Voluntary Plan FAQs
Q: How do I enroll in the plan?
A: Enrollment in the Voluntary Student Health Insurance Plan is optional. Students may visit the Aetna Student Health website www.aetnastudenthealth.com to enroll online or to print an enrollment form.
Q: What is covered under the Student Health Insurance Plan?
A: The student insurance plan provides coverage for office visits, outpatient services, inpatient hospital care, mental health, maternity, and Emergency Room visits.
Q: What is a deductible?
A: A deductible is the amount the student must pay, before the insurance company begins to pay any medical expenses.
Q: What is a copay?
A: A copay is the amount that must be paid at the time services are rendered by a Preferred Provider. Co-pay amounts are the responsibility of the student.
Q: What is a preferred (in-network) provider?
A: A preferred provider is a provider that Aetna Student Health has contracted with to offer substantially lower rates. These providers have agreed to accept the rates as payment for their services. Selecting a preferred provider will maximize your savings and reduce your out-of-pocket expenses.
Q: How do I find a preferred (in-network) provider?
A: You can find information regarding Preferred Providers through the Doc Find tool at www.aetnastudenthealth.com, click on Find Your School and enter Indiana University as the school name.
Q: What should I do if I don’t get an ID card?
A: You can request an ID card directly from Aetna Student Health. Call 877-375-4243 to make the request, or request one online through Aetna Navigator. Visit www.aetnastudenthealth.com, click on “Find Your School” and enter Indiana University as the school name. Select the option for Voluntary plan and click on Access Navigator.
Q: What should I do if I lose my ID card?
A: You can request a new ID card directly from Aetna Student Health. You can call 877-375-4243 to make the request, or you can request one online through Aetna Navigator. Visit www.aetnastudenthealth.com, click on “Find Your School” and enter Indiana University as the school name. Select the option for Voluntary plan and click on Access Navigator.
Q: What is Aetna Navigator?
A: Aetna Navigator is a secure member website that allows students to access personalized benefit and health information and complete a variety of self- service transactions online. Students can print a temporary ID card, view claim statements, estimate the cost of common health care services and much more!
Q: How do I create an Aetna Navigator account?
A: Go to: www.aetnastudenthealth.com and click on the Student banner, Find Your School, type Indiana University and click Search Directory; choose the Voluntary Plan. Click on Access Navigator and follow the instructions for first time user by clicking on the Register Now link, using your social security number.
Q: I paid my tuition and the student health fee. Do I have health insurance?
A: The student health fee included in the tuition is an administrative fee for the Student Health Center. This fee enables students to use the services at one of the health centers for a discounted rate. It is not insurance coverage. Information on purchasing insurance can be found on our website at www.hr.iu.edu/benefits/students.html
Q: Can I enroll in the insurance and also keep my parents' or spouse's insurance?
A: Yes. However, please note that there will be coordination of benefits with any other plans you are enrolled in. In the case of insurance claims, the benefits of the plan that covers you as an insured student will be used before those of a plan that provides coverage as a dependent. You may be required to provide documentation of other insurance.
Q: Can I enroll in the plan after the deadline?
A: Yes, although there are certain conditions that must be met. You can enroll in the plan after the open enrollment period has ended only if you experience a life changing event (loss of coverage, marriage, birth of child, etc.). If you or dependents qualify to enroll after the deadline, please contact the Student Health Insurance office.
Q: How do I get a premium refund?
A: If a student withdraws from Indiana University during the first 31 days of the coverage period, and no claims have been filed, coverage will be termed and the student will receive a full refund of the premium. However, if a student withdraws after the first 31 days of the coverage period your coverage will remain active until the end of the term and the student will not receive a refund.
Q: What is a pre-existing condition?
A: A pre-existing condition is an injury, sickness or condition that was diagnosed or treated within six months prior to the student’s effective date of insurance. Under Aetna Student Health, expenses incurred as a result of a pre-existing condition will not be considered covered unless no charges are incurred, or treatment rendered, for the condition for a period of six months or when the student has been covered under this policy for 12 consecutive months, whichever comes first. In addition, students who have remained continuously insured will be covered for any pre-existing condition.
Q: Does this plan cover prescriptions?
A: This plan does come with a prescription drug benefit that covers prescriptions associated with a covered sickness or accident at 100% of the charge up to a maximum of $1000 per policy year.
Q: Does this plan cover birth control?
A: Yes, oral contraceptives are available at the Health Center on the Bloomington campus and Heath Services at IUPUI. There is no coverage for contraceptives except at the health centers.
Q: Does this plan cover pregnancy?
A: Yes, pregnancy is covered just as any other illness or condition. It is not considered a pre-existing condition.
Q: How long do I have to submit a claim?
A: Most providers will file claims electronically and directly with the insurance company. However, if you are required to pay for your bill and submit a claim to Aetna, you can do so by downloading the form and sending it directly to Aetna with a copy of your receipt. Visit www.aetnastudenthealth.com, click on “Find Your School” and enter Indiana University as your school name.
Please note that all claims must be filed within 90 days of the service date.
Q: The claim form asks for my ID number. What is this number?
A: The ID number can be found on your ID card. It is a 10-digit number that uniquely identifies you. If you do not have an ID card please call Aetna Student Health customer service at 877-375-6512 to obtain your ID number.
Q: What if I am at home, on vacation, or an internship away from campus?
A: For services that are rendered in the United States, the providers should be in the Aetna network and the services must fall within the benefit guidelines. To find out which providers are in the Aetna network, use DocFind by visiting www.aetnastudenthealth.com, click on “Find Your School” and enter Indiana University for school name. You are traveling overseas and need to see a provider, claims will be reimbursed at the in-network rate. Please keep a copy of your bill and send in a claim for reimbursement directly to Aetna when you return home.
Q: What do I do if I have an emergency while studying abroad or traveling overseas?
A: Aetna Student Health has contracted with On Call International to provide students with access to worldwide emergency travel assistance. This includes a 24/7 Nurse Help line, medical referrals, hospital deposit arrangements, translation assistance and much more. Please contact On Call International at 866-525-1956 or visit www.oncallinternational.com.
Q: What should I do if I need a prescription before I receive my ID card or before my enrollment in the insurance plan is complete?
A: You may pay for the costs of the prescription out-of-pocket and submit a prescription claim form directly to Aetna Student Health for reimbursement of eligible prescriptions. The claim form can be found at www.aetnastudenthealth.com/schools/aetnaDrug.pdf. Please take this claim form to the pharmacy when you obtain your prescriptions, and complete the form with the pharmacist. For maximum reimbursement, use an Aetna Student Health Preferred Provider pharmacy.