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Student Insurance & Healthcare
Northwestern University
International Students: 2019-2020
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Northwestern Insurance Requirements
• Northwestern requires all degree-seeking students to have comprehensive health insurance
• Students holding a J-1 or F-1 visa are required to remain enrolled in the Northwestern University Student Health Insurance Plan (NU-SHIP) for the entire time they are at Northwestern
• International students must confirm NU-SHIP enrollment annually
• Students confirm the NU-SHIP via online Coverage Selection Form in CAESAR (“Profile” section in CAESAR)
How to get your insurance ID card
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• Visit “aetnastudenthealth.com/northwestern”• Click “Get your ID card”• Use your student ID number found on your WildCard plus a “334” prefix• PLEASE NOTE! Your card will be available 4-5 business days AFTER you confirm
in CAESAR
“Covered” Does Not Mean “Free”
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• Evanston and Chicago Northwestern University Health Services (NUHS) are freefor students enrolled in the NU-SHIP
• When seeing a Specialist outside the NUHS you are covered by the NU-SHIP, BUT:o You must have a referral from NUHS unless you need emergency services. o Without a referral you will be charged a $50 penalty fee (This includes going to an Immediate Care Facility during open hours at the NUHS)
o There is a $100 co-pay when you go to the Emergency Room and are not admitted to a room for overnight care
o Covered services outside of NUHS are subject to the plan benefits
NU Student Health Insurance Plan:
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Breakdown of Out-of-Pocket CostsSeptember 1, 2019 - August 31, 2020
Premium: The amount of money you’re charged to be enrolled in your health insurance ($4,050 on Student
Account)
Deductible: The amount you pay in claims before your insurance plan starts to cover your medical costs ($250)
Co-insurance: The percentage of your medical costs that you are responsible for paying after the deductible has
been met (80/20 for in-network!)
Co-pay: The set amount charged to the member for a particular service or item (Rx ONLY!)
Annual out-of-pocket maximum: The maximum amount of money you pay annually for medical costs before
your plan starts to cover expenses at 100%. ($2,000)
PLEASE NOTE! When seeing an out-of-network provider:o You are responsible for a $500 deductibleo You are responsible for 40% co-insuranceo There is no out-of-pocket maximum
Annual Deductible(add'tl $250 Out of Network)
Coinsurance(Out-Of-Network 60%/40%)
Co-PaysRx
Out-Of-PocketMax
No Out of Network Max!
$250
$2,000=100%$10, $30, or
$60
80%/20%
How to find an In-Network Doctor
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• Visit “aetnastudenthealth.com/northwestern”• Click “Find a Network Provider”• Enter your location (zip code, city, county, or state)• Select “Open Choice PPO” under “Student Health Medical Plans• Search either by provider type or search for a specialist by name• The search results will indicate if the provider is in-network
Northwestern Medicine is NOT
Northwestern University!
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• However, Northwestern University has contracted with Northwestern Medicine to provide Primary Care on the Chicago Campus in parallel to services offered on the Evanston campus at NUHS.
• Northwestern Medicine Immediate Care Centers are NOT part of the agreement, and services will be subject to the deductible, coinsurance, and out of pocket amounts.
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Accessing Healthcare at
NU Health Service Chicago Campus
Health Service-ChicagoNorthwestern Medicine , General Internal Medicine675 N. St. Clair, Suite 18-200, Chicago• Hours — Mon, Tues, Wed: 8 am-7 pm;
Thurs, Fri: 8 am-5 pm;
• To schedule an appointment: 312.695.8134 and state you are a Northwestern University Student
• Present Aetna insurance card and WildCard
https://www.northwestern.edu/healthservice-chicago/
NU-SHIP Additional Benefits
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Vision discounts – via EyeMed network• Get discounted eye exams, glasses, contact lenses – just by showing
your NU-SHIP ID card
On Call International (Travel Benefits)• 24/7 worldwide medical information and assistance, including medical
evacuation support
• Travel assistance and support (i.e. Lost or stolen bags/passports etc.)
VitalSavings on Dental – $26 annual cost• Provides 5-50% discount on dental services and products
For additional information, see
www.aetnastudenthealth.com/northwestern
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Additional Insurance Needs:Dental and Vision
Optional Dental & Vision insurance plans
through Delta Dental of Illinois
• 6-month or 12-month plan options
• Fall & Spring open enrollment periods
o Fall: August 1 - October 1, 2019
o Spring: February 1 – March 31, 2020
https://nustudenthealth.com/ & https://nustudenthealth.com/vision/)
Students rarely anticipate dental and vision needs, but every year we have many students who face large out-of-pocket costs because they did not enroll in dental/vision insurance
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Additional Insurance Needs: Supplemental Accident and Sickness Plans
Optional Supplemental Accident and Sickness Plan through CHUBB
(This is NOT a comprehensive health insurance plan)
If you have an accident and are hospitalized this coverage will provide the
funds to pay your bills, child care, pet care, or anything else you choose to
spend it on.
• 6-month or 12-month plan options
• Hospital Admission Benefit
• In-Hospital Benefit
• Emergency Room Benefit & more
https://nustudenthealth.com/
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Have questions, or need more information?
Contact the Student Health Insurance Office for information on:
• Northwestern University insurance requirements and deadlines
• The annual confirmation process
• NU-SHIP plan benefits
• Claims or billing issues
• Finding an in-network provider
Website: www.northwestern.edu/student-insuranceEmail: [email protected]: 847.491.3621
Northwestern University
Health Service
Patient Support Services
International Student Orientation: 2019-2020
Northwestern PATIENT SUPPORT SERVICES
Patient Support Services Advising Resource
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Accessing Healthcare at
NU Health Service
PATIENT SUPPORT SERVICES
Health Service - Evanston633 Emerson Street• Hours — Monday thru Friday: 8:30 am-5 pm (Tuesdays open till 6pm)
Saturdays: 9am – 11:30am for Urgent care ONLY!
• To schedule an appointment: 847.491.2204
https://www.northwestern.edu/healthservice-evanston/
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Northwestern PATIENT SUPPORT SERVICES
PATIENT SUPPORT SERVICES
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Patient Support Services
PATIENT SUPPORT SERVICESPATIENT SUPPORT SERVICES
Guidance navigating healthcare resources.
Financial support options for student medical expenses
Assistance coordinating health care provided external to NU Health
Service
Interpreting medical bills and help with estimating cost
NUHS Patient Satisfaction
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Patient Support Service
Schedule an appointment with meEmail: [email protected]
Finding External Care Understanding Costs Financial Assistance
PATIENT SUPPORT SERVICESPATIENT SUPPORT SERVICES
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Have questions or want to make an
appointment?
For more informationWebsite: Patient SupportPhone: 847.467.6385Location: 633 Emerson St. Suite 1.114
PATIENT SUPPORT SERVICES
Email: [email protected]
