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Health Insurance for Dependents of Students Workshop for
Students with Dependents in Need of Health Insurance Download
workshop flyer here (pdf). The Student Health Insurance Office (SHIO)
will hold a health insurance workshop at University Village on Wednesday, October
8, 2008 for students with dependents. A variety of coverage options are available
for spouses, partners and children of students. It can be challenging to determine
which plan is best for your family, and SHIO is here to help. Kathy Gage, Insurance
Advisor for students with dependents, will explain how to choose and enroll in
a plan that meets your family's needs. This presentation is scheduled as
part of the monthly Village Residents Association meeting and begins at 7PM. No
reservation is required. Contact the Student Health Insurance Office (SHIO) at
642-5700 if you have questions about this event. Visit the UHS web page: http://uhs.berkeley.edu.
Contents:
Introduction
Selecting a Plan
Contact Information
Definition of terms used (HMO, PPO, etc.)
| Introduction |
Choosing the right plan for your family is an important decision. University
Heath Services (UHS) can help you learn about and get connected to health coverage
for your family. Families have a choice of health insurance plans, including individual
commercial insurance plans, publicly supported plans, and non-profit community-based
plans. | | Selecting
a Plan | Click
here to view a comparison of several selected plans. You can start your
selection process by reviewing the plans and evaluating their benefit levels and
affordability. When you are ready for additional assistance, please call the Student
Health Insurance Office at (510) 642-5700 to make an appointment. We will meet
with you to review the best options to meet your family's needs and assist you
with the enrollment process. | | Contact
Information | Brokers: - Saylor
and Hill Co.
Saylor and Hill Co., which is the insurance broker for SHIP,
can provide assistance with selecting and applying for a plan. There is no fee
for using their services. Visit www.saylorhill.com/individual.html
or call (510) 273-8888. - E-Health Insurance
E-Health Insurance
is an online broker service that allows you to get quotes, compare plans, and
apply for health insurance online. Visit www.ehealthinsurance.com
or call (800) 977-8860. Insurance plans included in summary table
above:
Some plan brochures and enrollment kits are available at the
Student Health Insurance Office.
- Anthem Blue Cross
Visit http://www.anthem.com/ca/ or call (800)
777-6000. Blue Cross offers PPO and HMO plans for individuals and families. Some
include optional dental and vision coverage. For "Tonik" plans, call
(866) 333-4820. - Blue Shield of California
Visit www.blueshieldca.com
or call (800) 660-3007. Blue Shield offers PPO and HMO plans for individuals and
families. Some include optional dental and vision coverage. - Health
Net
Visit www.healthnet.com or
call (800) 909-3447. Health Net offers PPO and HMO plans for individuals and families
with optional dental and vision coverage.
- Kaiser Permanente Northern
California Region
Visit https://ehealthplan.kp.org/applyonline/ or call
(800) 232-5100. Kaiser offers both deductible and copayment HMO plans for individuals
and families. An optional Dental Assistance Plan is also available. Kaiser has
a Child Health Plan for families with children who meet income requirements and
are not eligible for government-sponsored programs. Kaiser also has the Steps
Plan for low-income families who are current Kaiser members. Visit the website
or call (800) 255-5053. - Healthy Families
Visit www.healthyfamilies.ca.gov
or call (800) 880-5305 for enrollment and eligibility requirements. The Healthy
Families program is for children up to age 19 in low income families. - Access
for Infants and Mothers (AIM)
Visit www.aim.ca.gov
or call (800) 433-2611 for enrollment, residency and eligibility requirements.
AIM provides low cost health coverage for pregnant women.
- Medi-Cal
Visit http://www.dhcs.ca.gov/services/medi-cal/Pages/default.aspx
or call (800) 430-4263 (Health Care Options) to find out more about eligibility
for state-sponsored programs. You may also visit the Alameda County Social Services
Agency at www.alamedasocialservices.org/public/services/medical_care/
or call (510) 777-2300 (toll free number (800) 698-1118) for Medical enrollment
information. - MRMIP Visit http://www.mrmib.ca.gov/
or call (800) 289-6574. The state-funded Major Risk Medical Insurance Plan (MRMIP)
is a program that provides health insurance to Californians who are unable to
obtain coverage in the individual health insurance market (usually due to pre-existing
health conditions).
Other Insurance Plans in California:
- Aetna
Aetna offers "Aetna Advantage" high deductible
PPO plans for individuals with optional dental coverage. Visit http://www.aetna.com/members/individuals/
or call (800) 694-3258. - PacifiCare
PacifiCare, a UnitedHealthcare
company, offers PPO and HMO plans for individuals. Visit www.pacificare.com
or (800) 516-2596.
Please Note: This site is provided as a service
to students. It is not meant as a University endorsement of any insurance company,
plan or broker. The information provided is a summary only and is subject to change.
Contact the insurance company or a broker for additional plan details and the
most current information about eligibility and benefits. |
| Definitions | |
| Coinsurance | Percentage
of fees for services you must pay, in addition to what the plan pays |
| Co-pay | Set dollar
amount you need to pay for a covered service | | Deductible | The
amount you need to pay out of pocket before the plan will pay for medical services.
| | Premium | The
rate you pay to be enrolled in an insurance plan, usually monthly |
| HMO | Health
Maintenance Organization: A plan in which you choose a primary care physician
who coordinates your care with providers in the plan network |
| PPO | Preferred
Provider Organization: A group in which you have direct access to providers in
the plan network, as well as other providers at higher cost |
| Limited Benefit PPO | Some PPO plans
have lower premiums because certain benefits are not included, such as maternity
or full prescription drug plans | | Preferred,
Participating or In-Network Providers | Providers
that accept a negotiated or contracted rate as full payment for services. |
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