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Benefits at A BENEFITS AT A GLANCE STUDENT HEALTH INSURANCE PLAN | PLAN YEAR 2019/2020 DESIGNED EXCLUSIVELY FOR THE STUDENTS OF: Policy Number: CCIC1920WVSHIP57 MARSHALL UNIVERSITY Group Number: ST0574SH Huntington, WV Effective: 8/1/2019 - 7/31/2020 (“the Policyholder”) UNDERWRITTEN BY: ADMINISTERED BY: Commercial Casualty Insurance Company | Fort Wayne, IN Wellfleet Group, LLC. (“the Company”) WVSHIP57 6.4.19 MARSHALL UNIVERSITY 2019 - 2020 STUDENT HEALTH INSURANCE PLAN Table of Contents (Click on section title below to go to section in “Benefits at a Glance.”) Welcome Students… ...................................................................................................................................................... 2 Where to Find Help........................................................................................................................................................ 3 Am I Eligible? ................................................................................................................................................................. 3 How Do I Waive/Enroll?................................................................................................................................................. 4 Effective Dates & Costs .................................................................................................................................................. 4 Preferred Provider Organization (PPO) Network .......................................................................................................... 4 Marshall University Health Insurance Benefit Summary ............................................................................................... 5 Pre-Certification..................................................................................................................................................... 6 Exclusions and Limitations ............................................................................................................................................. 6 Value Added Services .................................................................................................................................................. 10 Welcome Students… We are pleased to provide you with this summary of the 2019 – 2020 Student Health Insurance Plan (“Plan”), which is fully compliant with the Affordable Care Act. “Benefits at a Glance” includes effective dates and costs of coverage, as well as other helpful information. For additional details about the Plan, please consult the Plan Certificate and other materials at www.wellfleetstudent.com. For questions about medical benefits or claims, please call Wellfleet Student at (877) 657-5030. 2 Wellfleet Student 2077 Roosevelt Ave. Springfield, MA 01104 MARSHALL UNIVERSITY 2019 - 2020 STUDENT HEALTH INSURANCE PLAN Where to Find Help For Questions About: Please Contact: Insurance Benefits Enrollment Wellfleet Group, LLC. Waiver 2077 Roosevelt Avenue Claims Processing Springfield, Massachusetts 01104 ID Cards (877) 657-5030 Preferred Provider Listings www.wellfleetstudent.com ID card Requests Qualifying Life Event Enrollment Joe Stanton Thornburg Insurance Agency 520 S. Walnut Street Servicing Agent P.O Box 133 Bloomington, IN 47402 (812) 369-8864 Wellfleet Student www.wellfleetstudent.com Preferred PPO Provider Listings or Multiplan www.multiplan.com Wellfleet Rx Prescription Drug Provider www.wellfleetstudent.com Am I Eligible? All registered Medical and Pharmacy students taking 1 or more credits are required to have health insurance coverage, either through this Student Health Insurance Plan or through another individual or family plan. Students are automatically enrolled in the Student Health Insurance Plan unless proof of comparable coverage is provided by completing the waiver. Insurance premiums are not a billable item of the university since it is not required of all degree programs, therefore this cost is NOT included in tuition. Students are responsible for paying the insurance premium amount by the given deadline. Please contact your financial aid officer to see if aid for this coverage may be available to you. Insured Students who are enrolled in the Student Health Insurance Plan may also enroll their eligible dependents. 3 Wellfleet Student 2077 Roosevelt Ave. Springfield, MA 01104 MARSHALL UNIVERSITY 2019 - 2020 STUDENT HEALTH INSURANCE PLAN How Do I Waive/Enroll? If You are eligible to be covered under this Plan, You are automatically enrolled, unless You waive coverage. To document proof of comparable coverage, students need to complete the online Waiver Form and submit it prior to the start of the school year. The deadline to waive for the annual plan is 09/09/2019. To submit the online Waiver Form: 1. Go to www.wellfleetstudent.com, enter your school name; 2. Click on the Waiver link; and 3. Complete all of the required information as directed. • ANNUAL WAIVER DEADLINE – 09/09/2019 Effective Dates & Costs All time periods begin at 12:00 A.M. local time and end at 11:59 P.M. local time at the Policyholder's address. Coverage Period Coverage Start Date Coverage End Date Enrollment/Waiver Deadline Annual 8/1/2019 7/31/2020 9/9/2019 -------------------------------------------------------------------------------------------------------------------------------------------------------- Fall 8/1/2019 12/31/2019 -------------------------------------------------------------------------------------------------------------------------------------------------------- Spring/Summer 1/1/2020 7/31/2020 (new students only) -------------------------------------------------------------------------------------------------------------------------------------------------------- Plan Costs for Medical & Pharmacy Students and their Dependents Annual Fall Spring/Summer (new students only) Student* $5,432 $2,271 $3,161 -------------------------------------------------------------------------------------------------------------------------------------------------------- Spouse* $5,432 $2,271 $3,161 -------------------------------------------------------------------------------------------------------------------------------------------------------- Each Child* $5,432 $2,271 $3,161 -------------------------------------------------------------------------------------------------------------------------------------------------------- 3 or more Children* $16,296 $6,813 $9,483 -------------------------------------------------------------------------------------------------------------------------------------------------------- *The above plan costs include an administrative service fee. The plan costs for Dependents are in addition to the plan costs for student. Preferred Provider Organization (PPO) Network …providing access to quality health care at discounted costs! By enrolling in this Plan, you have the Multiplan PPO Network of participating Providers. To find a complete listing of the Network’s participating Providers, go to www.multiplan.com, or contact Wellfleet Student toll-free at (877) 657-5030, or www.wellfleetstudent.com for assistance. 4 Wellfleet Student 2077 Roosevelt Ave. Springfield, MA 01104 MARSHALL UNIVERSITY 2019 - 2020 STUDENT HEALTH INSURANCE PLAN Marshall University Health Insurance Benefit Summary This is only a brief description of coverage available under Certificate form WV SHIP CERT (2019). The Certificate will contain full details of coverage, coinsurance, limitations, exclusions, and termination provisions. If there are any conflicts between this document and the Certificate, the Certificate governs in all cases. UNLESS OTHERWISE SPECIFIED BELOW THE MEDICAL PLAN DEDUCTIBLE (IF APPLICABLE) WILL ALWAYS APPLY. BENEFIT IN-NETWORK PROVIDER OUT-OF-NETWORK PROVIDER Policy Year Deductible $0 Individual $1,500 Individual $1,500 Individual $6,350 Individual Out-of-Pocket Maximum $3,000 Family $12,700 Family Coinsurance 80% of Negotiated Charge (NC) 75% of Usual & Customary (U&C) 100% of NC Preventive Services 75% of U&C Deductible Waived $300 Copayment per admission $300 Copayment per admission Hospital Room & Board (Inpatient) then the plan pays 80% of the NC then the plan pays 75% of U&C for Covered Medical Expenses for Covered Medical Expenses 80% of NC for Covered Medical 75% of U&C for Covered Medical Surgery (Inpatient or Outpatient) Expenses Expenses $20 copayment per visit then the $20 copayment per visit then the Outpatient Surgery Facility and plan pays 80% of the NC for plan pays 75% of U&C for Covered Miscellaneous expenses Covered Medical Expenses Medical Expenses $20 copayment per visit then the $20 copayment per visit then the In Office Physician Visit plan pays 80% of the NC for plan pays 75% of U&C for Covered Covered Medical Expenses Medical Expenses $20 copayment per visit then the $20 copayment per visit then the Telemedicine or Telehealth Services plan pays 80% of the NC for plan pays 75% of U&C for Covered Covered Medical Expenses Medical Expenses $20 copayment per visit then the $20 copayment per visit then the Cardiac Rehabilitation plan pays 80% of the NC for plan pays 75% of U&C for Covered Covered Medical Expenses Medical Expenses $20 copayment per visit then the $20 copayment per visit then the Pulmonary Rehabilitation plan pays 80% of the NC for plan pays 75% of U&C for Covered Covered Medical Expenses Medical Expenses Rehabilitation Therapy including, $20 copayment per visit then the $20 copayment per visit then the Physical Therapy, and Occupational plan pays 80% of the NC for
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