Benefits Office
• Campus mail address: 120-40 USB
• Telephone number: (319) 335-2676
• Toll-free number: (877) 830-4001• Web page: http://hr.uiowa.edu/benefits
Located at the corner of Prentiss and Capitol Streets
Mandatory Insurance
• The University of Iowa requires all international students or Students in the Health Sciences to have medical insurance.
– Medical care is expensive– No government assistance available
The University of Iowa
• Insurance Plans– Student Health Insurance Plan (SHIP)– UIGRADCare– Dental Insurance
SHIP Coverage
• Undergraduate and graduate students
• $130 per month for single coverage • $135 per month starting 9/1/14
• Care through Alliance Select providers
SHIP Coverage
• Worldwide coverage– Office visits to physicians– Routine Physicals– Pap smears and pelvic exams– Immunizations – Hospitalization– Surgery– Imaging and laboratory tests– Prescriptions– Mental Health– Repatriation
SHIP Coverage
• Co-payments– $10: office visit, lab test, imaging– $50: emergency room
• Coinsurance– 10%: hospitalization after $300 deductible
Example: 2 day hospital stay = $3,000
You pay: $300 deductible10% of $2,700 = $270Your total cost: $570
SHIP Coverage
• Prescription coverage: 3 Levels– Generic Drugs
25%
– Name brand formulary drugs30%
– Name brand nonformulary drugs50%
SHIP Coverage
• Exclusions (services not covered)– Routine eye and hearing exam– Glasses– Dental care (accidents only)
• No lifetime maximum on policy
UIGRADCare Coverage
• Only available for – Graduate students
– Students in health sciences • Primary care through Student Health Service, UIHC
Clinics, and Community Medical Service Clinics– Family members receive care through the UIHC and
Community Medical Service Clinics
• $242 per month single coverage • $247 per month starting 9/1/14
UIGRADCare Coverage
– Office visits to physicians– Hospitalization– Surgery– Imaging and laboratory tests– Annual physicals– Annual vision and hearing exams– Prescription drugs– Mental health and chemical
dependency care– Repatriation
UIGRADCare Coverage
• Office visits, eye/hearing exam, immunizations– $10 co-pay
• Annual physicals– Free
• Coinsurance– 10%: imaging and lab, hospitalization after $125 daily
deductibleExample: 2 day hospital stay = $3,000
You pay: $125 x 2 = $250 and 10% of $2,750 = $275Your total cost: $525
UIGRADCare Coverage
• Prescriptions– $7 or 25%, whichever is greater
• Mental Health– Participating providers list (http://www.wellmark.com)– Providers under Blue Access- mental health only
$10 co-pay for participating providers 50% coinsurance for non-participating providers
UIGRADCare Coverage
• Out-of-Pocket Maximum (OPM)– $1,200 Single– $1,800 Family
• Prescription OPM– $1,200 Single– $1,800 Family
• No lifetime maximum on policy
Dental Insurance
• Delta Dental of Iowa– Participating: File claims and accept payment
arrangements.
– Non-participating: Claims settled directly with you and you are responsible for paying provider.
• $21 per month for single coverage• $25 per month for single starting 9/1/14
Dental Insurance Plan
• Diagnostic and preventive services
– Cleaning, oral evaluation, imaging, etc.No cost
• Restorative services
– Cavity repair, tooth extraction, root canals, etc.$25 deductible/per person + 20%
• High cost restorations
– Crowns, inlays, dentures, and bridges$25 deductible/per person + 50%
• Maximum of $1,000 per individual per year
Graduate Assistants & Fellows
Assistantship of at least 25% timeFellowship of at least $9500.00 per year
• University contributes toward cost of policies
• If you and your spouse both have assistantships, you will need to indicate that on your Employed Grad application form.
• Application forms are required. It is NOT automatic.
Graduate Assistants & Fellows
• Benefits begin on the first day of the month following the first day of work AND completion of enrollment form.
• Premiums will be deducted from your paycheck.• June paycheck will pay for three premiums – triple dip.
Application Process
• Complete application during open enrollment period (Aug 1- Sep 5, 2014) if you are:
– Enrolling in UIGRADCare or SHIP– Enrolling in dental insurance– Adding family members (this will increase your
premiums)
• Changes can only be made– During Open Enrollment– Within 30 days of an event
• Marriage• Divorce• Birth (60 days)• Arrival in U.S.• Spouse beginning or ending job
• Changes take effect the 1st of the month following the event, except for birth.
Changes During the Year
Identification Cards
• Present card when visiting physician or hospital
• Phone numbers listed on card– Pre-certification for hospitalization– Customer Service (claims questions)
• Contact the Benefits Office– Corrections of names or birth dates– New cards
NameMember Number
NameMember Number
Forms
• Booklets available and Coverage Manuals– University Benefits Office– On-line at: http://hr.uiowa.edu/benefits