefits
Template University
Meet Miranda
Hi there! My name is Miranda. I will be your tour guide as we walk through your student insurance through Template University.
Together, we will explore each of the core components of your plan. Along the way, I will explain the basics of insurance and important considerations. Don’t worry, I don’t have too many cheesy tour guide jokes!
Your Student Health Insurance Plan
Welcome to another great semester at Template University! Health insurance can be really confusing, but this guide will help you learn the basics and understand your benefits a little bit more. Here’s what you need to know:
Who: You!
What: Template University Student Health Insurance Plan
When: Plan year runs August 1, 2023, through July 31, 2024
Where: Enroll or waive at www.StudentHealth.com/Template by August 1, 2023
Why Should I Elect the Student Health Insurance Plan?
Access to Care International Students Cost Effective
If you plan to stay on a parent’s insurance, be sure to confirm that your insurance provides coverage for services near campus.
ALL international students are required to elect the Student Health Insurance Plan.
Am I required to have health insurance?
It could be cheaper for you to elect the Student Health Insurance Plan versus staying on your parent’s plan. Make sure you compare the cost!
• Adequate health insurance coverage is required for the following groups of students:
• Domestic undergraduate students enrolled in 12+ credit hours.
• Domestic graduate students enrolled in 9+ credit hours.
• International students enrolled in 1+ credit hours.
• These students will be automatically enrolled in coverage, unless they waive with adequate alternative coverage.
• If you do not have coverage through your parents, a spouse, VA Tricare, or Medicaid, you must enroll in the plan.
0 2
The Importance of Preventive Care
The first stop on our tour is the doctor’s office.
The most important factor in living a healthy life is to take a proactive approach. It’s so important to make sure you are visiting your doctor each year for your annual physical.
Preventive screenings are also crucial because they can help detect health conditions before they become a serious concern. Your doctor will help you stay on track with your age- and genderappropriate screenings.
And best of all—it’s free! Your preventive care visits and screenings are 100% covered by your student health plan.
Annual Physical
Your annual visit to the doctor to receive your physical is 100% covered by your health plan.
Vaccines and boosters
Flu shots
COVID-19 vaccine
Your primary care physician can help you manage your mental health medications.
Learn More: Check out this short video on the importance of having a primary care physician.
0 3
Routine
Routine Blood Tests Vaccinations Mental Health Care
Screenings
STI testing Blood pressure Gender-specific screenings Glucose Cholesterol Metabolic Syndrome
Watch Now
Student Health Services
In an effort to support a healthy college experience, Student Health Services provides quality outpatient care that includes general medicine, injury care, and immunizations, and as well as gynecology, laboratory, and psychiatry services.
Health Services Center
Location and Hours
All students have access to the Health Services Center –you do not need to be on the student insurance plan to visit!
Services Offered
123 South Campus Campus, OH 12345
healthservices@templateu.edu
123-555-3000
123-555-3001 (fax)
Monday – Friday: 8 a.m. – 6 p.m. Saturday: 9 a.m. – 4 p.m.
Academic year hours, subject to change in the summer. Closed when the university is closed.
General Medicine
• Sick visits
• Minor injuries
• Men’s sexual health
• Wart removal
• Suture repair and/or removal
• Wellness exams/physicals
Gynecology
• Routine exams and paps
• Diagnosis and treatment of gynecological problems
• Contraception
• Pregnancy testing
• Prenatal referral
• Abortion referral
• STI diagnosis and treatment
• HPV vaccine
Psychiatry – Diagnoses Managed
• ADHD (previously diagnosed)
• Anxiety
• Bipolar
• Depression
• Eating disorders
• Schizophrenia
• Sleep disorders
Other Services
• International travel vaccinations
• Lab testing
• Physical therapy
• Musculoskeletal rehabilitation
• Post-surgical rehabilitation
• Orthopedic services
• Telehealth
To schedule an appointment, call the clinic at 123-555-1234, option #1
0 4
Where to Go for Care
One of the top ways you can save money on health care expenses is going to the appropriate place to receive care when you need it. If you were to fall and break your arm, the treatment you would receive in an emergency room unit and at an urgent care would be similar but would cost approximately 54% more at the emergency room. Try using the emergency room for true emergencies only to save money on your health care expenses.
Here are a few things to think about when navigating where to go for care:
Telemedicine
Use telemedicine for the timely treatment of acute or common illnesses, or when it is hard to access Primary or Urgent Care.
Common illnesses Chronic illnesses Rural areas Inclement weather
Primary Care Physician
Visit your Primary Care Physician for the timely treatment of acute or chronic illnesses, preventive care, and injuries.
Preventive care Common illness
Urgent Care Physician
Ongoing conditions
Referral to specialist
Visit an urgent care for illnesses and injuries that require immediate attention but are not life-threatening.
Visit an Emergency Room or call 911 for more serious or life-threatening conditions.
Benefit
Most carriers offer the ability to estimate the cost of your care before you go. Check out this video for more tips on where to go for care.
Room
Emergency
Tip:
0 5 Watch Now Template Priority Care 123 Campus Rd. 123-555-1234 Monday – Sunday 10 a.m. – 6 p.m. The Little Clinic at Kroger 123 Health Ave. 123-555-4321 Monday – Friday 8:30 a.m. – 7:30 p.m. College Urgent Care 123 Student Rd. 123-555-1357 Monday – Sunday 10 a.m. – 8 p.m. Campus Hospital 123 Emergency Rd. 123-555-7531 Open 24/7 St. Mary’s Hospital 123 Help Rd. 123-555-2468 Open 24/7 Allergic reactions Sprains Mild to moderate asthma attack High fever Difficulty breathing Blood loss Loss of consciousness Happy Hospital 123 Happy Rd. 123-555-8642 Open 24/7
Medical Plan
Medical Plan
What’s the Benefit:
Template University’s student health insurance pays for part or all the medical services you (and your covered family members) receive.
How Does it Work:
You receive an ID card to share with your health care service providers, such as your primary care doctor, that will give them information about whom to bill for the services you receive. If your plan doesn’t cover the claim in full, you will get an Explanation of Benefits (EOB) from your medical carrier after your visit. This document will tell you how much of the total cost was covered by the medical plan and the portion remaining for you to pay your medical provider(s).
Considerations: Many students automatically waive the student health insurance plan because they think the coverage would be too expensive or not as robust as their other coverage. Be sure to take the following into consideration:
Are you an only child or the last child to leave home? It might be worth it to look at the student plan. If you select the student plan through Template University, your parent may be able to change coverage tiers (employee + family to employee + spouse or employee only) and save money by removing you from their plan!
Estimate your medical expenses for the upcoming year. If you expect to have any surgeries or procedures, having good health insurance coverage is essential to avoiding high medical bills.
If you choose to waive the student plan, be sure to check that your alternate coverage works in the campus area.
Benefit Tip: Wait to receive your Explanation of Benefits from your medical carrier before paying your bill. Still have questions after reviewing your bill? Contact the medical carrier at 123-555-8000.
0 6
Medical Plan
***Disclaimer: It’s recommended that you use in-network providers to receive care. You may be balance billed if you receive care from an out-of-network provider.
Emergency Room
Deductible, then 20% coinsurance
Deductible, then 20% coinsurance Covered in full
Deductible, then 20% coinsurance
Deductible, then 20% coinsurance
What Does it Cost?
Deductible, then 40% coinsurance
Deductible, then 40% coinsurance
Deductible, then 40% coinsurance
Covered as in-network
Deductible, then 20% coinsurance
The annual premium is split into two payments assessed on your bursar bill at the beginning of fall and spring semesters.
Benefit Tip: What’s a deductible? As a health care consumer, you pay the full cost of medical services before a health plan begins to pay towards the cost of your care. Once you’ve met the deductible, your plan will begin to pick up some or all the cost. Check out the video below for a video with more terms to know or review the glossary on the next page!
Benefits In-Network Out-of-Network Deductible $350 $350 Coinsurance 80/20 60/40 Annual Out-of-Pocket Maximum $1,500 $1,500 Office Visits Primary Care Visit Specialist Visit Wellness Visit/Annual Physical
Urgent Care Facility
Prescriptions Tier 1 Tier 2 Tier 3 Tier 4 $15 $40 $70 $70 $15 $40 $70 $70 Annual Rate $2,000
0 7 Watch Now
Health Insurance 101
Health insurance can be really confusing, but it doesn’t have to be! Use the below glossary of terms to help you brush up on your insurance knowledge.
Deductible
The amount you owe for health care services each year before the insurance company begins to pay.
Out-of-Pocket Max
The maximum amount you have to pay for your health care during a year, excluding the premium. After you reach the out-of-pocket maximum (OOPM), your insurance begins to pay 100% of the allowed amount for covered health care services for the rest of the year.
Coinsurance
Your share of the costs of a covered health care service; calculated as a percent of the allowed amount for the service.
Copay
A fixed amount you pay for a covered health care service. The amount can vary by the type of service (e.g., primary care versus specialist).
Balance
Billing
When a provider bills you for the difference between the provider’s charge and the allowed amount by the insurance company. This can occur when you see providers or seek services out-of-network.
Provider
A doctor, hospital, facility, or pharmacy providing services.
Premium
The amount you pay for your health insurance. This charge is assessed twice per year on your tuition bill. Still have questions or not sure what something means? Find a full glossary of health insurance terms on HealthCare.gov!
0 8
Mental Health Services
Student Counseling Service
Template University’s Student Counseling Service provides primary, secondary, and tertiary level interventions in an effort to achieve and/or maintain a mentally healthy status for each student and to create a learning environment that facilitates and supports that status.
123 South Campus Campus, OH 12345
123-555-1234
Counseling@templateu.edu
Hours: 8 a.m. – 5 p.m.
Consideration
s:
Many health insurance plans, including Template University’s student plan, offer telemedicine benefits for behavioral health visits. Due to an increase in demand, wait times to see a provider at Student Counseling Service, may be longer than usual. Telemedicine is a way to see a provider sooner.
Togetherall
Togetherall is a safe, online community to share feelings anonymously and get support to improve mental health and wellbeing. The community is safely monitored by licensed and registered mental health practitioners.
Log on to the Togetherall portal and access the message board 24/7.
A Quick Look Inside Togetherall
Watch this short, 60-second video, to learn more!
0 9
Template’s suicide prevention page for resources, how to help a friend, and warning signs.
Visit
©HORAN 2023. All rights reserved. Need help with your student health insurance? Contact the On-Site Representative, Mary Smith: 123-555-1234 MarySmith@templateu.edu 123 Campus Rd. Campus, OH 12345 See you next time! Contact This packet is intended to provide a brief overview of your benefits. If there is a discrepancy between the enclosed documents and the certificate of coverage, the certificate of coverage for each plan will be the final determining document. Other Important Contact Information Medical Carrier Customer Service: 800-555-4567 Carrier Website 123 Campus Rd. Campus, OH 12345 Healthservices@templateu.edu 123-555-3000 123-555-3001 (fax) Student Counseling Service 456 Campus Rd. Campus, OH 12345 Counseling@templateu.edu 123-555-1234 Student Health Services Health Insurance 1 1