2021 2022 Trail Blazer Elite International Student Insurance Plan Christian Brothers University
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2021‐2022 Trail Blazer Elite International Student Insurance Plan Christian Brothers University
Why do I need health insurance? Simply put, obtaining healthcare in the United States is VERY expensive! Unlike some other countries, the U.S does not offer free medical care and the patient is responsible for paying for the costs of their own care. Insurance assists you in managing those costs. You may not currently have any health issues but you never know when you might need to visit a doctor or seek urgent medical care, whether it is for the flu or a serious injury, such as an automobile accident. Without insurance, medical bills can be extremely costly and if left unpaid, can affect your credit and your ability to continue your studies. CBU has partnered with ISP to provide you with a high quality insurance program to help with these costs when they do arise, and to provide you with access to quality medical care to keep you healthy while you’re here.
CBU Insurance Page ISP has provided a custom webpage where you can find important information about your plan. Visit www.coverage2u.com and select your school from the list. Here you can view your plan summary, the full insurance policy, access your account, find a medical provider, and more! Reference Trail Blazer Elite which is the plan for international students at CBU.
What does my insurance plan cover?
In general, your plan covers you for medical expenses you experience due to unexpected
accidents or sicknesses…
Accidents
Such as a car accident or slip and fall
Sicknesses
Common illnesses such as the flu or strep throat to more complex or chronic ailments
Medical Treatment for Accidents & Sicknesses
Doctor’s office visit
Emergency room visit
Hospital admission
Laboratory tests such as x‐rays or blood tests
Prescription drugs
Additional Benefits
Emergency Evacuation
Repatriation of Remains
Emergency Reunion / Family Reunion
Important Terms
Deductible: The dollar amount of Covered Expenses that must be incurred by you per policy
term before the insurance plan pays benefits. Under your plan, the deductible is $100.
Copay: The amount you are responsible for paying for certain types of services.
Co‐insurance: The percentage of the total charge after the deductible is met and any copays
are applied that is split between you and the insurance company. For in‐network services,
the plan pays 90% and you pay 10% of the covered charges. For out‐of‐network services the
plan pays 70% and you pay 30%.
Network: This is a group of doctors, hospitals, and other medical providers
organized into a group to provide you with savings on your medical costs.
Under your plan, the network is called PHCS.
You’ll see examples of how all of these terms apply shortly…
Coverage Details
It’s important to understand your coverage. You can view the plan summary and full policy at
any time by visiting www.coverage2u.com and selecting your school from the list. Some
important items to consider are below:
Maximum per Accident/Sickness: $600,000
This is the most the plan will pay for each accident or sickness you have while covered under the plan.
Deductible: $100 per policy period
You are responsible for the first $100 in medical expenses incurred under the plan per policy year.
Coinsurance: You pay 10% for in‐network and 30% for out‐of‐network services.
Maximum Out of Pocket: $2,000 for in‐network services
Once the amount of coinsurance you have paid reaches $2,000, the plan will pay 100% of the charges
excluding copays, deductibles, and non‐covered charges.
Copays: These are amounts you will owe on a per service basis:
Dr’s Office Visit: $25
Hospital Admission: $100 in‐network / $200 out‐of‐network
Hospital Emergency Room: $100 in‐network / $200 out‐of‐network
Prescriptions Drugs: $20 Generic / $15 Oral Contraceptives/ $50 All Other
How to Access Medical Care Your first choice for medical treatment should be the campus health center. However, in the event of a life threatening or serious emergency, go directly to the nearest Emergency Room or call 9‐1‐1. IMPORTANT! For non‐emergencies, visits to the ER can lead to long wait times and higher costs. If you need immediate care for a severe but non‐life‐threatening medical condition and you cannot wait for a scheduled appointment, an urgent care center is a good option. For all other instances where you need non‐urgent medical care and cannot obtain treatment at the campus health center, you should make an appointment with a doctor or visit a walk in clinic. IMPORTANT! Always check with the doctor or medical facility directly to confirm that they are a member of the network before you receive treatment. This will save you money!
Which doctors and hospitals can I visit? You can visit any doctor you wish, but in order to keep your out‐of‐pocket costs as low as possible, you should first seek treatment at the student health center on campus or a network provider. The network the plan utilizes is called PHCS. You can visit the PHCS website to locate participating doctors and providers. Instructions are included with your ID card on pages 3 & 4 detailing exactly how to do this. You can also visit www.coverage2u.com, select your school from the list, and click Find a Provider. IMPORTANT! Always check with the doctor or medical facility directly to confirm that they are a member of the network before you receive treatment. Just because a facility such as a hospital is in the network doesn’t mean that all doctors at a facility are automatically in the network. Always ask if the doctor is part of PHCS network. This will save you money!
Finding a PHCS Network Provider
Prescription Drugs
When the doctor provides you with a prescription for medication, take it to the local pharmacy
and provide them with the prescription and your insurance ID Card.
Important information regarding your prescription coverage is located on your insurance ID card.
You will need to pay the pharmacy your applicable copay: $20 for a generic medication; $15 for
oral contraceptives and $50 copay for any other medications.
If the cost of the medication is less than the copay amount, then you would pay the lesser amount.
The plan uses Express Scripts, a nationally recognized prescription vendor, which is accepted at
many pharmacies such as: Wal‐Mart, CVS, K‐Mart, Price Chopper, and many more national
chains and local pharmacists.
If you do not have your ID card with you and pay for a prescription, or the pharmacy does not
accept Express Scripts, you can submit a claim for reimbursement.
Instructions can be found at http://coverage2u.com/school/christian‐brothers‐university/Your Insurance ID Card International students at CBU are automatically enrolled into the insurance plan. Once you are enrolled, you can create your online account where you can access your electronic ID card at any time at www.coverage2u.com. Instructions are sent to you via confirmation email once you are enrolled into the plan by CBU. IMPORTANT! Carry your insurance ID card with you at all times. It contains important information regarding your plan and you’ll need to provide it when obtaining medical care or a prescription. If you receive medical services and don’t have your ID card with you, you may need to pay the medical provider and then submit a claim later.
Your Insurance ID Card
Your insurance ID card includes important information
that is provided to help you, along with information
useful to your medical provider or pharmacy when you
use your insurance.
Important contact information on finding network providers
or pharmacies, contacting customer service, and submitting
claims
Your identifying info, such as your name and insurance
member ID #
The dates that your insurance is valid
Prescription information. This will be needed if you need
medication from a pharmacy.How do insurance claims work?
In most cases, using your insurance should be an easy process! Simply bring your insurance ID
card with you and the medical provider can do most of the work!
Provide your Member completes
Medical provider
Visit medical insurance ID card to claim form and
bills insurance
provider the medical sends to claims
company
provider department
Medical provider Student pays
Member receives
Payment is sent to bills member for medical provider for
Explanation of
medical provider outstanding balance any Patient
Benefits (EOB)
(Patient Responsibility) ResponsibilityWhat if I already paid for medical services?
If you visit an out‐of‐network provider, don’t have your insurance ID card with you, or the provider is
unable to submit a claim directly to our claims team for you, they may ask you to pay for the service
on your own. If this happens, don’t worry! You can submit a claim for reimbursement.
Medical provider requires Member pays provider for
Visit medical provider
payment at the time of visit total cost of visit
Member receives
Explanation of Benefits
Member obtains itemized Member completes claim
(EOB) along with
bills from the medical form and submits to claims
reimbursement check for
provider and receipt department along with
amount paid, less any
showing total paid itemized bill and receipt
patient responsibility or
non‐covered expensesExplanation of Benefits Once your claim has been processed you’ll receive a document from our claims team called an Explanation of Benefits, EOB for short. This outlines the details of the medical service you received including the cost, how much of it is covered, any discounts, and what you owe to the provider. If you do owe anything, the medical provider will send you a bill which should match the Patient’s Responsibility amount listed on the EOB.
But what will it actually cost when I use my plan?
Medical costs vary greatly depending on what type of service you receive and where you receive it. There
could be a huge different in price between a doctor in Memphis and another in New York. Either way, we can
help you understand how the plan works. Here are some practical example to show you…
Doctor’s Office Visit
In this example, this is your first time using the plan and you visit a local in‐network doctor with a fever.
• Let’s say the total cost of the service you receive is $300.
• Since you haven’t used the plan yet this year, you would be responsible for you deductible, which is $100.
• Your copay for a Dr’s Office Visit is $25.
• The insurance company pays 90% coinsurance of the total cost after deductible and any copay. In this case, the
total cost remaining after the deductible + copay is $175, so the insurance company pays 90% of that amount
$175 X 90% = $157.50.
• You pay 10% coinsurance after the deductible is met, so in this case you would pay 10% of $175.00,
which would be $17.50. $175.00 X 10% = $17.50.
• Your total Patient Responsibility includes your deductible, coinsurance, and any copays. In this case
the total you would owe the medical provider would be $142.50.
• $100 Deductible + $25 copay + 10% coinsurance ($17.50) = $142.50.But what will it actually cost when I use my plan?
Here’s another example with a larger bill. As we mentioned earlier, the Emergency Room can be very
expensive. This is a conservative example of what an average ER visit might cost.
Emergency Room Visit
In this example, you have used the plan before and met your deductible and you visit the Emergency Room.
• Let’s say the total cost of the service you receive is $2,500.
• Since you have already met the deductible this year, you would not responsible for your deductible again.
• For an ER visit the copay is $100.
• The insurance company pays 90% coinsurance of the total cost after any copays you owe. In this case, the total
cost remaining after the copay is $2,400 so the insurance company pays 90% of that amount $2,400 X 90%
= $2,160.
• You pay 10% coinsurance after the deductible is met and after any copays, so in this case you would
pay 10% of $2,400 which would be $240 $2,400 X 10% = $240.
• Your total Patient Responsibility includes your coinsurance and any copays.
In this case the total you would owe the medical provider would be $340.
• $100 ER Copay + 10% coinsurance ($240) = $340Create Your Member Account Your plan provides you with 24/7 access to helpful online features. Using the Member Portal you can download your insurance ID card and update your contact information! To begin, visit www.coverage2u.com and click MENU at the top right, then Member Portal.
Create Your Member Account If you have not yet created an account on this site, click Create Account to proceed. Enter your information on the next screen exactly as on file with CBU including your CBU email address. IMPORTANT! If you created an account last year you can continue to use login. You do not have to create a new one.
Create Your Member Account If the information you entered matches the Next, you will need to activate your information we have on file for you, you will account. You will receive an email to do so. receive the following message: Click “activate!” to continue.
Create Your Member Account
If all is successful a message will appear confirming
Next, create your password and security account activation. You’ll be directed back to the Member
questions. You’ll need the security Portal login where you can enter your email address and
password you just created.
questions if you forget your password!
You can now use your member account to download your
electronic ID Card or update your contact information such
as your mailing address or telephone number.
.What if I need assistance?
We are here to help you!
Contact ISP for all general questions or concerns:
(877) 738‐5787
Email: info@intlstudentprotection.com
Contact Administrative Concepts, Inc. for questions regarding specific medical benefits or to
check that status of claims:
(800) 476‐4802
Email: claims@visit‐aci.com
Contact PHCS for help locating an in‐network provider:
(800) 678‐7427
Web: www.multiplan.comQuestions?
We are here to help!
Contact Us
1‐877‐738‐5787
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