Overview of HTH Worldwide

Travel Abroad Health InsuranceUHS Managed Care

Policy Coverage – differences from old HTH-UM plan• Old: One plan for all populations &

all purposes

• New: Three plans, depending on population (students or employees) and purpose (university-related or personal/leisure)

• Plus: 4th plan providing blanket coverage for Security/Natural Disaster Evacuation for all--regardless of purpose of trip.

• Note: New employee plan for university-related business is provided on blanket basis--no individual purchase necessary

Policy Coverage – similarities to old HTH-UM plan shared by all 3 plans• Generous coverage amounts

($500,000 overall, less for some specific benefits)

• Pre-existing conditions are covered-- though the plans may not be used for the purpose of traveling abroad for medical treatment

• International medical care network, vetted by HTH, is provided; HTH manages medical care; many additional services provided

• Direct payment to medical providers is provided whereever possible

• Coverage for spouses, domestic partners, & dependents (traveling with the insured) is available

Policy Coverage – “Study Abroad” plan• Student Plan, for students engaged

in all University-related activities with an educational purpose

• Required for those students (including GRADUATE students)

• May be purchased by faculty under some conditions (i.e. sabbaticals exceeding 180 days)

• Cost=$1.25 per day + $5 admin fee

• Must be purchased either by students (using credit card) or admins (via roster)

• Covers leisure activities too, when primary purpose is educational

• Has fewest exclusions of all plans

Policy Coverage – “Leisure/Personal” plan• For either students or employees

for strictly leisure/personal travel abroad

• NOTE: MAY ONLY BE PURCHASED BEFORE LEAVING U.S. (unlike Study Abroad plan)

• Cost=$1.25 per day + $5 admin fee

• Must be purchased by individuals

• EXCLUSIONS: for risky sports and war

• AGE LIMIT: Under age 81; must be current student or employee to be eligible.

Policy Coverage – Employee “Business Traveler (BT)” plan• For employees (Faculty & Staff)

engaging in University-related travel

• Blanket plan, no individual purchase necessary, but “sign-in” recommended

• Covers leisure travel too, when primary purpose is for University-related business

• NOTE: 180 days per trip maximum duration. When limit reached, employee may purchase “Study Abroad” plan

• EXCLUSIONS for some risky sports

Policy Coverage – Employee “Business Traveler (BT)” plan (continued)• Upper age limit: Covered individual

must be under 81 years old

• Retirees are not eligible.

• Alumni are not eligible.

• Spouses, domestic partners, & children (under age 22) are covered when traveling with the insured

Policy Coverage, 4th plan – Security & Natural Disaster Evacuation (HTH/OnCall)• Blanket plan, no individual purchase

necessary & no sign-in needed

• Covers all types of travel

• Triggered by (severe) State Department Travel Warning, ordering evacuation of Americans

• EXCLUSION for Afghanistan

• Spouses, domestic partners, & dependents are covered when traveling with the insured

How to purchase or sign-in for plans?

From within the Travel Registry only:

http://globalportal.umich.edu/register-travel.php

Note: Provost requires all persons (students & employees) on University-related travel abroad to register their trip in the Travel Registry

Where may I find more information about the plans?

From the special UHS website:

http://www.uhs.umich.edu/tai/

FAQs: Students

Q: Are Graduate/Professional students doing educational activities abroad required to purchase the plan?

A: YES (New requirement by Provost; Undergrads have had this requirement since 2008).

Q: Are students who are University employees (GSI, GSRA, Rackham Fellows, Work-Study, etc.) covered by the Business plan?

A: NO, unless they are traveling on University business. Otherwise they should purchase the Student (or Leisure) plan.

FAQs: Students (continued)

Q: Are students studying abroad on a non-UM program (for transfer credit) required to purchase the student plan?

A: These students should be strongly encouraged to purchase the plan.

Q: Are international students required to purchase the HTH student plan (when going outside the U.S. for educational purposes)?

YES, to avoid out-of-pocket medical expenses & to give access to the HTH medical network. Under special circumstances, a request to waive this requirement may be considered.

FAQs: Leisure/personal travel

Q: The personal/leisure traveler is abroad and wants to by the plan—is that possible?

A: NO. Unlike the Study Abroad plan, purchase may be made only before leaving the U.S.

Q: Is leisure/personal travel covered by the other plans (Student & Business)?

A: YES, as long as the primary purpose of the trip abroad is University-related.

FAQs: Employee Business Plan

Q: Who is covered by this plan?

A: Any University employee (faculty and staff) who travels abroad on University-related business. Temporary/part-time staff are covered just like “regular” staff who receive University Benefits.

Q: Who is not covered?

A: University employees who are traveling abroad exclusively for leisure or personal reasons—they may purchase the Leisure plan.

FAQs: Employee Business Plan (cont.)

Q: Since this is a blanket-coverage plan, is sign-in necessary?

A: Insurance coverage for UM business travelers is automatic, but signing-in to the HTH Business site is beneficial for obtaining information on HTH services & benefits, such as the international medical care network. Business travelers are required to register their trips in the Travel Registry.

Q: How do I sign-in?

A: From within the Travel Registry. You’ll find a code for UM which allows sign-in.

FAQs: Employee Business Plan (cont.)

Q: I tried signing-in using a mobile device but was denied entry.

A: Those who purchased the old HTH plan should use their old password for mobile sign-in. If there’s still a problem, contact UHS or HTH.

Q: I’ll be on sabbatical for longer than 180 days—can I be covered under the Business plan?

A: If you return to the U.S., the time re-starts. Should you stay abroad longer than 180 days, you may purchase the “Study Abroad Plan” before the 180 day limit. Also, check with the Benefits Office re “Out of Area” coverage under your regular plan.

FAQs: Employee Business Plan (cont.)

Q: Are post-docs covered?

A: Yes, if they are a University employee traveling on University business.

Q: Are family members covered?

A: Yes, if traveling with an employee traveling on University business, spouses, domestic partners and children under age 22 are covered.

Q: Are retirees or alumni eligible?

A: No.

Q: Is personal/leisure travel before or after the business part of the trip covered?

A: Yes.

Where may I find more information about the plans?

From the special UHS website:

http://www.uhs.umich.edu/tai/

Any questions? Contact Laurie Burchett at UHS:

UHS Managed Care/Student Insurance OfficeFor questions or assistance with the planTelephone 734-764-5182Toll-free 866-368-0002Email mancare-stuins@umich.edu

OverviewPREPARE• HTH’s proprietary online databases and interactive tools give

traveling students and scholars the resources to travel safely, despite chronic health conditions, travel-related illnesses and security risks.

ASSIST• Participants studying overseas, HTH Worldwide combines the

convenience of online services with the personal touch of toll-free calling from within the United States or easy access from anywhere around the world.

• 24/7 availability

The Plans

• Education Abroad– For UM students, faculty/staff on educational travels

abroad– Purchased by roster (HTH Advisors) or individual

enrollment (HTH Students) via websites• Leisure Travel

– Available to all active UM students, faculty & staff– Individual purchase on HTH Students website

• Business Travel– Blanket university-wide coverage for faculty/staff on short

term travel (maximum 180 days)– HTH Business website for HTH registration only – no

enrollment needed• On Call Political Natural Disaster Evacuation

– Blanket university-wide coverage for all travelers– No enrollment/HTH registration needed

Policy Coverage – Education AbroadMEDICAL EXPENSES Limits – Eligible Participant

Period of Coverage Maximum Benefits $500,000 Maximum Benefit per Injury or Sicknesses $500,000 Period of Coverage Deductible $0 per Injury or SicknessACCIDENTAL DEATH AND DISMEMBERMENT Maximum Benefit: Principal Sum up to $25,000REPATRIATION OF REMAINS Maximum Benefit up to $100,000MEDICAL EVACUATION Maximum Lifetime Benefit up to $200,000BEDSIDE VISIT Up to a maximum benefit of $1,500Physician Office Visits, Inpatient Hospital Services, Emergency Hospital Services, and Hospital and Physician Outpatient Services

100% of Reasonable Expenses

Maternity Care for a Covered Pregnancy Reasonable ExpensesInpatient treatment of mental and nervous disorders including drug or alcohol abuse

Reasonable Expenses

Outpatient treatment of mental and nervous disorders including drug or alcohol abuse

Reasonable Expenses

Treatment of specified therapies, including acupuncture and Physiotherapy

Reasonable Expenses up to $5,000 Maximum combined total for Inpatient and Outpatient care, up to 30 days immediately following the

attending Physician’s release for rehabilitation following a covered Hospital confinement or surgery per Period of Coverage.

Repairs to sound, natural teeth required due to an Injury 100% of Reasonable Expenses up to $500 per Period of Coverage maximum

Outpatient prescription drugs including oral contraceptives and devices

100% of Actual Charge

Medical treatment received in the Home Country, if NOT covered by Other Plan

100% of Reasonable Expenses up to $10,000 Period of Coverage lifetime maximum

Hearing Services 100% of Reasonable Expenses up to $1,000 per individual hearing aid per ear every 3 years for covered Dependent Children under age 24.

Scalp Prosthesis 100% of Reasonable Expenses for scalp hair prosthesis for up to $500 per Period of Coverage

Lead Poisoning 100% of Reasonable Expenses

Low Protein Food Products 100% of Reasonable Expenses

Policy Coverage – Leisure TravelPolicy Maximums Insurer pays up to Per Insured Person

Trip Period Maximum Benefits $500,000

Period of Insurance Maximum Benefits $500,000

Professional Servicesa. Surgery, anesthesia, radiation therapy, in-hospital doctor visits,

diagnostic X-ray and labb. Office Visits: including X-rays and lab work billed by the

attending physician.

100%

Inpatient Hospital Servicesa. Surgery, X-rays, In-hospital doctor visitsb. In-patient medical emergency

100%

Ambulatory Surgical Center 100%Outside the U.S. Outpatient prescription drugs 100% of Covered Expenses

Dental Care required due to an Injury 100% of Covered Expenses up to $500 maximum per Period of Insurance

Physical and/or Occupational Therapy/Medicine Maximum payment of $50 per visit and maximum of 24 visits per Period of Insurance

Medical treatment received in the Home Country, if NOT covered by Other Plan

100% of Covered Expenses up to $10,000 maximum per Period of Insurance

Accidental Death And Dismemberment Maximum Benefit: Principal Sum up to $25,000Repatriation Of Remains Deductible is not applicable. Maximum Benefit up to $100,000

Medical Evacuation Deductible is not applicable. Maximum Benefit per Period of Insurance for all Evacuations up to $200,000

Bedside VisitDeductible is not applicable. Maximum Benefit per Period of

Insurance up to $1,500 for the cost of one economy round‑trip air fare ticket to, and the hotel accommodations in, the place of the Hospital

Confinement for one (1) person

Policy Coverage – Business TravelBenefits Insurer paysTrip Period Maximum Benefits $500,000Professional Servicesa. Surgery, anesthesia, radiation therapy, in-hospital doctor visits,

diagnostic X-ray and lab100%

b. Office Visits: including X-rays and lab work billed by the attending physician. 100%

Inpatient Hospital Servicesa. Surgery, X-rays, In-hospital doctor visits 100%a. In-patient medical emergency\ 100%Ambulatory Surgical Center 100%Ambulance Service (non Medical Evacuation) 100% up to $1,000Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor)

Limited to Trip Period Maximum or $10,000 whichever is less

Medical treatment received in the Home Country Not CoveredIn the Home Country Outpatient prescription drugs Not CoveredOutside Home Country Outpatient prescription drugs 100% of Covered Expenses

Dental Care required due to an Injury100% of Covered Expenses up to $200 with maximum per Trip

Period and $200 per toothDental Care for Relief of Pain 100% of Covered Expenses up to $100 per Trip Period and

$100 per toothRepatriation Of Remains Deductible is not applicable. Maximum Benefit up to $25,000

Medical EvacuationDeductible is not applicable. Maximum Benefit per Trip Period

for all Evacuations up to $250,000

Bedside Visit

Deductible is not applicable. Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round‑trip air fare ticket to, and the hotel accommodations in, the place of the

Hospital Confinement for one (1) person

Spouse Coverage Yes

Sojourn Coverage Yes

Policy Coverage

On Call Political/Security and Natural Disaster Evacuation

• $500,000 Aggregate per Event

• Political Evacuation/Repatriation

• Natural Disaster Evacuation /Repatriation

• Combined Single Limit of $5,000 per Participant for a single One-way Economy Fare, airline ticket and reasonable lodging expenses not to exceed $100 per day subject to a maximum of three (3) days while the Participant is delayed at a safe haven.

• Blanket coverage for ALL university travelers (Education Abroad, Leisure and Business Traveler)

 

hthadvisors.com

hthparents.com

hthstudents.com

hthbusiness.com

UM Group Enrollment

Well Preparedsm

• Describe health and security risks

• Detail necessary immunizations

• Translate brand name medications

• Interactively select family physicians

• Create Medical Passport

• Arrange online medical records storage

• Arrange medical lifeline in remote areas

• Profile HTH global provider community

Getting Started Education Abroad and

Leisure Travel Sign-In Instructions

1.Go to hthstudents.com and click on the ‘Welcome! Please ‘Sign In’ link in the top right-hand corner.

2.Login with your e-mail address, click on ‘No, I’m a new customer’ and then, ‘Sign In”.

3.Enter the first nine digits of your certificate number (see ID card above), re-confirm your e-mail address and hit ‘Submit’. If you don't have a certificate number, please contact your advisor, or call HTH Worldwide at 1.888.243.2358.

4.Review and accept the brief Site Use Agreement.5.Enter your first and last name, create a password (must

contain letters and at least 1 number), confirm password and hit ‘Submit’.

Getting Started Business Travel

Sign-In Instructions

• 1. Go to www.hthbusiness.com and click on the Welcome! Please Sign In link in the upper right-hand corner.

• 2. Enter your e-mail address, choose „No, I’m signing up for the first time‟ and click on Sign In.

• 3. Under Plan Members, enter your Group ID, 18421-UMBT-BTG180, reconfirm your e-mail address and submit.

• 4. Review and accept the brief Site Use Agreement. Enter your first and last name, create a password (must contain letters and at least 1 number), confirm password and submit.

• 5. Once registered, download and print your ID card. This option is available in My Benefits under Plan Details. If you have questions or need assistance, please call the HTH Assistance Center toll-free within the U.S. 1.888.243.2358 or collect outside the U.S. +1.610.254.8769.

My Profile – Spain

Doctors and Appointments

Contracted Physicians

Hospitals and Clinics

Pharmacies

Medications

Security Brief - Madrid

What to do if you’re sick or injured

• Go immediately to the nearest physician or hospital • Contact HTH’s Global Health and Safety services

• Identify yourself as a member of The University of Michigan group plan

• Contact HTH and your program advisor

HTH Worldwide Assistance Services -- +1.610.254.8771

(collect calls from outside the United States are accepted)

Toll Free Inside the U.S. -- 1.800.257.4823

HTH ID Card

Questions?

Contact InformationFor Questions Contact: UHS Managed Care Insurance OfficeTelephone: 734.764.5182Email: mancare-stuins@umich.eduWebsite: www.uhs.umich.edu/tai, www.hthstudents.com