All international students in F or J visa status are automatically enrolled in IUPUI's mandatory health insurance program for international students. Your insurance plan is provided by Aetna Student Health. The insurance brochure is available online at http://www.aetnastudenthealth.com/schools/iu/intbrochure0809.pdf.

Please note that international students with University Fellowships (semester stipend of $3077 or greater) or assistantships (Student Academic Appointments of.375 FTE or higher) are covered under a separate health insurance plan. Insurance premiums are billed to and paid directly by the academic department, and the coverage is similar but different from the plan described on this page. The brochure for SAAs and Fellowship students is available at http://www.aetnastudenthealth.com/schools/iu/brochure0809.pdf.

All enrolled international students in F-1 or J-1 status will automatically be enrolled in the mandatory insurance plan unless they have been approved for a waiver. You will be billed by the Office of International Affairs in two installments which will appear on your Bursar account:

• Fall 2008 (8/15/08 – 12/31/08): $355
• Spring/Summer 2009 (1/1/09 – 8/14/09): $577

Enrolling Dependents
If you have dependents,you will need to enroll them by completing the dependents’ enrollment form available online at www.aetnastudenthealth.com. Click on “Find Your School” and enter 812849 as your Policy Number. Unlike your own coverage, it cannot be billed to your Bursar bill. The completed Dependent Enrollment Form and premium should be submitted directly to Aetna Student Health, Inc, One Charles Park, Cambridge, MA 02142-1254.

Waivers
If you already have other health insurance coverage you may apply for a waiver from the mandatory plan. Not all insurance plans will qualify you for a waiver. Minimum coverage requirements must be met. Waivers are filed through the iStart system at istart.iu.edu. The deadline for filing a waiver request is 10 days from the first day of classes each semester. For Fall 2008, the deadline is August 30th. Waivers must be requested each semester to prevent billing.

The minimum coverage requirements for waiver approval are as follows:
$50,000 coverage for each sickness
$50,000 coverage for each injury
$10,000 medical evacuation to home country
$7,500 repatriation of remains to home country
Deductible (or excess fee) not more than $500 per sickness or injury (per person)
$100,000 lifetime policy maximum

To qualify for a waiver, students must have coverage for the entire billing period. Students applying for Fall waivers, must have coverage for at least August 15th through December 31st. Students applying for Spring/Summer waivers, must have coverage for at least January 1st though August 14th.

Graduate students with assistantships or fellowships
If you are a graduate student with an assistantship (student academic appointment at .375 FTE or higher) or fellowship (semester stipend of $3077 or greater), your department will pay 100% of your insurance premium and you will be automatically waived from the International Student Insurance Plan. Your coverage is different from that described in the brochure you will receive during the International Student Orientation. If your assistantship or fellowship should end or drop below the required level, you will automatically be billed the following semester for the full premium as an international student. Please discuss any questions you may have about your departmental support with your departmental advisor.

Seeking Medical Care
Your insurance plan includes a $500 deductible. This means that the first $500 of your medical care each year is paid by you. After your deductible has been met, Aetna will pay all covered medical costs. Please read the brochure carefully to understand the services that the plan covers. Remember, no insurance plan covers 100% of all medical costs. In addition to a deductible, the plan requires that you pay a $15 copay for each doctors visit.

The plan waives the $500 deductible and $15 copay for treatment you obtain at the Student Health Service (SHS), located on the first floor of Coleman Hall (beside Ball Residence Hall).  The SHS provides basic non-emergency medical services; you may schedule an appointment by calling 274-8214.  Services received at the Student Health Center will be paid upfront by the patient at the time of treatment. However, you may then submit your bill to Aetna Student Health for reimbursement.

If you need to seek medical treatment outside of the Student Health Service, you will need to seek a doctor within the Aetna network. The insurance program uses a “Preferred Providers Network.” When you visit a physician that is part of the network, all expenses covered by your health insurance (except for exceptions listed in the brochure) are paid by the insurance company at 100%. If you use a physician or hospital outside of the network, the insurance company will pay only 50% of “reasonable” costs.

The Aetna Insurance network is extensive and includes all hospitals and clinics within the IU Medical Center and Clarian Hospital networks, including University Hospital, Riley Hospital for Children; Wishard Memorial Hospital, Methodist Hospital of Indiana, and Methodist Medical Plazas located in various parts of the city. In addition, it includes the Community Hospitals.

You can verify whether a physician is a preferred provider by using Aetna’s online DocFind service located at www.aetnastudenthealth.com.  Click on “Find Your School” and enter 812849 as your policy number.

Further Information and Help
Detailed information about co-pays and other features of the program is available at http://www.aetnastudenthealth.com/schools/iu/.

An insurance representative is located at the Office of International Affairs ES 2126 on Wednesdays from 9-4, to help you with questions or concerns regarding your insurance coverage. You can call 812-856-4650 or e-mail studenhc@indiana.edu to contact the representative.  The insurance rep will be available in Bloomington on other days.

If you have questions about insurance billing or waivers, please contact the front desk of International Affairs at 317-274-7000 or oia@iupui.edu.