Oxy Health Insurance Requirements
As you are likely aware, many provisions of the federal Patient Protection and Affordable Health Care Act go into effect on January 1, 2014.
Implementation of the Act is a chief reason our insurance provider, United Healthcare, cited in announcing it will raise the annual premium cost for Occidental’s mandatory student insurance plan from last year’s rate of $780 to $1,151 for 2013-14.
We were also informed that a $10 co-payment will apply for what are known as “non-wellness” visits. That means if a student is ill and seeks treatment, the co-payment will apply; if a student is seeking preventative or wellness care – a physical exam or vaccination, for example – the co-payment will not apply.
As always, United Healthcare coverage applies to a student for a full 12 months and follows them wherever they go, including study overseas. There are some new advantages to the coverage in the upcoming academic year, including:
An increase in the maximum benefit from $100,000 to $500,000.
Students will no longer be limited to one visit to Emmons per day.
Other plan features include:
Many services in the plan are covered 100 percent, including hospitalization.
Psychological counseling is provided at no cost for up to 10 visits.
United Healthcare provides a representative at Emmons Student Wellness Center three days per week to offer students personal assistance in processing claims.
The College’s policy is that coverage is mandatory for all students, regardless of whether they are covered by a family policy. Over the years, a growing number of students came to us either uninsured or underinsured after waiving sickness coverage. (Injury insurance has always been mandatory.) We found that students would not use the medical services they needed to avoid costly medical bills, and even more often, students would fail to seek help with emotional challenges to avoid burdening their families with out-of-network co-pays or lack of coverage for mental health counseling.
While United Healthcare’s announcement runs counter to our continuing efforts to keep costs as low as possible, Occidental’s premiums for the plan remain considerably lower than those of other California colleges, including USC ($1,500), Pacific Oaks College ($1,600) and the Claremont Colleges ($1,800).
We appreciate your understanding. Should you have questions or need additional information, please contact Dr. Robin Davidson, the new Emmons Wellness Center Director at firstname.lastname@example.org or 323-259-2657, or click here to view details of the new plan.
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