Transcript PSU Student Health Insurance Plan 2012-13

Portland State University
Hard Waiver Mandatory Student
Health Insurance Plan 2012-13
What You Need to Know
Costs of Common Medical Procedures
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Emergency Room Visit: $600-$1500
MRI: $1,000 - $4,000
CT Scan: $900 - $1,300
Broken Arm: $4,000 - $16,000
Torn ACL: $12,800
Appendectomy: $12,000 - $18,750
90 day Alcoholism Treatment Program: $35,000
Treatment for Eating Disorder: $12K- $30K per month
Aetna Student Plan Benefits
PSU Student Health Insurance Plan 2012-13
Medical Max per Academic Year
$100,000
Deductible
$0*
Co-insurance
80% in-network
Co-pays
$20 per visit
Prescriptions
$20/$30/$40 copays
Emergency Room
$150 copay, paid at 80%
Physician and Specialist Visits
$20 copay, paid at 100%
Mental Health and Substance
Abuse Expense (outpatient)
$15 copay, paid at 100%
Surgery
$100 copay, paid at 80%
Physical Therapy/Chiropractic
$20 copay, paid at 80%
Maternity
$20 copay, paid at 80%
* If using Aetna in-network providers
($3,500* out of pocket max)
(12 visits)
Who is Eligible for the PSU Plan?
 All Domestic students taking 5 or more in-load
classes (online and self-support may not count
towards eligibility and it is the student’s
responsibility to verify).
 All International students
HOWEVER,
 If you take a term off you will lose your insurance
unless it is a medical withdrawal.
How Much Does it Cost?
 Fall Term (9/20/12–1/7/13) = $560
 Winter Term (1/7/13–4/1/13) = $560
 Spring/Summer (4/1/13–9/20/13) = $560
(Summer coverage is included in Spring’s cost
regardless of graduating, traveling, or taking
classes)
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Dependent coverage is not available for domestic
students’dependents due to high cost.
International Dependents must be insured to stay
in the U.S.
Students with comparable coverage
may waive out of the PSU Plan
(once per academic year)
 Must have a plan with at least $100,000 of medical
benefits
 Must have deductible of $1,000 or less
 Must be able to receive primary services within 25
miles of PSU
 Must have Rx coverage
 Must have Mental Health benefits
 Oregon Health Plan is considered “comparable”
***Students can get back on the student plan if they
lose health coverage and are above 5 credits.***
How Do I Waive Out of the PSU Plan?
 You may wait at least 48 hours after you register
for fall term.
 Online waiver takes less than 10 minutes
 Have your insurance information nearby for
reference. Waive Out Link:
https://wfis.wellsfargo.com/psu
 Click “Domestic Student” or “International Student”
to begin the waiver process
 If waiver is denied, there is an instant online appeal
process
Learn More:
Visit the Center for Student Health and
Counseling website:
http://www.pdx.edu/shac/insurance
PSU SHAC Insurance Team
Contact Information
[email protected]
503) 725-2800
 Christi Ziegler, Licensed Agent and
Student Insurance Coordinator
 Nick Walden Poublon, Student Insurance
Advocate
 Jessica Cole, Assoc. Director of SHAC