Health Insurance for International Scholars at IUPUI
Employee Benefits (for scholars with full-time employment)
All international employees at IUPUI, both paid and unpaid, in J-1 and H-1B status are expected to have health insurance benefits. All H-1B employees and paid J-1 employees at IUPUI have health insurance provided through their employee benefit package. Within the first three weeks of hire, employees with employee benefits will be invited to an employee benefits information meeting. At this time, eligible employees can choose the plan option most convenient for themselves and their families. It is advisable to review the packet of information provided before attending the information meeting.
Employees must enroll all accompanying dependents in the employee insurance program within 30 days of the start of employment. If your dependents do not initially accompany you to the U.S., you can enroll them when they arrive; however, you must do so within 30 days of their arrival. (Arrival from abroad is considered a "change of status.") Contact Human Resources either in person or through their website. Please see: http://www.indiana.edu/~uhrs/bcc/index.html.
All employees are permitted to change insurance plans and add/remove dependents only once per year during the "Open Enrollment" period. This deadline occurs in November. You should directly receive information about this from University Human Resources Administration. Please note that this is the only period in which you can make adjustments to your insurance program once you are enrolled. Further information on the employee benefits plans is available through the IUPUI Human Resources Office: http://hra.iupui.edu/benefits.asp.
Required Supplemental Health Insurance for J-1 Employees with IU Employee Health Insurance Benefits
All J-1 scholars are required to have medical evacuation/repatriation benefits, which is included in the IU employee health insurance program. Currently this enrollment is set as optional for IU full time employees; however, it is MANDATORY for employees in J-1 visa status. If you are in J-1 status and receive employee benefits, please enroll for at least the minimum amount of coverage for the personal accident insurance. You may also insure your legal spouse/registered domestic partner and unmarried dependent children (under age 19, or under age 25 if full-time students). This is a required coverage for J-1 visa holders and optional (but highly recommended) for H-1B visa holders. More information is available at http://www.indiana.edu/~uhrs/benefits/pai.html
International Student/Scholar Health Insurance Program (for visiting scholars)
If you are a visiting scholar without health insurance, IUPUI has arranged health insurance coverage through Aetna Student Health. A full description of the insurance program is available online at: http://www.aetnastudenthealth.com/schools/iu/brochure1011.pdf. A summary of plan benefits can also be downloaded.
Specific enrollment information will be given at the OIA international scholar orientation after arrival.
The enrollment year begins August 15 and ends the following year August 14. Therefore regardless of length of stay, a visiting scholar can initially enroll only through the end of the current academic year (August 14). New enrollment forms become available each year in July. Daily, weekly, and monthly rates for coverage are listed on the enrollment form, so payment can be pro-rated to exactly match the length of your stay. The insurance enrollment form must be endorsed by an OIA staff member before it can be sent to AETNA. Initial payment of at least two months duration, or full payment for any shorter period of stay, is required to secure coverage.
OIA provides eligible scholars with the Indiana University 2011-2012 Visiting Scholar Enrollment Form at the weekly Tuesday scholar orientation. This form needs to be endorsed by the International Affairs staff and mailed to Aetna Student Health (Aetna Student Health, Inc, One Charles Park, Cambridge, MA 02142-1254).
You are eligible for the health insurance benefits even if you do not have the actual insurance card, as soon as your enrollment form is received by Aetna Insurance.If you need to seek medical assistance once enrolled, but before your actual card is received, an insurance representative can assist you.
J-1 Fellowship Recipients
J-1 fellowship recipients are covered under a separate health insurance plan negotiated through AETNA for Student Academic Appointments and Fellowship Recipients. Insurance premiums are billed to and paid directly by the academic department. No enrollment form is required. The brochure for SAAs and Fellowship recipients is available at http://www.aetnastudenthealth.com/schools/iu/brochure1011.pdf. You should confirm your enrollment with your department.
If your dependents arrive later than you in the U.S., you can enroll them in Aetna's international student/scholar insurance within 30 days of their arrival. You will complete Aetna's dependent enrollment form: http://www.indiana.edu/~uhrs/pubs/books/students-INTL_Dependent_App201112.pdf which can be mailed directly to Aetna with your payment.
Seeking Medical Care
Your international scholar insurance plan includes a $500 USD deductible. This means that the first $500 USD of your medical care each year (in addition to your premium payment) is paid by you. After your deductible has been met, Aetna will pay all covered medical costs. Please read the brochure carefully to understand the services that the plan covers. Remember, no insurance plan covers 100% of all medical costs. In addition to the deductible, the plan requires that you pay a $15 USD copay for each doctor's office visit.
The plan waives the $500 USD deductible and $15 USD copay for treatment you obtain at the Student Health Service (SHS), located on the first floor of Coleman Hall (beside Ball Residence Hall). The SHS provides basic non-emergency medical services; you may schedule an appointment by calling 274-8214. Services received at the Student Health Center will be paid upfront by the patient at the time of treatment. However, you may then submit your bill to Aetna Student Health for reimbursement.
If you need to seek medical treatment outside of the Student Health Service, you will need to seek a doctor within the Aetna network. The insurance program uses a "Preferred Providers Network." When you visit a physician that is part of the network, all expenses covered by your health insurance (except for exceptions listed in the brochure) are paid by the insurance company at 100%. If you use a physician or hospital outside of the network, the insurance company will pay only 50% of "reasonable" costs.
The Aetna Insurance network is extensive and includes all hospitals and clinics within the IU Medical Center and Clarian Hospital networks, including University Hospital, Riley Hospital for Children; Wishard Memorial Hospital, Methodist Hospital of Indiana, and Methodist Medical Plazas located in various parts of the city. In addition, it includes the Community Hospitals.
You can verify whether a physician is a preferred provider by using Aetna's online DocFind service located at www.aetnastudenthealth.com. Click on "Find Your School" and enter 812849 as your policy number.
Further Information and Help
Aetna Student Health
Aetna Student Health
Health Insurance Representative
An insurance representative is located at the Office of International Affairs (ES 2126) on Wednesdays from 9-4, to help you with questions or concerns regarding your insurance coverage. You can call 812-856-4650 or e-mail firstname.lastname@example.org to contact the representative. The insurance rep will be available at the Bloomington campus of IU on other days.
Office of International Affairs
If you have questions about insurance enrollment or waiver, please contact the front desk of International Affairs at 317-274-7000 or email@example.com.
Requesting a Waiver
If you already have health insurance coverage at the time or your arrival at IUPUI, you may apply for a waiver from the mandatory plan. Not all insurance plans will qualify you for a waiver.
The minimum coverage requirements (in USD) for waiver approval are as follows:
- $50,000 coverage for each sickness
- $50,000 coverage for each injury
- $10,000 medical evacuation to home country
- $7,500 repatriation of remains to home country
- Deductible (or excess fee) not more than $500 per sickness or injury (per person)
- $100,000 lifetime policy maximum
- Maternity Benefits (female scholars only)
To qualify for a waiver, scholars must complete International Health Insurance Waiver Request Form and submit it to the OIA along with a copy of the health insurance policy description, and proof of enrollment, (health insurance member card).