What will Student Health Insurance cost me?
The premium is $2,602 for the 2013-2014 policy year. You will be charged $1,055 when you register for the fall semester and $1,547 when you register for the spring semester.
How do I enroll? Am I eligible?
All degree, diploma, online only, visiting, mobility (study abroad), Lang and Parsons consortium, graduate certificate program, ESL + Design program, ESL + Music program, and graduate and undergraduate degree program nonmatriculating students are eligible and are automatically enrolled and charged for Student Health Insurance at the time of registration.
Plan 1: Basic Accident only
All students who pay only the Student Health Services fee have access to Student Health Services and are covered by Plan 1, the Basic Accident Plan. Coverage begins at 12:01 a.m. on August 20, 2013, and continues until 12:01 a.m. on August 20, 2014. For students who do not return for the spring 2014 semester, coverage under Plan 1 ends at 12:01 a.m. on January 15, 2014.
Plan 2: Accident and Sickness
All students who pay the Student Health Insurance fee are covered by Plan 2, the Accident and Sickness Plan. The fee is $2,602 annually, charged in two installments: $1,055 at fall semester registration and $1,547 at spring semester registration. Coverage begins at 12:01 a.m. on August 20, 2013, and continues until 12:01 a.m. on August 20, 2014. For students who do not return for the spring 2014 semester, coverage under Plan 2 ends at 12:01 a.m. January 15, 2014.
||Plan 1: Basic Accident
||Plan 2: Accident and Sickness**
|All undergraduate students taking 6
or more credits, including ESL + Design and ESL + Music certificates
|Student Health Services per semester charge (currently $305) is mandatory and cannot be declined.
||$2,602 annual charge can be waived by submitting the Online Waiver Form with proof of other medical insurance coverage by the waiver deadline.
|All undergraduate students taking fewer than 6 credits and all graduate students
||Student Health Services per-semester charge ($305) can be declined by completing an Online Waiver Form and submitting it by the waiver deadline.
||$2,602 annual charge can be declined by completing the Online Waiver Form and submitting it by the waiver deadline.
**Note that you must be covered under Plan 1 in order to purchase Plan 2.
When does my medical insurance coverage begin and end?
Coverage for the premium year begins on 12:01 a.m. on August 20, 2013, and ends at 12:01 a.m. on August 20, 2014. Student Health Insurance is an annual policy, and partial coverage is not an option for eligible enrolled students. For students who were not enrolled for the fall semester, coverage for the spring semester is effective on January 15, 2014, as long as they register before the waiver deadline.
What does my insurance cover? How can I learn more about Student Health Insurance and Student Health Services?
You can pick up a 2013-2014 “Student Accident and Sickness Plan Highlights” flyer or a plan brochure at Student Health Services, or you can view the 2013-2014 Student Health Services and Student Accident and Sickness Insurance Plan brochure on the Aetna Student Health website at www.aetnastudenthealth.com. If you have specific medical care questions that are not addressed in the flyer or brochure, contact Aetna Student Health Customer Service at 800.878.1927. It is your responsibility to understand the nature and scope and limitations of the benefits and to know and meet all published deadlines.
How can I maximize my savings and reduce my out-of-pocket medical expenses?
Select a Preferred Provider. You will save significantly because of the substantially lower rates Aetna Preferred Providers have agreed to accept as payment for their services. You can find Preferred Providers online at Aetna’s DocFind Service at www.aetnastudenthealth.com. You can also speak to a representative of Aetna Student Health at 800.878.1927. Note: Preferred Providers are independent contractors and are neither employees nor agents of The New School, Aetna Student Health, Aetna Insurance Company of Connecticut (Aetna), or University Health Plans, Inc.
Why am I being charged a $305 Student Health Services fee in addition to the Student Health Insurance Premium?
This fee gives you access to the medical, counseling, and wellness and health promotion services provided on campus by New School Student Health Services, at 80 Fifth Avenue, 3rd floor. Most services are provided free of charge. This fee also includes the Basic Accident Insurance Plan (Plan 1), which is required by the university. The $305 per semester fee is mandatory for all undergraduates enrolled for six (6) or more credits, including those who may have their own personal accident insurance, and all students enrolled in the Student Health Insurance Plan regardless of their place of study (online only, study abroad, etc.). An undergraduate who registers for six (6) or more credits cannot waive the Student Health Services fee. The Basic Accident Plan covers students worldwide up to $10,000 per occurrence.
Where do I get an Online Waiver Form?
Students who do not wish to be enrolled in the Student Health Insurance Plan must submit an Online Waiver Form by the appropriate deadline. Go to www.universityhealthplans.com (select the "New School" link) to find the form and instructions for submitting it online.
Do I have to submit an Online Waiver Form every semester?
You must submit a new Online Waiver Form every fall semester. If you did not register for the fall but are taking classes in the spring semester, you must submit the Online Waiver Form for the spring. If you submitted an Online Waiver Form for the fall and the health services and/or insurance fees were removed, your waiver will carry over automatically for the spring semester; no action on your part is necessary.
The Student Health Insurance Plan is an annual policy; therefore, partial coverage is not an option. If a student uses the policy during the fall semester (that is, if the student or a doctor, lab, or other service provided submits a claim on behalf of the student to Aetna Student Health), the student is required to pay the full annual premium and will be billed at spring registration if still enrolled and eligible. Students entitled to waive the insurance who miss the fall waiver deadline but never use the policy can waive the second premium payment, billed when they register for the spring semester, by submitting the Online Waiver Form before the spring waiver deadline.
How can I find an Aetna doctor and Aetna pharmacy?
Go to www.aetnastudenthealth.com and use the Aetna DocFind tool to find a doctor, hospital, or pharmacy.
I’m graduating this year. Will that affect my insurance?
If you are graduating in December, you will be still be covered until January 15. (Your coverage for the fall semester begins at 12:01 a.m. on August 20, 2013, and continues until 12:01 a.m. on January 15, 2014.) Since you will not be registering for the spring semester, you will not be covered by Student Health Insurance after January 15. If you are graduating in May, your coverage will continue until 12:01 a.m. on August 20, 2014, provided that you are a registered student in the spring semester.
When will I receive my Aetna insurance ID card?
Aetna Student Health issues insurance ID cards as soon as they receive student enrollment information from The New School. Enrollment updates are sent to Aetna Student Health periodically at the beginning of every semester. The final list of enrolled students is forwarded to Aetna the day after the waiver deadline. Students who pre-register receive their ID cards earlier.
How do I get a prescription filled?
Make sure your medication is covered by the plan. Then just present your Aetna insurance ID card to the pharmacy. If you are enrolled but don't have your ID card, you can fill your prescription at an Aetna Preferred pharmacy by having the pharmacist contact Aetna Pharmacy Management at 800.238.6279 to verify your coverage. If you are not yet in Aetna’s system, you must pay for the prescription and submit the receipt and prescription stub with a completed Aetna Pharmacy Drug Claim Form for reimbursement directly by Aetna. To download an Aetna prescription claim form, go to www.aetnastudenthealth.com. Note: Students are updated in Aetna’s system two to four weeks after registering for classes.
I have Student Health Insurance, but I’m being told that my medical and prescription coverage has expired. Why?
To ensure that only registered students are enrolled in the Student Health Insurance Plan, Aetna does not update your enrollment information until it receives notification of your registration from The New School. The final list of eligible students is forwarded by the university the day after the waiver deadline. After Aetna has received your updated enrollment information, you can submit any new or denied claims for processing, and Aetna will reimburse you for any covered out-of-pocket expenses submitted. Students who are enrolled for the fall semester should be aware that this lapse could affect them in January and February. To avoid a lapse in coverage, register during the published registration periods for each semester.
What is a deductible?
A deductible is the dollar amount an insured person is responsible for paying before the insurance company will begin to pay. The Student Health Insurance Plan deductible is $100 per policy year.
Here is an example showing how the deductible works:
Your provider (doctor, lab, etc.) submits a bill to the insurance company and the charge is $300. The insurance company will automatically apply the first $100 to your deductible; you must pay the provider this amount. The insurance company will then pay a percentage of the remaining charge of $200; the percentage depends on whether the provider is an Aetna Preferred Provider or a non-preferred provider (see your Plan Brochure for details). If the provider is an Aetna Preferred Provider, the insurance company will pay 90 percent of the remaining $200 and you will be responsible for 10 percent; this is called your co-insurance amount. The provider will bill you $120 ($100 deductible and $20 co-insurance). The next time you submit a bill/claim to Aetna, you will be responsible only for the co-insurance amount of the covered medical expense, because you will have already met your deductible.
What should I do if my bill wasn't paid by the insurance company?
There can be several reasons for this. These are the steps you should take:
- Make sure that the provider (doctor, lab, etc.) has your insurance information. The provider needs a copy of your Aetna Insurance ID card. All the information the provider needs appears on your ID card.
- Make sure that the provider has sent your bill/claim to your insurance company (Aetna Student Health). You can contact Aetna Student Health at 800.878.1927 to verify that your bill/claim has been received.
- If the insurance company does not have a bill/claim from your provider, give the provider your insurance information again and ask the provider to send an itemized bill to Aetna Student Health.
- If the insurance company does have a bill/claim from your provider, you should receive an Explanation of Benefits (EOB) statement from the insurance company explaining how the claim was paid. The insurance company may ask for further documentation or information before it will process your claim; look for this request in the “Remarks” section on the EOB. Call Aetna Student Health Customer Service at 800.878.1927 if you do not understand the EOB or the request for additional information from you.
- Check your Explanation of Benefits (EOB) statement to determine what amount you are responsible for paying to your provider.
Are there claim forms?
Bills for medical services do not require a claim form. However, you must write on the bill that you are a New School student and include your student ID number. Mail a copy of your bill to Aetna, P.O. Box 981106, El Paso, Texas 79998.
To request reimbursement for prescriptions for which you have already paid, you have to complete a prescription drug claim form and submit it with a receipt and a prescription stub. Prescription drug claim forms can be obtained at the New School Student Health Services office or downloaded and printed from the Aetna Student Health website, www.aetnastudenthealth.com. Mail your prescription drug claim forms to Aetna, P.O. Box 14024, Lexington, Kentucky 40512. Note: Requests for reimbursement will be denied during the policy update period; wait until your enrollment is updated to mail your reimbursement request.
What is an Explanation of Benefits (EOB) statement?
An EOB is a form you receive from the insurance company each time a claim is submitted on your behalf. One copy is sent to you and one is sent to your provider (doctor, lab, etc.). The EOB explains how your claim was processed and/or paid. It will include some or all of the following information: the provider name, the date, the amount the provider billed, any discounts that apply, the amount paid and to whom it was paid, any amount applied to your deductible, the co-insurance amount for which you are responsible, or the reason for denial if your claim was denied.
Does the Student Health Insurance Plan cover dental treatment?
The Aetna Student Health Insurance Plan does not cover the cost of dental treatment, except for treatment resulting from injury to sound, natural teeth. Information about coverage for such injuries can be found in the Plan Brochure.
New York University College of Dentistry offers a dental plan for non-NYU students called Stu-Dent. Membership is open to full-time and part-time students of participating colleges and universities (including The New School) as well as their partners and dependent children. The enrollment fee is $235 per calendar year. Memberships follow the academic calendar year (September–August) regardless of the date of enrollment. For more information or to enroll in the Stu-Dent plan, go to the website. For more dental treatment options, click here for our dental options handout.
Does the Student Health Insurance Plan cover me if I am traveling or studying abroad?
Yes. The New School Student Health Insurance Plan provides worldwide coverage. As a participant in the Aetna Student Accident and Sickness program, you have access to emergency assistance services when you are traveling 100 miles away from our campus or outside your country of residence. You can call On Call International 24 hours a day, 365 days a year, at 866.525.1956 (in the United States) or 603.328.1956 (outside of the United States). On Call International provides a wide array of services to assist you in the event of an emergency, including evacuation and repatriation services. Any Emergency Travel Assistance Services are covered 100 percent as long as services are coordinated through On Call International.
Do I have online access to my personal insurance information, including EOB statements?
Aetna Navigator™ is your secure member website and is packed with personalized benefits and health information. You can take full advantage of the interactive website to complete a variety of self-service transactions online, including requesting a replacement ID card and viewing claim Explanation of Benefits (EOB) statements. Sign up for Aetna Navigator at www.aetnastudenthealth.com. If you need help, assistance is available toll free Monday through Friday, from 7:00 a.m. to 9:00 p.m. Eastern Standard Time at 800.225.3375.
What if I waive Student Health Insurance and later change my mind?
Students who waive the insurance cannot enroll after the waiver deadline. The Student Health Insurance Plan is an annual policy, and partial coverage is not an option. If you waive the Student Health Insurance, it is with the understanding that you have your own comparable health insurance policy. You should be certain that your personal health insurance will provide all necessary medical and mental health coverage before you decide to waive the Student Plan. For the fall 2013 semester, any attempt to enroll after September 24, 2013, is considered late enrollment. For the spring 2014 semester, any enrollment after February 24, 2014, is considered late enrollment. If you register for courses after these deadlines, you will not be eligible for Student Health Insurance for that semester regardless of your student status. Exceptions: Under certain unusual circumstances, late enrollment may be possible; speak with a Student Health Services representative before you register.
I waived the Student Health Insurance Plan for the current semester, but my personal insurance coverage will end before the semester ends. Can I enroll after my own insurance ends?
Yes. This is the only circumstance in which you are permitted to enroll in Student Health Insurance after the waiver deadline has passed. You must provide Student Health Services with proof (written documentation from your personal insurance company or employer) that your most recent medical coverage has terminated and complete a Request to Enroll Form within 30 days of termination of your personal insurance (contact Student Health Services at 212.229.1671, option 3). You will not be permitted to enroll if you fail to inform Student Health Services of the termination of your insurance before or within 30 days after the termination date. Your Student Health Insurance coverage will be effective approximately two (2) days after Student Health Services receives your documents. The full Student Health Insurance fee and the Student Health Services Fee for the current semester must be paid regardless of the date you enroll.
Can I enroll in the Student Health Insurance Plan if I am not attending school next semester?
No. Only students who are eligible and enrolled at The New School can participate in the Student Health Insurance Plan. If you need to find and purchase an individual policy to cover you when you are no longer a student, Student Health Services can provide you with a partial list of insurance providers to help you get started.
Am I still covered by the Student Health Insurance Plan if I withdraw from school before the end of coverage period?
Any student who withdraws from the university before the semester waiver deadline will receive a full refund of the Student Health Insurance fee as long as no claim against the plan has been paid. Any student who paid the Student Health Insurance fee and withdraws from the university after the semester waiver deadline will continue to be covered in the university-sponsored Student Accident and Sickness Insurance Plan (Plan 2) for the full policy period (the fall 2013 coverage period is August 20, 2013–January 14, 2014; the spring 2014 coverage period is January 15, 2014–August 19, 2014). No refund will be given. Any student who withdraws from the university for health reasons before the semester waiver deadline for a covered injury or illness can opt to remain covered by the university-sponsored Student Accident and Sickness Insurance Plan (Plan 2) for the remainder of that semester only by notifying the Student Health Services office at 212.229.1671, option 3. Please note that this option is available only to students who withdraw for documented medical reasons.