Student Injury & Sickness Insurance Plan 2008-09

What does the Student Insurance Plan offer?
What services are covered by the plan?
How do I get an insurance card and brochure?
If I'm not enrolled in classes, can I still get the Student Insurance Plan?
How do I file a claim under the student insurance plan?
Checklist for filing a claim
Instructions for the Student Resources website
Vision plan
Dental coverage
Global emergency assistance

The Ohio University Student Injury and Sickness Insurance Plan (hereafter "student insurance plan") is designed to supplement care provided by the Student Health Services and is required for Ohio University students attending the Athens campus who do not document other insurance coverage.  It is provided by Student Resources, a private company under contract with Ohio University.  The student insurance plan covers illnesses and injuries that occur either on or off campus, 24 hours a day anywhere in the world. This plan is also available to spouses and children of university students.   

For complete information about the student insurance plan, including access to Student Insurance Referral Forms (formerly called Claim Form), insurance cards, and dependent enrollment forms, click here.

It is very important that you read the brochure that explains the benefits, limitations, and exclusions associated with the student insurance plan.  Nothing printed in this web site should be understood to be a promise of payment. Students must meet the guidelines as presented in the brochure.  The 2008-2009 brochure is available here.

What does the Student Insurance Plan offer?
Ohio University, through Student Resources, offers one medical insurance plan for all students.  Plan coverage generally begins on September 1st of an academic year and ends at 12:01 AM of the following year (For example, 9/1/08 - 9/1/09).  Students will be billed for the insurance on their Fall, Winter and Spring quarter fee bills.  These three equal payments will cover the student from 9/1/2008 - 9/1/2009.

• Treatment by legally qualified medical practitioner
• Hospital confinement
• Services of a licensed nurse
• Ambulance service
• Prescription medications for sickness or injury
• Psychotropic prescriptions
• All other medical services and supplies which are ordered or prescribed by the attending physician - unless listed under "Exclusions"
• Alcoholism treatment
• Mental and nervous disorders
• Vision exam
• Repatriation
• Medical evacuation

• A student will use the Student Medical Insurance Information Form for services received in Hudson (including prescription medications).
• The Student Medical Insurance Referral Form that must be completed for all services received outside of Hudson, including prescription medications.  
• For each different sickness or accident the insured student will be required to send in either a Student Insurance Medical Referral Form or a Student Insurance Medical Information form. These forms will be mailed directly to United Healthcare Student Resources PO Box 809025 Dallas, TX  75380-9025. The forms and envelopes are available in the insurance office at Hudson Health Center 233 or you can print the forms directly from the United Healthcare website, or the Student Resources website, select Ohio University from the drop down box, and click on the link the reads "2008 Referral Form".

1. Gather all your SHS Pharmacy bills, other physician bills, and/or other pharmacy bills.  (Insurance companies need the actual listing of the services provided.  They will not accept your charge receipt, or your OU account statement.)
2. You can obtain a copy of your bill for services at the Student Health Service in the business office at Hudson Health Center 237, or call 740-597-1816.  Pharmacy charges can be obtained from the pharmacy at Hudson Health Center 109, or call 740-593-4738.
3. For services in Hudson, you will send the pharmacy invoice along with the Student Medical Insurance Information Form directly to UHCSR for sickness and injury prescription's reimbursement. Outside pharmacy receipts should be mailed to Medco except for mental health drugs which will also go to UHCSR.  
4. For services you receive outside of Hudson (e.g. hospital, physician office, out-patient surgery center, pharmacy), ask if they will bill the insurance company for you.  If they bill insurance companies, they will ask you for your insurance card, and they will then send the bill for charges to the insurance company.  However, you must still complete the Student Insurance Medical Referral Form. If the provider or the hospital will bill the insurance company for you, you will send the Referral Form separately.  UHCSR will match these two documents.  If the provider is not sending a claim to the insurance company, then you will attach the bills to the Referral Form and mail them to UHCSR.
5. Obtain a Referral Form from the UHCSR web site, or the student insurance office.    
6. Complete the Referral Form, making sure that you have included all requested information.
   1. a. If you have been referred for medical care to a medical service provider outside of Hudson Health Center by a Student Health Service provider, a form will be completed by a staff member and electronically filed to UHCSR.
   2. b. If you had to seek medical care when Hudson was closed or in an emergency or when you were not in the Athens area, you will complete that form yourself by placing a check mark next to the appropriate item.
7. For all pharmacy services received in the Student Health Service you will be charged through your university account.  You are responsible to pay your bill at Chubb Hall.   Students will receive reimbursement checks for prescriptions from the student insurance company.  The check will be sent to the address provided on the Information Form, or Referral Form.  Please make sure the address is correct.
8. Sign and Date the form.  
9. Use a paperclip or staple to attach all bills and supplemental information to the back of the Student Insurance Referral Form.  (If you received medical services outside of Hudson and that provider billed the insurance company for you, you will only send the Student Insurance Referral Form.)
10. Mail all documents to the address provided by the insurance company specifically for claim information.

1. Choose "Ohio University" from the drop down menu, and click on "View your plan brochure." 
2. You can print out Student Medical Insurance Referral forms, the brochure that details your plan, and enrollment forms for dependents.
3. If you are away from the Athens area and would like to find a doctor, click on the "Provider Search" link.  Your insurance plan does participate with the United Healthcare network. Your coverage is based on your using preferred providers.  If you go to an out-of-network provider, your reimbursement will change from 100% to 50%.
4. If you are a domestic graduate student or undergraduate student and do not meet the 7 credit hour requirement for automatic billing, consider the Special Category classifications mentioned in the brochure.  If you are participating in an internship, study abroad program, co-op program, masters or doctoral thesis program, 3 hours of graduate study, or are a J1 VISA visiting scholar, you may be eligible to purchase the plan.  Special Category forms are only available through the student insurance office at Hudson Health Center 233. Call 740-597-1816.
5. Students meeting the University eligibility requirements of 7 credit hours for domestic student and 1 credit hour for international student will be billed automatically on your student account.  Payment must be made with other University fees.

• There is a Vision Plan included in the cost of the student insurance plan. Benefits include:
• One comprehensive eye exam each 12 months at no additional cost.
• 20 % discount off the VSP doctor's fee for prescription lenses when a complete pair of glasses are purchased
• 20% discount off the VSP doctor's fee for frames when a complete pair of glasses is purchased
• Contact Lens Evaluation and Fitting.  15% discount off the cost of your contact lens exam.  This exam is in addition to your routine exe exam.
• Contact Lenses - VSP offers valuable savings on annual supplies of certain brands of contacts.  Visit www.vsp.com for details.

1. Click on the "Members and Consumers" box.
2. Follow the sign on instructions.  These instructions ask for the last 4 digits of your social security number and your first and last name.
3. Once you have signed on, a page opens with information about the benefits associated with the OU student plan.   If the VSP system does not recognize you as a subscriber call the student insurance office at 740-597-1816.
4. Do remember that you are expected to use VSP providers.  Click on the button "Find a VSP Doctor" to locate a participating provider.  In the Athens area, eight providers are available.