International Student Health Insurance Plan

Your Insurance Plan

Your insurance plan is provided by Aetna Student Health. The full insurance brochure is available online at http://www.aetnastudenthealth.com/schools/iu/brochure1011.pdf. A summary of plan benefits can also be downloaded.

Download Summary of Benefits

Please note that international students with University Fellowships (semester stipend of $3077 USD or greater) or assistantships (Student Academic Appointments of .375 FTE or higher) are covered under a separate health insurance plan. Insurance premiums are billed to and paid directly by the academic department, and the coverage is similar but different from the plan described on this page. The brochure for SAAs and Fellowship students is available at http://www.aetnastudenthealth.com/schools/iu/brochure1011.pdf.

Eligibility

All enrolled international students in F or J visa status are automatically enrolled in IUPUI's mandatory health insurance program for international students. International students in other non-immigrant visa categories are also eligible, but are not automatically enrolled. These students must contact the Office of International Affairs for assistance.

Students who are U.S. citizens or Permanent Residents are not eligible for the International Student Insurance Plan.

Enrollment and Billing

All enrolled international students in F-1 or J-1 status will automatically be enrolled in the mandatory insurance plan unless they have been approved for a waiver. Billing occurs in September for Fall premiums and in January for Spring/Summer premiums. The charges will appear directly on your Bursar account.

After billing occurs, you will receive a card in the mail sent to your home address that you have entered into Onestart. You are eligible for the health insurance benefits even if you do not have the card. A temporary card may be downloaded here. This card can be used until your official card arrives in the mail.

2011-2012 Premiums

	Students*	Spouse	Child(ren)
Annual	$1038	$2483	$1885
Fall	$395	$946	$718
Spring/Summer	$643	$1537	$1167
Summer I & II	$301	$721	$547
First Summer	$145	$347	$263
Second Summer	$196	$469	$356

*No Enrollment Form is required for the International Student Health Insurance Plan. Information on enrolling dependents can be found below.

**The Quarterly payment option is only available for those dependents enrolling at the beginning of the academic year. The deadline to enroll in the quarterly payment option is September 15th.

Coverage Period

Annual and Spring coverage periods include insurance coverage for the summer.

	Coverage Period
Annual	August 15, 2011 - August 14, 2012
Fall Semester	August 15, 2011 - December 31, 2012
Spring/Summer Semester	January 1, 2012 - August 14, 2012
Summer	May 1, 2012 - August 14, 2012
Summer Semester I	May 1, 2012 - June 20, 2012
Summer Semester II	June 7, 2012 - August 14, 2012

Enrolling Dependents

Eligible dependents are the spouse/same-sex partner (residing with the insured student) and unmarried children under the age of 24. If you have dependents, you will need to enroll them by completing the dependent enrollment form, which can be mailed directly to Aetna with your payment. Dependent enrollment is also available online at www.aetnastudenthealth.com. Click on "Find Your School" and enter 812849 as your Policy Number. Unlike your own coverage, it cannot be billed to your Bursar bill. The completed Dependent Enrollment Form and premium should be submitted directly to Aetna Student Health, Inc, One Charles Park, Cambridge, MA 02142-1254.

Please remember that all international students are required to maintain medical insurance coverage for their dependents. Dependents must be enrolled with Aetna by September 15 or are not eligible for coverage until the next enrollment period.

Dependent Enrollment Deadlines

	Dependent Enrollment Deadline
Annual	September 15
Fall Semester	September 15
Spring Semester	January 31
Summer	June 1
Summer Semester I	May 15
Summer Semester II	June 20

Requesting a Waiver

If you already have other health insurance coverage you may apply for a waiver from the mandatory plan. Not all insurance plans will qualify you for a waiver.

The minimum coverage requirements 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 students only)

To qualify for a waiver, students must have qualifying insurance for the entire coverage period. Students applying for Fall waivers, must have coverage for at least August 15th through December 31st. Students applying for Spring/Summer waivers, must have coverage for at least January 1^st though August 14^th.

All waivers are submitted through the iStart system. Regardless of the length of your insurance coverage, a new waiver must be submitted each semester.

The waiver deadline is always 10 days after the start of classes each semester. The electronic waiver form becomes available 30 days prior to the start of the semester.

Request a Waiver Now

Automatic Waivers

Some categories of students qualify for automatic waivers from the International Student Insurance Plan. These students are not required to complete the waiver request through iStart. If you belong to any of the categories below and have been billed for the International Student Health Insurance Plan, please email iadvisor@iupui.edu

MD students required to participate in the School of Medicine insurance plan.
F-1 students on OPT who are NOT ENROLLED in classes
Saudi Arabian students sponsored by SABIC or the Saudi Arabian Cultural Mission
Graduate students with an assistantship (student academic appointment at .375 FTE or higher) or a fellowship (semester stipend of $3,230 or greater). If you fall into this category, you will be on a different insurance plan paid for by your academic department.
F-1 visiting students holding an I-20 from another institution
Enrolled J-1 scholars already covered under the Visiting Scholar insurance plan
J-1 students whose program sponsor is not IUPUI, and whose program sponsor provides insurance coverage

Seeking Medical Care

Your insurance plan includes a $500 deductible. This means that the first $500 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 a deductible, the plan requires that you pay a $15 copay for each doctor's office visit.

The plan waives the $500 deductible and $15 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
812-856-4650
Aetna Student Health

Health Insurance Representative
An insurance representative is located at the Office of International Affairs (ES 2126) on Wednesdays from 12:30 to 4:30 to help you with questions or concerns regarding your insurance coverage. You can call 812-856-4650 or e-mail studenhc@indiana.edu 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 billing or waivers, please contact the front desk of International Affairs at 317-274-7000 or oia@iupui.edu.