CSL Insurance

Concordia SeminarySeminary Student Health Care Coverage

Concordia Health Plan of Concordia Plan Services

Eustolio Gomez

Director of Education

Expanded Coverage, Greater Value for Students and Families

NEW Concordia Health Plan Coverage for Seminary Students

“Option CSS”

Effective Date

• August 1, 2009 for returning students

• September 1, 2009 for new students

Plan Year

• Returning students will have a 13 month plan– August 1, 2009 – August 31, 2010

• First plan year only

• New students for 2009-2010 school year– September 1, 2009 – August 31, 2010

Eligibility:All Residential Students Who…

• Are taking 7 or more credit hours

• Are on a vicarage

• Deaconess students during internship

• Are in an approved foreign exchange program

Enrollment

• Enrollment is mandatory for all residential students unless they qualify as an eligible opt-out

• Dependent enrollment is optional

Payment

• Coverage is paid by the student– Will be billed by the seminary

Rates

• Self only $ 227 / month

• Self & spouse $ 535 / month

• Self & children $ 512 / month

• Family $ 819 / month

Coverage Continuation

• Can continue up to 6 months

• Can continue up to 12 months if the student is writing a dissertation

• Can continue up to 12 months if the student is waiting for a call

• Enrollment and coverage continues over the summer months whether or not the student is attending classes

Coverage Outline – in Network

• Plan Year Deductible – $ 500 individual / $ 1,000 family

• Coinsurance: 20%• Plan Year Coinsurance maximum

– $ 3,000 individual / $ 6,000 family

• Preventive Care: $ 0• Office Visit: $ 25• Hospital: 20% after deductible is met• Emergency Room visit: $100 copay (waived if admitted)

Prescription Drug Coverage

Short-term drugs Retail – up to 30-day supply• Generic $ 10• Formulary $ 25

• Non-formulary $ 50

Long-term drugs Preferred Home Delivery Maintenance – up to 90-day supply• Generic $ 20• Formulary $ 25• Non-formulary $100

Dental Coverage

• Preventive Care (covered 100%) $ 0• Diagnostic Care (covered 100%) $ 0• Annual Deductible $ 50 / person• Maximum Benefit in Plan Year $ 1,500• Basic Restoration in Plan Year 20% after deductible• Major Restoration in Plan Year 50% after deductible• Orthodontia for 50% with lifetime

dependent children maximum of $ 1,250

Other Coverage

• Mental Health / Substance Abuse Care Benefits & Employee (Student) Assistance Programs administered by CIGNA Behavioral Health

• Be Well…Serve Well• Health & Wellness Programs administered by CareAllies • Vision Care Benefits administered by Vision Service

Plan• Hearing Discount Program administered by HearUSA• Maximum lifetime health care benefits: $ 5,000,000

In-Network Coverage

• To find a doctor or hospital or facility

www.bluecrossmn.com/concordia

• To find a dentist, vision care, or mental health www.ConcordiaPlans.org – Click on “Providers”

Next Steps

• Review and know deadlines• Complete Enrollment Material• Return the completed forms to the designated

person• You will receive a “Welcome Kit” from

Concordia Plan Services• Blue Cross Blue Shield of Minnesota will send

your ID card• Express-Scripts will send your ID card

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Thank You!

For more details about your coverage, visit www.ConcordiaPlans.org