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Student Health Insurance Overview

How to obtain an insurance ID Card

Insurance cards will not be mailed out. Students may print a paper insurance card by following the steps below:

  1. Visit Aetna Student Health.
  2. Type your NSU ID # without the "N" and your date of birth. 
  3. Click on "Submit," and your ID card will appear below. You can save the image or print your ID card.

You may also request to have a card mailed to you by calling Aetna Member Services at (855) 821-9720

IMPORTANT: Before receiving any medical care with a Tier II or Tier III provider, you must obtain a referral from your Tier I provider, including for follow-up visits. You are also required to follow up with your Tier I provider to obtain a referral if you are referred to a different Tier II or Tier III provider for the same condition.

  • Referrals are required if you are within 25 miles of a Tier I provider. Locate a Tier I provider near you by referring to Aetna's Benefit Summary and Coverage Plan.
  • If you do not obtain the necessary referral your Aetna Student Health Insurance will not pay for any medical expenses, and you will be held responsible for payment.  

 

Referral is not required for the following exceptions:

  • Treatment for an emergency medical condition (A referral from the NSU Health Center may be necessary for follow-up care.)
  • Obstetric and gynecological treatment
  • Pediatric care
  • Preventative/routine services (services considered preventive according to Health Care Reform and/or services rendered not to diagnose or treat an accident or sickness)
  • Treatment when the you are more than 25 miles away from a Tier I provider
  • Treatment when the NSU Student Health Center is closed
  • Treatment administered from any Tier I provider

Tier I - NSU Student Health Center and Medical Clinics

  • Referrals are required if you are within 25 miles of a Tier I provider. Locate a Tier I provider near you by referring to Aetna's Benefit Summary and Coverage Plan.
  • Covered medical services rendered through a Tier I provider will be covered at 100% of the negotiated charge (plan deductible and copays waived), subject to benefit limitations and exclusions as they relate to health care services.
  • Sub-specialty care performed by a non-NSU Medical Clinic provider will be subject to the benefit period deductible, coinsurance, and co-payments.
  • The NSU Student Health Center is staffed by board-certified physicians and physician assistants who provide primary care services including:

     

Tier II - Aetna In-Network PPO Providers

Providers within the Preferred Provider network have agreed to accept negotiated rates which reduce students' out-of-pocket expenses. To find a doctor, hospital, or pharmacy. 

Before receiving any medical care with a Tier II or Tier III provider, you must obtain a referral from your Tier I provider, including for follow-up visits. Referrals are required if you are within 25 miles of a Tier I provider. Locate a Tier I provider near you by referring to Aetna's Benefit Summary and Coverage Plan.

Tier III - Out-of-Network Providers

Out-of-network providers may not accept payment of students' cost share (deductible and payment percentage) as payment in full and may therefore bill students for the difference between the amount billed and the amount paid by the plan. If an emergency room facility or physician bills you for an amount above your cost share, you are not responsible for paying that amount. Please send the bill to the address listed on your member ID card and Aetna will resolve any payment dispute with the provider over that amount. Make sure your member ID number is on the bill

Students graduating or otherwise leaving school whose 2016-2017 student health insurance coverage is terminating may elect to purchase a continuation option that will provide an additional three months of coverage based on the 2017-2018 policy year benefits.

Students graduating or otherwise leaving school whose 2017-2018 student health insurance coverage is terminating may elect to purchase a continuation option that will provide an additional three months of coverage based on the 2017-2018 policy year benefits. Please note that if you graduated in May, your plan will continue to cover you until the end of your academic program year in July or August. If you want to extend your coverage beyond that, you will be eligible for the continuation option, which can cover you for up to an additional three months. 

Please read the following important information prior to electing to enroll:

  • If you enroll within 15 days after your current 2017-2018 NSU Student Health Insurance plan expires, coverage under the 2018-2019 plan will be in effect the day after the expiration date.
  • The maximum length of coverage under the continuation option is three consecutive months.
  • The continuation option is not renewable, nor can the policy be cancelled once an application has been received. No refunds will be issued.

APPLY FOR THE THREE-MONTH CONTINUATION OPTION

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