How do I use my SUNY International Health and Accident Insurance?
STUDENTS: ALWAYS VISIT THE DECKER STUDENT HEALTH SERVICES CENTER FIRST!
The Decker Student Health Services Center offers basic services, including office visits, medication, and common medical supplies, which are pre-paid by the separate Health Fee that is included in your tuition bill at the beginning of each semester. This eliminates the need for you to pay cash for most medications or care at the Decker Student Health Services Center. There is also the convenience of receiving medication and services right here on campus, rather than having to go off campus to a pharmacy. Finally, you will not need to submit claim forms and wait for reimbursement of your expenses for treatment and medicines available to you through the Decker Student Health Services Center. Also, you will not be required to pay the “$50.00 deductible” that you willbe charged if you chose to visit a health care provider without first visiting the Decker Student Health Services Center.
Decker Student Health Services Center Hours of Operation:
Monday – Friday 8:00am – 4:45pm
Breaks & summer 8:00am – 3:45pm
HOW DO I KNOW WHAT HEALTH CARE PROVIDERS TO USE IF I AM REFERRED OFF CAMPUS?
If you are referred off-campus for healthcare by the Decker Student Health Services Center, always use a participating “preferred provider” in the AETNA System. To locate an AETNA participating “preferred provider”, use this link: http://www.aetna.com/docfind/disclaimer.jsp?site_id=passportor call the doctor that you were referred to and ask them if they accept HTHWorldwide Insurance.By using a “preferred provider”, you will avoid having to pay the doctor the difference between his charge to you and the amount the insurance company paysa “preferred provider”. For example, if a “non-preferred provider” charges $100.00 for an office visit and HTH Worldwide Insurance pays $75.00 for an office visit to a “preferred provider,” you will be responsible for the difference of $25.00.
WHAT IF I HAVE AN EMERGENCY AND THE DECKER STUDENT HEALTH SERVICES CENTER IS CLOSED?
If your situation is such that you feel that your life is endangered (e.g., acute illness, severe injury, extreme pain) and that you cannot wait until the Decker Student Health Services Center re-opens, then you can go to a hospital Emergency Room*. All of the local hospitals, (UHS Binghamton General Hospital, UHS Wilson Medical Center, and Lourdes Hospital) are participating “preferred providers” in the AETNA System.
When you go to an Emergency Room or are hospitalized, you must present your HTH insurance card to the hospital staff. When you leave the hospital they will send your bill directly to your health insurance company, HTH Worldwide Insurance Services, for payment.
However, you may receive services related to your emergency room or hospital stay from providers who did not receive your insurance information. They will send your bills to your home address. For example, you may receive bills for X-ray services, laboratory services or ambulance services. If the bills show that the insurance company has not made a payment, you can:
- Call the doctor’s telephone number that is printed on the bill and give the doctor your insurance information (the name of the insurance company, your insurance ID, and the claims mailing address for HTHWorldwide, which is located on the back of your insurance card). Ask the doctor’s office to send your bill(s) to HTHWorldwide insurance. Or,
- Mail all unpaid bills to HTH Worldwide yourself with a HTH claim form. Then HTH Worldwide will review your bills for possible payment. Claim forms are located on the ISSS website or can be obtained through the ISSS department. Mail the bills and claim forms to:
Medical bills: HTH Worldwide, PO Box 30259, Tampa, FL 33630.
Prescription Drug receipts: HTH Worldwide Insurance Services, PO Box 968, Horsham, PA 19044.
The insurance company will make payment to the provider (doctor/lab/hospital), NOT to you. However, if you paid for your medical care, to receive reimbursement, you must include a paid receipt or statement when you submit your bills. Processing for payment of claims and reimbursement takes approximately three to four weeks
If your visit to a doctor or hospital was not referred by the Decker Student Health Services Center, and your condition was not an emergency, you will be responsible for payment of a $50.00 deductible.
*Please note: Emergency Room services are very expensive and should not be used as a doctor office visit. Additionally, you may wait a minimum of 2-3 hours or more to be seen and treated.
What if the Decker Student Health Services Center is Closed?
If the Decker Student Health Services Center is closed for the night or the weekend and you do not have an emergency condition, wait until the Decker Student Health Services Center re-opens. If you feel that you must see a doctor, and you do not have an emergency condition, we recommend that you use one of the numerous “walk-in” clinics in the area that offer comparable, faster, and not as cost prohibitive care. (see http://www.binghamton.edu/isss/health-insurance/health_ins.html for walk-in information). You can return to the Decker Student Health Services Center when they reopen and request a referral form that you input at www.HTHWorldwide.com to waive the $50.00 deductible. Remember, if you visit a provider for a non-emergency condition without a referral from the Decker Student Health Services Center, you will be responsible for the $50.00 deductible.
WHAT IF THE DECKER STUDENT HEALTH SERVICES CENTER IS OPEN, BUT I WOULD PREFER TO BE SEEN BY A DOCTOR IN THE COMMUNITY?
Always go to the Decker Student Health Services Center first for an evaluation. If you need to see a doctor off campus they will provide you with a referral form to show that you were referred to a provider off campus. Otherwise, if you seek medical care without going first to the Decker Student Health Services Center, you will be responsible to pay a $50.00 deductible toward the total cost of your care. In addition, if you do not select an AETNA “participating provider”, you will pay the difference between what the non-participating provider charges and what HTH will pay the provider for your care. With a referral from the Decker Student Health Services Center to an off-campus health care provider, you will avoid having to pay the $50.00 deductible.
SINCE THIS INSURANCE POLICY DOES NOT COVER DENTAL CARE, WHERE CAN I GO FOR INEXPENSIVE
Broome Community College on upper Front Street in Binghamton offers a dental hygiene clinic, which is open to the public by appointment during the academic school year. All of the hygienists at the clinic are students and are supervised by a dentist and licensed professional hygienists. Services offered include fluoride treatments, plaque control, X-rays, teeth cleaning, and pit and fissure sealants. Please call 778-5015 for information and/or an appointment. Please note: The clinic cannot diagnose a dental condition, only a dentist can do that.
HTHWorldwide also provides dental discount plans that you can purchase on your own. See HTHstudents.com for more information.
To locate a dentist, look in the yellow pages of the local telephone book under “Dentists”.
WHO CAN I TALK TO IF I HAVE ANY QUESTIONS REGARDING MY INSURANCE, OR IF I NEED CLAIMS ASSISTANCE?
Any questions, concerns or problems regarding health insurance should be directed
to the International Health Insurance Coordinator at the Office of International Student
and Scholar Services, (607) 777-2510 or email@example.com.
You may also contact HTH Worldwide Insurance Services, Inc. for questions about coverage and claims. The toll free number is (888) 350-2002. HTH also has a website: www.hthstudents.com for information about your enrollment and claims processing.
REMINDER: If you are referred off-campus by the Decker Student Health Services Center for health care, you can locate a participating “preferred provider” at: http://www.aetna.com.
Note: "Neither the State of New York, through its agents, nor the State University of New York through its agents and employees, is responsible in any manner whatsoever for the payment of any claim for health-related services provided to individuals covered under this insurance policy. The State of New York and State University of New York are not responsible for obligations incurred by individuals who are not covered by this insurance policy. All individuals participating in the University's health insurance programs described herein are responsible for reviewing all descriptions of the scope and level of coverage offered by this policy. Such participants will be solely responsible for obtaining additional coverage not provided under this program if such is deemed necessary by the participant."