Emmons Health Center

Insurance & Travel Abroad

Please familiarize yourself with the differences in how student insurance may be used, whether traveling abroad, on a vacation or as part of a College-sponsored study abroad program. 

Oxy Study Abroad Programs

Students participating in Oxy Study Abroad  are automatically enrolled in the mandatory student health insurance for the semester unless IPO determines that the program insurance meets college requirements. IPO will contact those students eligible to opt-out of the Oxy insurance. 

Non-Oxy Study and Travel Abroad Programs

Students who travel abroad for non-Oxy study abroad programs or personal vacations cannot waive the student health insurance plan. Students seeking medical attention outside the United States will likely be asked to pay for any medical care at the time they receive it. The student must then seek reimbursement from United Healthcare upon returning to the United States.  

When traveling abroad, students won't have access to United Healthcare Options PPO providers as they do in the United States. Students can go to any out-of-network provider. Out-of-country claims will be paid at 80% under both the basic and major medical up to a maximum of $100,000 for each sickness or injury.
 
When the student submits claims for reimbursement, the student will need to have the itemized bill(s) translated into English and include a letter informing the claims administrator that the student is seeking reimbursement for charges previously paid. Please ensure that the student's name, insurance ID number, address (to receive your reimbursement check), and the College's name are on the bill. Mail the bills, receipts and letter to:
 
United Healthcare Student Resources
P.O. Box 809025
Dallas, TX 75380-9025

Scholastic Emergency Services: Global Emergency Medical Assistance

Students insured by this plan with United Healthcare will be covered for repatriation of remains, emergency medical expense benefit, and travel assistance services through Scholastic Emergency Services (SES), the 24-hour worldwide assistance service. Please go to Gallagher Koster to review the student insurance brochure.

To access scholastic emergency services please call:
(877) 488-9833 toll free within the United States
(609) 452-8570 collect outside the United States
Services are also accessible via email at medservices@assistamerica.com.

Prescriptions

Whenever possible, students should get their prescriptions filled before they go abroad. Normally benefits are subject to supply limits (up to 31 days), however students can get a "travel override" for up to a six-month supply. Present your prescription, proof of travel and your United Health Allies ID cards to a Medco pharmacy. If you do not use a network pharmacy, you will be responsible for paying the full cost for the prescription.

All benefits are subject to satisfaction of specific benefit limitations, maximums and co-pays as described in the policy. The Master Policy on file at the College contains all of the provisions, limitations, exclusions and qualifications of your insurance benefits, some of which may not be included in this handout. The Master Policy is the contract and will govern and control the payment of benefits.
 
  • Appointments: 323-259-2657
  • Fax: 323-341-4970
  • Email us: oxywell@oxy.edu
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