Transcript HTH Health Insurance - University of North Carolina at

HTH Health Insurance
For International
Students on F-1
or J-1 Visas
Insurance Requirements
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The purchase of the HTH health insurance coverage is
mandatory for all UNCG international students on an
F-1 or J-1 visa
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Exceptions: Students on a Fulbright or government
sponsored program and students on exchange
through ISEP

Do not confuse the HTH health insurance premium
with the Student Health Fee (applied to all UNCG
degree student accounts registered 9 hours or more)
Student Health Fee
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Gives you access to the services of the
UNCG Student Health Center (SHC)
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Graduate degree-seeking students
registered for less than 9 hours will have to
request the Student Health Fee
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At the beginning of each semester
Request from the Cashier’s Office
Pay the student health fee at time of request
Health Insurance Charges
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Fall Semester Coverage: August 1 - December 31
Spring/Summer Semester Coverage: January 1- July 31
NO FORMS TO FILL OUT
• Registered full time (Exception: Degree student’s last
semester)
• Insurance premium is charged to UNCG student
accounts twice a year in the fall & spring/summer
• Fall semester insurance premium: $300
• Spring & Summer semester insurance premium: $420
UNCG Student Insurance for
Citizens & Permanent Residents

Do not confuse HTH insurance with UNCG’s
domestic student insurance provider
(currently Pearce & Pearce, Inc.)
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This insurance is only for domestic UNCG
students who are either US citizens or
permanent residents
Locations for Health Care
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First Choice: Student Health Center (SHC) for sickness or a minor injury
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Second Choice: Urgent Care Centers for sickness or a minor injury when SHC is
closed
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The HTH insurance policy waives the $100 co-pay
for services provided by SHC
Use the internet/phone book for the nearest
Urgent Care Center)
You must ask for your receipt!!!
Locations for Health Care

For life threatening emergency: Call 911 or go
directly to the nearest hospital
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Student Health Center may refer you to off
campus doctors or specialists
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Please check HTH’s Preferred Provider list at
http://www.hygeia.net/customer_tools/custo
mers/hthstudents/main.asp for off-campus
doctors or specialists
Additional Information
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You will not be penalized if you use a doctor or
specialist not on the preferred provider list
Using doctors from the preferred provider list
keeps your costs lower
There is no need to consult with the Student
Health Center (SHC), if severe health risk is at
stake
While traveling - go to the nearest emergency
hospital
Health Insurance Coverage
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HTH health insurance policy’s co-pay is $100
per sickness or injury (co-pay is waived for
services provided only by the SHC
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Covered expenses will be paid after the copay is satisfied
How Does HTH Pay?
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Basic Medical Expense Benefit: HTH pays
up to $10,000 Maximum: 100% of
Reasonable Expenses after Co-pay
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Supplemental Major Medical Expense
Benefit (SMM): After Basic Medical Expense
Benefit Maximum has been reached, 80% of
Reasonable Expenses will be paid up to an
additional 40,000 Maximum
How Does HTH Pay?
 Catastrophic
Major Medical Expense
Benefit (CMM): After both Basic &
Supplemental Benefit Maximums have been
reached, 100% Reasonable Expenses up to an
additional $100,000 Maximum will be paid
 Accidental
Death & Dismemberment
 Repatriation
& Medical Evacuation
How Does HTH Pay?
●
Example 1: You have gone to the nearest hospital
for an emergency and your final bill is $1,500
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You must pay the co-pay: $100 ($1,500 - $100 = $1,400)
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Insurance will pay the remaining $1,400 (100% X $1,400)
up to the first $10,000
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This is called the Basic Medical Expense Benefit
How Does HTH Pay?
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Example 2: If you received a hospital bill for $12,000:
 You would first pay the $100 co-pay ($12,000 $100 = $11,900)
 $11,900 - $10,000 (insurance pays100% up to
the first $10,000) = $1,900
 $1,900 X 80% = $1,520 ($1,900 - $1,520 = $380)
Insurance pays 80% after $10,000
 Your final total payment would be $480 ($100(copay) + $380 = $480)
Insurance Card
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Emailed to your UNCG email address listed in
UNCGenie (please make sure you check your email)
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UNCGenie is the university’s database and can be
accessed from the website at www.uncg.edu
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For any address/email address changes during
your studies, please update UNCGenie immediately
Insurance Card
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Your insurance ID card provides you with a
Certificate number
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You will need this Certificate number to file a
claim or to access HTH’s student website
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HTH website: www.hthstudents.com
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Please register at this website upon
receiving your HTH insurance card
HTH Website: www.hthstudents.com
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HTH’s student website provides:
• Claim forms
•
Local Doctors or hospitals
•
Status of a claim (EOB-evaluation of
benefits)
•
Translation of Medical Terms
Filing A Claim from SHC
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You will need to request a receipt!
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Complete claim forms (HTH website or from IPC)
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Fill out the claim forms immediately (there is a
separate claim form for prescriptions)
BE SURE TO CHECK THE BOX THAT SAYS PAY
PROVIDER DIRECTLY – this will keep you from
having to pay anything other than your co-pay
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Attach a copy of the receipt(s) of payment to the
claim form (please include your student ID number
on the receipt)
Filing A Claim from SHC
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Put your Certificate number on the claim form
Please follow instructions carefully & do not forget to
sign
Mail to the address given on the back of the claim
form (top right on Prescription Claim Form)
Keep a copy of your claim form and keep receipts
Usually takes about 4-6 weeks to process your claim
Withdrawal or Transferring
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Fall Semester – you must notify IPC by
September 8th.
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Spring Semester – you must notify IPC by
January 29th.
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Failure to notify IPC of your withdrawal or
transfer by this deadline, may jeopardize
any chances of reimbursement
REMEMBER:
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First: Use the Student Health Center (SHC)
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Please remember to take a receipt.
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Then: If SHC is closed and your condition is
not life threatening – go to the nearest
Urgent Care Center
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If condition is life threatening:
Call 911 or go to the nearest Hospital!
HTH Insurance Card
ALWAYS KEEP YOUR HTH
INSURANCE CARD &
IDENTIFICATION WITH YOU AT
ALL TIMES!
IPC wishes each student:
A safe and
healthy
experience
at UNCG!!