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Health Advocate – Southwestern University

Health Advocate is an added bonus when you enroll in a UnitedHealthcare student medical plan. Your Health Advocate benefit, provided by Southwestern University, includes three important features: Healthcare Help, MedChoice Support, and Medical Bill Saver. This all-in-1 benefit is designed to help you and your enrolled dependents personally navigate the healthcare maze, make better decisions about your medical care, and lower your medical bills.

Health Advocate Flyer

 

Healthcare Help    |     MedChoice Support     |     Medical Bill Saver     |     Contact Health Advocate

Healthcare Help

What is Health Care Help?
You have unlimited access to a Personal Health Advocate (PHA), typically a registered nurse, supported by medical directors and billing and claims specialists. The PHA can help you resolve a full range of clinical and insurance-related issues quickly and dependably, saving you time, money, and worry.

How Does it Work?
If you have a healthcare or insurance-related issue, call our toll-free number. You’ll be assigned a PHA who can help you with issues from finding qualified providers and services, to clarifying health coverage, addressing claims and billing concerns, to offering cost estimates for common medical procedures.

Reasons to Call

  • Find the right doctors, hospitals,
  • Schedule tests, appointments,
  • Secure second opinions,
  • Untangle Claims, billing errors,
  • Navigate your insurance plan,
  • Explain conditions, treatments, and
  • Help you make informed decisions.

 

MedChoice Support

What is MedChoice Support?
MedChoice Support is an interactive online tool that helps you weigh the pros and cons of procedures, treatments, and medications, including the risks and potential outcomes to help you make the right decisions about your care.

How can it Help?

  • Step-by-step guidance for healthcare decisions, using evidence-based information, on topics from surgery to alternative treatments,
  • Personal assessments gauge feelings and decisions, and
  • Downloadable summary to share with your healthcare team.

To access MedChoice Support, please CLICK HERE.

 

Medical Bill Saver

What is Medical Bill Saver?
The Medical Bill Saver feature provides skilled negotiators who will work with your providers to lower your out-of-pocket costs on your medical or dental bills over $400 not covered by your insurance. We can attempt to negotiate bills to help reduce the balances that apply to deductibles and coinsurance.

How can it Help?

  • Negotiation can result in 25-50% savings.
  • Easy-to-read personal Saving Result Statement, summarizing outcome and payment terms.
  • Provider sign-off on payment terms and conditions.

All three features are available to students and their dependents who are enrolled in the UnitedHealthcare student medical plan. If you have a question about who is covered for service, simply call us.

 

Contact Health Advocate

Help is Only a Phone Call Away!

Phone Number: 1-866-799-2670
Email: ANSWERS@HEALTHADVOCATE.COM
Web: HEALTHADVOCATE.COM/MEMBERS

                                                    Health Advocate can be accessed 24/7.

 

Dental, Vision and Other Discount Services – Southwestern University

Included with most student health insurance policy is the UnitedHealth Allies discount card. To see if Student Health Allies is included with your plan, please review your brochure or check your permanent ID card. We’re confident that the UnitedHealth Allies program can help you stretch your health care dollar on:

Dental Care

Save from 10% to 35% on a range of dental services including routine cleaning, x-rays, even cosmetic dentistry, such as teeth whitening.

Vision Care

Pay no more than $40 for an annual eye exam, and save 10% to 20% on eyeglasses from participating eye care professionals and retail vision chains and fittings for contact lenses (not included in annual eye exams).

Wellness products and services

Be healthier and save money with discounts of 10% to 50% on weight management, fitness memberships and equipment, relaxation resources, natural products, and vitamins and supplements. For a complete UnitedHealth Allies brochure on Dental Care, Vision Care, and Wellness Products and Services please click on the link below:

UnitedHealth Allies Brochure

UnitedHealth Allies is not insurance. UnitedHealth Allies provides discounts at certain health care providers for medical services. UnitedHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services, but will receive a discount from those healthcare providers who have contracted with the discount plan organization.

 

Enroll Now-Health Insurance – Southwestern University

Welcome to the Student & Dependent Enrollment Center! Here you will find all the necessary tools to enroll in your school sponsored policy.

We suggest you review the brochure for your rates, effective dates and optional coverages before starting the enrollment process. The plan’s benefits can be found in the brochure within the Schedule of Benefits section with the exclusions towards the back.

2015-2016 Enrollment Information

View your school’s BROCHURE

Hard Waiver Student Eligibility

  • Full-time Registered Undergraduate Domestic Student (taking 12 or more credit hours)


Are automatically enrolled in this Insurance Plan at registration and the premium for coverage is added to their tuition bill unless proof of comparable coverage is furnished.

 

Begin the enrollment process by following the instructions below.

Hard Waiver Student Enrollment Instructions

Enrollment Deadlines:

  • Annual Enrollment Deadline: 8/15/15


If you have missed the hard waiver enrollment deadline, but have not previously waived out of the insurance, you will be automatically enrolled in the insurance by your school, after the waiver deadline.

If you have previously waived out of the insurance but have since lost coverage due to a Qualifying Life Event please contact us.

Please note: If you do not enroll for the year during the fall open enrollment period, you will not be able to enroll later during the 2015-2016 school year without experiencing a “Qualifying Life Event”. This means that the loss of coverage is no fault of your own or the policyholders (i.e. you get married or become too old to be on a family plan). You will be eligible to enroll within thirty days of this “Qualifying Life Event”. After thirty days, you will no longer be eligible.

Dependent Enrollment Instructions

Eligible students who do enroll may also insure their dependents. Eligible dependents are the student’s spouse and dependent children under 26 years of age.  Please see the Enrollment Instructions below.

Deadlines:

  • Annual Enrollment Deadline: 8/15/15


Enroll by Mail

  • Dependent ONLY – Enrollment Form


To enroll by mail-download an enrollment form and submit by mail using a check or money order. The mailing address is listed on the back of the Enrollment Forms.

The effective date of your dependent’s coverage will be start date of the coverage period you enrolled in

If you did not enroll your dependent during the annual open enrollment period but your dependent has since lost coverage due to a Qualifying Life Event please contact us.

Open Enrollment Periods

Open Enrollment Periods for all Dependents and Students: If you have eligible dependents in the Fall or are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline of *August 15, 2015, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event” during the year.

Qualifying Life Event


Students who did not enroll themselves or their dependent(s) during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event.

Qualifying Life Events include:

  • Acquiring a new family member
  • Marriage/Civil Union
  • Divorce
  • Loss or change of Job
  • Expiration of Benefits


If you and/or your dependents meet the requirements for a Qualifying Life Event, you will need to provide the following:

  • Proof of qualifying life event/proof of involuntary loss of coverage
  • Enrollment Form
  • Payment


All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student or dependents will no longer be eligible to enroll in the plan, until fall of the following school year.

Please Contact Us for cost and enrollment information as a Qualifying Life Event.

 

 

If you have any questions about the enrollment process, please call 800-505-4160 or CONTACT US

We are always happy to help in any way.

Privacy Policy

 

 

Dental, Vision and Other Discount Services – Rutgers Post Doctorate, Grad Fellows, TAs & GAs

Included with most student health insurance policy is the UnitedHealth Allies discount card. To see if Student Health Allies is included with your plan, please review your brochure or check your permanent ID card. We’re confident that the UnitedHealth Allies program can help you stretch your health care dollar on:

Dental Care

Save from 10% to 35% on a range of dental services including routine cleaning, x-rays, even cosmetic dentistry, such as teeth whitening.

Vision Care

Pay no more than $40 for an annual eye exam, and save 10% to 20% on eyeglasses from participating eye care professionals and retail vision chains and fittings for contact lenses (not included in annual eye exams).

Wellness products and services

Be healthier and save money with discounts of 10% to 50% on weight management, fitness memberships and equipment, relaxation resources, natural products, and vitamins and supplements. For a complete UnitedHealth Allies brochure on Dental Care, Vision Care, and Wellness Products and Services please click on the link below:

UnitedHealth Allies Brochure

UnitedHealth Allies is not insurance. UnitedHealth Allies provides discounts at certain health care providers for medical services. UnitedHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services, but will receive a discount from those healthcare providers who have contracted with the discount plan organization.

 

Enroll Now-Health Insurance – Rutgers Biomedical and Health Sciences


Welcome to the Student & Dependent Enrollment Center! Here you will find all the necessary tools to enroll in your school sponsored policy.

We suggest you review the brochure for your rates, effective dates and optional coverages before starting the enrollment process. The plan’s benefits can be found in the brochure within the Schedule of Benefits section with the exclusions towards the back.

2016-2017 Enrollment Information

Coming Soon

 

 

If you have any questions about the enrollment process, please call 800-505-4160 or CONTACT US

We are always happy to help in any way.

Privacy Policy

 

Dental, Vision and Other Discount Services – Rutgers Biomedical and Health Sciences

Included with most student health insurance policy is the UnitedHealth Allies discount card. To see if Student Health Allies is included with your plan, please review your brochure or check your permanent ID card. We’re confident that the UnitedHealth Allies program can help you stretch your health care dollar on:

Dental Care

Save from 10% to 35% on a range of dental services including routine cleaning, x-rays, even cosmetic dentistry, such as teeth whitening.

Vision Care

Pay no more than $40 for an annual eye exam, and save 10% to 20% on eyeglasses from participating eye care professionals and retail vision chains and fittings for contact lenses (not included in annual eye exams).

Wellness products and services

Be healthier and save money with discounts of 10% to 50% on weight management, fitness memberships and equipment, relaxation resources, natural products, and vitamins and supplements. For a complete UnitedHealth Allies brochure on Dental Care, Vision Care, and Wellness Products and Services please click on the link below:

UnitedHealth Allies Brochure

UnitedHealth Allies is not insurance. UnitedHealth Allies provides discounts at certain health care providers for medical services. UnitedHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services, but will receive a discount from those healthcare providers who have contracted with the discount plan organization.

 

Waive Your Schools Insurance – Rowan University School of Osteopathic Medicine

Welcome to the Waive Your School’s Insurance Center!

This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.

The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.

2016-2017 Waiver Information

Hard Waiver Student Eligibility

  • Full-time RowanSOM student
  • Full-time Postdoctoral Fellow student
  • Part-time RowanSOM student (who participates in clinical experience as part of their educational programs)

 

Students are required to purchase this plan unless proof of comparable coverage is furnished. Hard waiver students are required to have health insurance to attend Rowan University School of Osteopathic Medicine.

For those students who do not submit an approved waiver form before the deadline, you will be automatically charged and officially enrolled in the Student Health Insurance Plan. Once enrolled there are no refunds or cancellations. (Please note, automatic enrollment will occur AFTER the waiver deadline.)

Please Note:  If you waive the insurance you will not be eligible to enroll until the following school year unless you experience a Qualifying Life Event.

Hard Waiver Student Waiver Instructions

Waiver Deadlines:

    • Annual Waiver Deadline: 9/15/16


After you verify that you are a hard waiver student and have other insurance you will need:

    • Your current health insurance plan ID card,
    • Your health insurance brochure or plan description (or you might want mom & dad’s phone number handy to help answer some of the waiver questions). There might be a few questions about your current plan.

Once submitted, a confirmation email is sent to your Rowan University email account immediately.  Please note that it is your responsibility to save and print a copy of this email as proof of having had submitted the insurance information.  If you have not received or do not receive an email then you did not complete the entire waiver and need to resubmit it.


For those students who do not submit an approved waiver form before the deadline, you will be automatically charged and officially enrolled in the Student Health Insurance Plan. Once enrolled there are no refunds or cancellations. (Please note, automatic enrollment will occur AFTER the waiver deadline.)


Please Note:  If you waive the insurance, you will not be eligible to enroll until the following school year, unless you experience a Qualifying Life Event.

Open Enrollment Periods

Open Enrollment Periods for all Dependents and Students: If you are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Annual Enrollment Deadline of *September 15, 2016, you will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event” during the year.

Qualifying Life Event

If you did not enroll during your open enrollment period and have since lost coverage under your original plan, you may qualify for a Qualifying Life Event upon providing proof of involuntary loss of coverage and payment within 30 days of losing coverage. (example: marriage, divorce, loss of job, etc) The enrollment form, check or money order, and the letter of creditable coverage must be received within 30 days of losing coverage.After 30 days the student will no longer be eligible to enroll in the plan until Fall of the following school year.

Please CONTACT US for cost and enrollment information as a Qualifying Life Event.

 

If you have any questions about the waiver process, please call 800-505-4160 or CONTACT US

We are always happy to help in any way.

Privacy Policy

Enroll Now-Health Insurance – Rowan University School of Osteopathic Medicine


Welcome to the Student & Dependent Enrollment Center! Here you will find all the necessary tools to enroll in your school sponsored policy.

We suggest you review the brochure for your rates, effective dates and optional coverages before starting the enrollment process. The plan’s benefits can be found in the brochure within the Schedule of Benefits section with the exclusions towards the back.

2016-2017 Enrollment Information

Coming Soon!

If you have any questions about the enrollment process, please call 800-505-4160 or CONTACT US

We are always happy to help in any way.

Privacy Policy

Dental, Vision and Other Discount Services – Rowan University School of Osteopathic Medicine

Included with most student health insurance policy is the UnitedHealth Allies discount card. To see if Student Health Allies is included with your plan, please review your brochure or check your permanent ID card. We’re confident that the UnitedHealth Allies program can help you stretch your health care dollar on:

Dental Care

Save from 10% to 35% on a range of dental services including routine cleaning, x-rays, even cosmetic dentistry, such as teeth whitening.

Vision Care

Pay no more than $40 for an annual eye exam, and save 10% to 20% on eyeglasses from participating eye care professionals and retail vision chains and fittings for contact lenses (not included in annual eye exams).

Wellness products and services

Be healthier and save money with discounts of 10% to 50% on weight management, fitness memberships and equipment, relaxation resources, natural products, and vitamins and supplements. For a complete UnitedHealth Allies brochure on Dental Care, Vision Care, and Wellness Products and Services please click on the link below:

UnitedHealth Allies Brochure

UnitedHealth Allies is not insurance. UnitedHealth Allies provides discounts at certain health care providers for medical services. UnitedHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services, but will receive a discount from those healthcare providers who have contracted with the discount plan organization.

 

Waive Your Schools Insurance – The College of New Jersey


Welcome to the Waive Your School’s Insurance Center!

This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.

The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.

2016-2017 Waiver Information

Hard Waiver Student Eligibility

  • Full-time Undergraduate students taking 3 Units (12 or more credit hours)
  • Full-time Graduate students taking 9 or more credit hours
  • All J1 students
  • Exchange students
  • Study abroad students
  • ESL (English as a Second Language) students
  •  Visiting Scholars regardless of credit hours


Are automatically enrolled in this insurance Plan at registration, unless proof of comparable coverage is furnished.

Full Time Undergraduate and Full Time Graduate Students Waiver Instructions

Waiver Deadlines:

  • Fall Waiver Deadline: 9/14/16
  • Spring/Summer Waiver Deadline: 2/7/17(For new incoming students only) 


Once submitted, a confirmation email is sent to your The College of New Jersey email account immediately. Please note that it is your responsibility to save and print a copy of this email as proof of having had submitted the insurance information.


If you have not received a secure email from CISCO, then you did not complete the entire waiver and need to log back onto the site and complete it. Once completed, the screen will show if you have been approved or denied and the secure email will be sent to your school email address.


WAIVE NOW


For those students who do not submit an approved waiver form before the deadline, you will be automatically enrolled in the Student Injury and Sickness Plan. Once enrolled there are no refunds or cancellations. (Please note, automatic enrollment will occur AFTER the waiver deadline.)

J1 Visa Students, Exchange Students, ESL Students, American Studies Students and Visiting faculty/Scholars Waiver Instructions


To complete the waiver process, please contact the Office of Student Accounts, Green Hall,

Room 119, (609) 771-2172.

Open Enrollment Periods


Open Enrollment Periods for all Students: If you are a student in the Fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Fall Enrollment Deadline of *September 14, 2016, you will not be eligible to enroll again until the start of the next Fall Semester unless you experience a “Qualifying Life Event” during the year.

*For new students in the Spring semester, your open enrollment deadline is February 7, 2017.

Qualifying Life Event


Students who did not enroll themselves during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event.

Qualifying Life Events include:

  • Acquiring a new family member
  • Marriage/Civil Union
  • Divorce
  • Loss or change of Job
  • Expiration of Benefits


If you meet the requirements for a Qualifying Life Event, you will need to provide the following:

  • Proof of qualifying life event/proof of involuntary loss of coverage
  • Enrollment Form
  • Payment


All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student will no longer be eligible to enroll in the plan, until fall of the following school year.


Please CONTACT US for cost and enrollment information as a Qualifying Life Event.

If you have any questions about the waiver process, please call 800-505-4160 or CONTACT US

We are always happy to help in any way.

Privacy Policy

 

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