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About Student Health Insurance

Below are some of the common questions students have about health insurance. 

How do I contact Aetna Student Health?
Aetna's website is located at https://www.aetnastudenthealth.com/stu_conn/student_connection.aspx?groupID=724532

How do I waive the Aetna Student Health Coverage?
In order to better serve our students, IIT has moved the student health insurance waiver and auditing process to an online system.  This more efficient process allows students who have eligible health insurance coverage from outside the university to waive your IIT coverage online instead of using paper forms.

One key difference in the new process is that students who have eligible health insurance coverage from outside the university will need to waive your IIT coverage each year of attendance.  If you previously waived your insurance, you will need to do so again this year and every year you attend IIT or you will be automatically billed for IIT-provided health insurance.

If you have outside coverage, please follow the instructions at this link to waive your insurance coverage.  If you do not do so by September 1, 2012, you will be charged $830 for coverage from IIT for the 2012-2013 academic year.   If you do not waive participation in the Student Health Insurance Plan before the deadline, you will be enrolled automatically and billed $830 for annual coverage or $496 for the spring coverage.

Who administers the prescription drug plan?
Aetna Pharmacy Management administers your prescription drug claims and pharmacy claim forms. Aetna's twenty-four hour customer service number is (800) 238-6279.

Where can I learn more about my insurance benefits?
The chart below shows how the Plan pays your benefits for the major types of health care expenses. You can see the difference in your cost when you use preferred providers. A list of all preferred providers can be obtained using the Doc-Find tool. Click on the Doc-Find link to obtain more information on how to use it. The complete health plan brochure can be viewed by logging on to Aetna Student Health. Our health plan has a lot of different benefits available to those that are enrolled, like the vital savings dental and vision plan and the Student Assistance Plan (SAP) our school ID is IIT.

Type of Service or Supply Benefit Level

Aggregate Lifetime Maximum

$100,000 per injury

Plan Deductible

Preferred Care: $ 100

Non-Preferred Care: $ 300

Annual Out-of-Pocket Limit

Preferred Care: $ 5,000

Non-Preferred Care: $ Not applicable.

Preferred Care

Non � Preferred Care

Physician Office Visit Expenses

Plan pays 80%

Plan pays 60%

Inpatient Hospitalization Expenses

Plan pays 80%

Plan pays 60%

Emergency Room Expenses

Plan pays 80%

Plan pays 80%

Prescription Drug Expenses *

Plan pays 100%

Not Covered

Rx Copays

$ 10/35/50 (please see brochure for details on Copays)

Rx Annual Maximum

$ 5000 per year

* Plan pays 100% up to $5000 per year after a $10/35/50 co pay for generic prescription drugs, a $30 co pay for brand-name prescription drugs and $50 co pay for non formulary drugs. There is no coverage for prescription drugs filled at a non-preferred pharmacy. If you have reached your prescription drug max please contact Melody McCray for possible assistance.

How can I check to see if I am enrolled in health insurance?
If you have not already received confirmation from Aetna, you can check to see if you are enrolled by confirming that your account has been charged for insurance. To check your account online, go to IIT's Web for Students.

You can also call IIT Student Health Center at (312) 567-7550 to confirm that you have been enrolled in the health insurance plan.

When will I receive my insurance card?
For students enrolled in health insurance for the fall semester, insurance cards should arrive in the mail by the second week of October. This card will serve as your insurance identification for the entire academic year.

If you are enrolling in the health insurance plan for the first time during the spring semester, your card should arrive by the first week of February.

Where can I find a Preferred Provider/In-Network Provider?
The doctors and other health care providers who belong to Aetna/Chickering's network are called Preferred Providers. Using Preferred Providers saves you money because these medical professionals agree to accept negotiated fees that may be lower than what non-preferred providers would charge. Your health insurance only pays benefits for reasonable charges. If a non-preferred provider charges more than the reasonable charge allowance, you must pay the difference.

The Preferred Provider network extends across the country. To find a Preferred Provider, you can use Aetna's online service at www.aetna.com/docfind. You can use this service to find out whether a specific doctor belongs to Aetna's network or to find a Preferred Provider in your area.

In addition, you can call either IIT's Student Health Center at (312) 567-7550 or Chickering's customer service line at (800) 841-3140 for assistance in finding a Preferred Provider.

How do I file a claim?
If you are being treated by a Preferred (In-Network) Provider, your claim will automatically be submitted to Aetna Claims Administrators by the medical provider.

If you are being treated by a non-preferred provider, you need to verify how your claim will be filed by the medical provider. Payment may be required up front. If the provider does not file the claim directly with Aetna Claims Administrators, then you must file the claim by submitting an itemized bill immediately after treatment. Your name, social security number, and school name should be written clearly on all medical bills. Always retain copies for your records.

What should I do if my insurance card hasn't arrived yet and I need to see a doctor?
If you don't have an insurance card yet and need to see a doctor, you have a few options.

First, depending on what is wrong, you can use the Student Health Center at IIT, where you don't need the insurance information. However, if you prefer to see your own doctor, you will have to pay out-of-pocket and get reimbursed from Chickering. (See the previous section on how to file a claim for additional information and links to claim forms.)

Alternatively, some doctors might process your claim without an insurance card if you explain that you have student insurance and are waiting for your card. You will need to provide the doctor with IIT's policy number, 724532, and your ID number, which is your social security number.

Finally, you can print a temporary insurance card from the Aetna Navigator site. 

How do I obtain coverage for my dependents?
Dependent enrollment is managed directly by Aetna Student Health. You can find information and the required forms at Aetna Student Health.

Unlike Student Health Insurance, the premiums for dependent coverage are not added to your tuition bill and must be paid directly to Chickering. The cost for enrolling a spouse, child, or children is explained on the form. 

What about dental insurance?
For the 2012-13 academic year, IIT is offering students a dental discount plan called Vital Savings. A description of the program is available online at https://www.aetnastudenthealth.com/stu_conn/student_connection.aspx?groupID=724532&PageID=dpr  

To participate in this program for the 2012-13 academic year, you must be enrolled in IIT's student health insurance plan.

What should I do if I lose my insurance card?
If you lose your insurance card, you need to report the loss and apply for a replacement. To request a replacement, you can call Aetna Student Health customer service line at (800) 841-3140.

You can also visit the Aetna Student Health website to request a replacement card. Select "Help Center" and then fill out the online card replacement request form.

Alternatively, you can print a temporary insurance card from the Aetna Navigator site. 

Who can help me if I have problems with my health insurance?

Aetna (prescription drug plan)
www.aetna.com
(800) 238-6279

Melody McCray, Administrative Assistant, IIT Student Health Center
jack@iit.edu
(312) 567-7550

Vickie Tolbert, Assistant to Dean of Students, IIT Main Campus
tolbert@iit.edu
(312) 567-3081

Jenna Abhijeet, Director of Student Services, Chicago-Kent 
jabhijeet@kentlaw.iit.edu
(312) 906-5005

Steve Sowle, Assistant Dean of Academic Administration and Student Affairs 
ssowle@kentlaw.iit.edu
(312) 906-5282

IIT Student Health Center
www.iit.edu/student_health/insurance
(312) 567-7550