Transcript ASSOCIATED INSURANCE PLANS INTERNATIONAL, INC.
Health Insurance designed for the International Students of the THE TEXAS A&M UNIVERSITY SYSTEM 2011-2012 Underwritten By: Companion Life Insurance Company (A+) Administered by: Associated Insurance Plans International, Inc. (AIP) Serviced By: Dunlap Financial Services, College Station www.TAMUInsurance.com
800-452-5772
Student Health Insurance We’ve got you covered!
All International Students attending TAMU-College Station will be insured under the A&M 200K International Student Insurance Plan.
Fall Semester Coverage provided to midnight on December 31, 2011.
Spring/Summer Semester Coverage provided to midnight on August 16, 2012.
Benefits are provided 24 hours each day, anywhere in the world.
www.TAMUInsurance.com
800-452-5772
Some “insurance terms” you need to know
Preferred Provider – An organization where providers are under contract to an insurance company or health plan to provide care at a discounted or negotiated rate.
Deductible – a specified amount the insured must pay before the insurance company begins to make any payments to your providers for medical treatment. Co-Insurance – a specified percentage the insured is required to pay for all covered medical expenses remaining after the deductible has been met.
Co-Pay – a specified amount the insured must pay towards medical treatment or prescriptions.
Pre-Existing Condition - A health insurance policy provision stating that benefits will not be paid for any illness and/or condition that existed prior to one becoming an insured under the particular health plan in question, until the insured has been covered under the policy for a specified period.
www.TAMUInsurance.com
800-452-5772
Preferred Providers
1. A.P. Beutel Student Health Center - 100% reimbursement for covered medical expenses treated at the Health Center.
2. PHCS National Preferred Provider Network - 80% reimbursement for Network treatment.
3. Beech Street National Preferred Provider Network - 80% reimbursement for Network treatment.
60% reimbursement for out-of-Network treatment.
Outside the United States the Preferred Providers are not available, but benefits will be reimbursed at 80%.
www.TAMUInsurance.com
800-452-5772
Deductible
$250 each plan year ($500 for family) NOTE: The deductible is always waived for medical treatment received at A.P. Beutel Student Health Center.
www.TAMUInsurance.com
800-452-572
Co-pays
Outpatient Physician visit
$25 plus 20%/40% of the remaining charges
Urgent Care Treatment Center:
$25 plus 20%/40% of the remaining charges
Emergency Room (ER) visit:
$250 plus 20%/40% of the remaining charges
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800-452-5772
Co-pays and Pharmacy
At the Student Health Center
$15 co-pay per 30 day supply (paid at 100% to $500 per policy year).
Prescription Drug Card: cost of prescription medication to $1,000 per policy year, subject to a co-payment per 30 day supply. Co-pays:
$ 15 co-pay for generic
$25 co-pay for brand $35 co-pay for single source (Contraceptives are included.) www.TAMUInsurance.com
800-452-5772
Additional Benefits
Accidental Death & Dismemberment: $5,000
Repatriation of mortal remains:
$15,000 for International students Medical Evacuation: up to $25,000 (advance approval
required)
Travel Assistance: Referrals to the nearest most appropriate facilities and providers - with guarantees of payment to providers, and assistance in coordinating insurance benefits.
24 hour Nurse Advice Line www.TAMUInsurance.com
800-452-5772
Maximum Benefit
$200,000 per condition
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800-452-5772
Policy Limitations
Note: This policy provides benefits for accidents and sicknesses. Routine care for “wellness” is not covered.
Pre-existing conditions:
Pre-existing conditions are covered if (1) you are 12 months treatment free from your pre-existi ng condition; or (2) you have been continuously insured through an insurance plan, or through your country or government for 18 consecutive months prior to enrolling in this TAMU insurance plan; or (3) you have been continuously insured for 12 months under any TAMU student plan.
Exception to pre-existing condition limitation: Maternity Policy Exclusions: Read your brochure carefully.
www.TAMUInsurance.com
800-452-5772
How do I file a claim?
1) Secure the necessary medical treatment.
2) Obtain itemized bills from your doctor or other provider.
3) Complete a claim form. Make sure you answer all of the questions or your reimbursement may be delayed.
4) Mail your completed claim form and itemized bills to Administrative Concepts, Inc. 994 Old Eagle School Road, Suite 1005 Wayne, PA 19087-1802
www.TAMUInsurance.com
800-452-5772
Options for Dental & Vision Coverage
Dental & Vision Insurance Option:
Choice of 3 plans with different co-insurance options Choice of $1,000, $1,500 or $2,000 annual maximum benefit No waiting period Optional Vision coverage Premium as low as $20 per month for annual coverage
Discount Card Option:
low annual premium for pharmacy, dental, and vision discounts Participating providers include all major vision and pharmacy chains No claim forms to complete Discount is immediate at the time of service
www.TAMUInsurance.com
800-452-5772
Information Available At: www.TAMUInsurance.com
Description of Coverage Dependent Enrollment Links Print Identification Card Preferred Provider Look-up Claim Forms Online Claim Status Inquiry Claim Procedures Frequently Asked Questions Student Insurance Survey Dental and Vision Coverage options
800-452-5772
Questions and Assistance
Contact AIP for personal attention
Monday through Friday, 8:00 a.m. to 7:00 p.m. (CST)
(800) 452-5772
or email us through www.TAMUInsurance.com
or contact our Representative in College Station (located in the Bank of America building):
Dunlap Financial Services (979) 260-9632