Student Health Plan Preview

Hubbard – Bert, Inc

University Partners Working for You!

Health Insurance for Students• Even Healthy Students may need healthcare services while at

College.• Student Health Centers provide many primary care services at

no charge, but they are not equipped to provide imaging, or diagnostic laboratory services.• Students needing x-ray, an ER visit, blood work, or a weekend

visit to an urgent care center, will not have access to these services without insurance or incurring a significant bill.• A single hospitalization can cost thousands of dollars.

Health Insurance for Students• Having Insurance means having access to the medical care

needed in a way that minimized disruption to your child’s studies, life and finances.• While Mercyhurst University currently requires insurance for

Athletes and International Students, it strongly encourages ALL students to carry adequate health insurance.• Mercyhurst students not currently required to show proof of

insurance, are still welcome to purchase the Highmark Community Blue PPO.

Rules for EnrollmentMercyhurst University requires all student Athletes and all International Undergraduates to have certain minimum health care requirements in order to attend classes.

If students are currently covered by either their parents’ plan or a spouse’s employer-sponsored group plan, they may waive Mercyhurst’s sponsored plan if it meets the requirements set forth by the University. Individual Policies & Travel Polices are not accepted.

Rules for Enrollment (con’t)Mercyhurst University strongly recommends all students obtain and maintain health insurance while they are earning their degree. The Highmark Community Blue PPO is available for all students, undergraduate and graduate alike, regardless of the number of course credits they are enrolled in.

Students who are not Athletes or International Students, do not need to complete the online waiver.

• To enroll in one of the University’s Student Health Plans, go to: www.hubbardbert.net

• Click on “Student Login” to access the Student Insurance Page, the link to enroll is at the top of the page

• You will need your student ID (7 digits beginning with “0”) and your date of birth

• Click “Continue” to proceed to the Enrollment or Waiver process

Online Enrollment Procedures

• Offers at least 80% coverage for in-patient and outpatient medical services

• Includes mental health benefits• Has a deductible not to exceed $500• Does not contain any language limiting coverage on pre-existing

conditions• Must cover injuries that occur during participation in

intercollegiate athletics• Has limits of at least $90,000 that includes coverage for sports-

related injuries

Waiver Requirements for Athletes & International Students

If coverage student currently has meets or exceeds these requirements, a waiver form must be

completed to opt out of the Mercyhurst University Student Health Plan

This waiver is completed online atwww.hubbardbert.net

Plans Offered to Mercyhurst StudentsHighmark Community Blue PPO• Available to all Mercyhurst Students and their

dependentsUnited Healthcare PPO• Available to all Non-US Citizens and their dependents

only (this plan is not an option for Athletes)

Highmark Community Blue Plan Benefits Summary

• Deductible - $500 individual, $1,000 family, combined in and out of network

• Play pays – 80% after deductible• Out-of-pocket maximum - $3,000/$6,000

• Retail clinic visit – 100% after $40 copayment• Primary Care Provider office visit – 100% after

$25 copayment• Specialist office visit – 100% after $50 copayment• Urgent Care Center visit – 100% after $40

copayment

Highmark Community Blue Plan Benefits Summary

Routine adult:– Physical exams – 100% (deductible does not apply)– Adult immunizations – 100% (deductible does not apply)– Routine gynecological exams – 100% (deductible does not

apply)– Mammograms, annual routine and medically necessary –

100% (deductible does not apply)– Diagnostic services and procedures – 100% (deductible does

not apply)

Highmark Community Blue Plan Benefits Summary

• Hospital inpatient – 80% after deductible• Hospital outpatient – 80% after deductible• Maternity – 80% after deductible• Medical/Surgical (except office visits – 80% after deductible• Emergency Room Services – 80% after $100 copayment,

waived if admitted• Ambulance – 80% after deductible

Highmark Community Blue Plan Benefits Summary

Prescription Drug Program (mandatory generic)– Retail drugs – 31-day supply - $10 generic, $25

formulary brand, $40 non-formulary brand– Maintenance drugs – 90-day supply - $20 generic,

$50 formulary brand, $80 non-formulary brand

Highmark Community Blue Plan Benefits Summary

United Healthcare Plan Benefits Summary(this plan is only available for Non-Athlete, Non-US Citizens and

their dependants)

• Deductible - $100 in-network, $300 out-of-network per insured person

• Play pays – 80% after deductible in-network, 70% after deductible out-of network

• Out-of-pocket maximum – – $6,300 single/$12,700 family in-network; – $8,000 single/$16,000 family out-of-network

Preventative care services include:• Annual Physicals & routine OB/GYN exams• Immunizations

Are covered at 100% with no copay or deductible when performed by a Preferred

Provider.

United Healthcare Plan Benefits Summary

Prescription Drug Program (mandatory generic)– Retail drugs – 31-day supply - $15 generic, 20%

formulary brand, 30% non-formulary brand

United Healthcare Plan Benefits Summary

Enrollment Requirements:– Must enroll for either 12 or 6 months at a time– 6 month option requires a student to re-enroll for

Spring Semester– No refunds given if a student withdraws from classes– No plastic ID cards; students must register on

www.PGHStudent.com to print a copy of their ID card.

United Healthcare Plan

Both Highmark & United Healthcare Plans offer benefits specific to International students:

• Medical Repatriation• Medical Evacuation• Return of Mortal Remains• Transportation of Travel Companion, to Join Patient

and Return of Minor Children

International Benefits

• To enroll in one of the University’s Student Health Plans, go to: www.hubbardbert.net

• Click on “Student Login” to access the Student Insurance Page, the link to enroll is at the top of the page

• You will need your student ID (7 digits beginning with “0”) and your date of birth

• Click “Continue” to proceed to the Enrollment or Waiver process

Online Enrollment Procedures

If you are having a problem logging in, you may call (814) 454-0167

OREnter your student name, date of birth, and contact email/phone number on the website and you will be

contacted by the end of the next business day.

Contact Information