Health Insurance
Enrollment
The University of Tennessee, Knoxville has a policy with United Healthcare Student Resources (UHCSR Policy Number 2009-1268-1) to provide health insurance for students, international scholars, and other international visitors associated with The University. The agent for this policy is The Hildreth Agency, located at 10259 Kingston Pike in Knoxville. Hildreth’s phone: 865-691-4652 or 1-800-874-0831; website www.hildrethins.com. UHCSR Customer Care phone: 800-767-0700. Online support: 877-844-4999;Pharmacy information: 877-842-6048. Address of UHCSR: P.O, Box 809025, Dallas, TX 75-380-9025;
Website of United Healthcare Student Resources: www.uhcsr.com; e-mail: info@uhcsr.com.
Students
Students employed as graduate assistants will have insurance coverage for the period of their employment only, paid by UT.All other international students will be charged for the insurance at the time of enrollment, and payment must be made to the Bursar. Dependent coverage for registered students should be purchased separately. Forms and information available at the UT Student Health Service. Dependent coverage must be purchased before September 30, 2009 for Fall Semester, and before February 28, 2010 for spring/summer coverage, unless dependents arrive in the U.S. after those dates. Students enrolling for the first time in Summer should enroll their dependents as soon as they arrive. Students whose assistantships are ending before they graduate should contact the Student Health Service immediately to arrange for continued coverage.
Scholars and graduate students
International scholars, visitors to UTK, F-1 and J-1 students who have applied for or have been approved for Practical Training or Academic Training, and some employees, may purchase this insurance through the Center for International Education. Normally, premiums will be calculated on a monthly basis The insurance may be purchased on a weekly basis if the scholar’s stay is six weeks or less. If your stay will be three months or longer, you must normally purchase a minimum of three months of insurance at a time. Refunds of premium payments are normally not given.
Cost
The rates listed are for 2009-2110.
| Scholar | Student | |||||
|---|---|---|---|---|---|---|
| Annual | Monthly | Weekly | Fall Only | Spring/Summer | Summer | |
| Student/Scholar Only | $1,119 | $94 | $21 | $469 | $650 | $282 |
| Spouse Only | $2,869 | $239 | $55 | $1,203 | $1,666 | $723 |
| One Child Only | $,1457 | $121 | $28 | $611 | $846 | $367 |
| Unlimited Children | $2,911 | $243 | $56 | $1,220 | $1,691 | $734 |
Additional Coverage $340 per person for academic year or any part of it (8/1/2009 - 7/31/2010). Monthly charge not available (to $500,000/year)
* Students enrolling in Spring Semester will be charged for seven months to cover spring and summer.
Benefits
Please read the UHCSR website for detailed information about benefits and exclusions.
There is a deductible of $350 per person per year or $1050 per family per year. This means that at least $350 of medical costs must be paid by the insured person before most of the insurance benefits will begin. The coverage year runs from August 1, 2009 to July 31, 2010. However, whether the deductible has been met or not, the fee for each doctor’s visit will be $60; fees for other services will probably be reduced, as long as you use a provider listed on the UHCSR website. After the deductible has been paid, insurance will normally pay 80% of eligible medical expenses up to a maximum of $100,000. If you have the additional coverage, there is a $500,000 maximum. See UT Insurance booklet or the website www.studenthealthprograms.com for full explanation of benefits.
Important: To receive this level of benefits, you must use only hospitals, physicians or other providers in the UHCSR network. A list of these providers is available at the website: www.uhcsr.com If you use a provider who is not in the network, the insurance benefits will probably be much lower. Students must also first visit the UT Student Health Service to get a referral for other services. Scholars and other non-enrolled student are not eligible to use the UT Student Health Service.
Prescriptions
As soon as your insurance becomes effective, you will also have Prescription Drug coverage. Although there is no deductible, you will be charged $20 - $65 per prescription. (We urge you to request generic prescriptions to save money and pay a lower co-pay.) The remaining cost is paid by the insurance company, up to a maximum of $500 per policy year.
Claims
Insurance claims are normally filed directly by the physician, pharmacy, or other provider. Sometimes, this is not possible, especially if you have not yet received the official insurance card. In this case, you may send the bill to the insurance company. Contact Hildreth or the UT Student Health for more information. [Prescription claim forms are available on the website]
Evacuation/Repatriation
This plan will provide the cost of transportation to the home country if deemed medically necessary (evacuation); in the case of death, the cost of repatriation to the home country will also be covered. Call 877-488-9833 for more information.
Exclusions and Limitations
This insurance policy does not provide coverage for normal dental care (except in the case of accidents) additional dental insurance is available on request; this policy does not cover the cost of eyeglasses or regular eye exams. Insurance covers one physical check-up per year. Pre-existing conditions are normally not covered.
A more detailed list of exclusions and limitations is available on the UHCSR website and in the UT Insurance booklet. Please read before arranging for medical treatment.. Call Hildreth’s office for further details.
Insurance Identification Card
A few weeks after the insurance is purchased, an ID card will be issued. Students should contact the Student Health Center to inquire about their cards . Cards for scholars are usually sent to their home or office address. If scholar card is not been received within one month, contact CIE. Cards can also be printed from the UHCSR website.
Updated: November 2009