Feel free to call our insurance broker, Collegiate Insurance Resources at 1-800-322-9901 and push option 0 to reach a Customer Service Representative.
A. All international students are required to be enrolled in the school sponsored insurance plan. The enrollment is automatic. There is no waiver available.
All domestic students taking 9 or more units or who are considered a full-time student at NYU-Poly, must carry valid accident and sickness insurance that is comparable to the institute-sponsored plan. HMO plans that do not have local coverage will not be considered adequate coverage. If you do not show proof of existing coverage through the waiver process, you will be automatically billed and enrolled in the school plan.
A. Only domestic students may waive the school-sponsored plan and must do so bySeptember 14, 2012. To waive coverage you must complete the online "Student Insurance Waiver Form" which can be obtained by going to www.cirstudenthealth.com/poly In order to waive coverage under the school’s program, you must have comparable personal coverage, which will provide full coverage in the local area. You will be required to provide us with the name, policy number, phone number, and who is the primary insured for your policy. You will also be asked to complete a few other required questions, so that our insurance carrier and we can properly identify you and contact you, if necessary.
A. If you waive enrollment, and your waiver is accepted, your insurance fees will be removed from your tuition bill within 10 business days.
A. If you are in a HMO which does not provide local coverage, or if, upon review, your plan does not provide adequate (equal or better coverage) to the NYU-Poly-sponsored plan, we would not approve your waiver. You will be notified within 5 days of completing your waiver request of this decision via email and/or US mail. You will be contacted by our broker for more information about your private insurance, if additional information is needed.
A. For the fall 2012 semester, the cost for all students, both full time and part time students, is $468. Coverage goes from August 24, 2012 to January 1, 2013. The cost for the spring/summer coverage that will be added to a full time student’s tuition statement will be $373. Continuing part-time students will have to submit their payment into USI prior to January 1, 2013 for coverage to continue. New students entering Polytechnic for the first time in spring, will have a cost of $575. The spring/summer coverage will be from January 1, 2013, to August 24, 2013.
A. In most cases, your family medical coverage will provide you with adequate coverage while attending NYU-Poly. However, it is a good idea to call your benefits administrator, tell him/her that you will be studying in Brooklyn, NY, and ask how benefits will be administered if you need care while on campus. Most "out-of-area" HMO-style plans will only pay for local treatment in the event of an emergency, (requiring that you return home for the treatment of any non-emergency conditions). If that is the case with your coverage, you MUST enroll in the school’s plan.
A. Your coverage would begin January 1, 2013. Your insurance identification card will list the beginning and ending dates of coverage. If you were enrolled in the plan for fall 2012, your coverage is continuous from August 24, 2012, to August 24, 2013.
A. If you are taking 9 or more units or are considered full-time, the fees will be included on your tuition bill. You will be charged for the insurance and will be automatically enrolled. If you are taking less than 9 units or are considered part-time, enrollment is voluntary. You will not be enrolled and will not have the option of enrolling in the insurance plan until next fall.
A. You can only enroll in the plan if you lose your private insurance coverage. You will hae 30 days from the time you lose coverage to contact USI to talk about enrolling. USI will calculate a pro-rata rate for you and provide you with an enrollment form to complete. Every situation may be different so please ask us for a decision concerning your specific situation..
A. As NYU-Poly’s plan utilizes a national preferred provider organization (PPO), PHCS, if you go to a PHCS provider, you will have a $20 office visit copay, and the insurance will pick up the remaining balance for the office visit. If you go to an out-of-network provider, yo will have a $20 copay to pay at the time of the visit, and the plan will pick up 60% of the reasonable and customary charges. You will be responsible for the 40% of reasonable and customary charges, plus any amount over reasonable and customary charges. This amount will show on your explanation of benefits. Please note: PHCS is a PPO network owned by MultiPlan and provides additional savings to the individuals utilizing PHCS network providers.
A. A PPO is a listing of independent doctors, hospitals and health care professionals organized into a network for the purpose of delivering quality health care at affordable prices. PPO’s should not be confused with Health Maintenance Organizations (HMO). Very simply stated, an HMO is a group of medical providers controlled by a common employer. An HMO requires that all of your care be managed by an appointed primary care physician or gatekeeper. A PPO is a group of independent medical providers affiliated simply by a common agreement to discount the price of their services to individuals insured under specified insurance policies.
A. A PPO differs primarily from an HMO in that the patient has the ability to go to any doctor for their treatment. They do not need referrals to see specialists. When they go to a PPO provider, they receive a higher benefit, than when they go to a non-network provider. With an HMO, the member/patient must go to a Primary Care Physician (PCP) first, and then be referred to a specialist. They can only see providers that are within the HMO.
A. No. If your plan refers to in-network and out-of-network benefits, then it includes a PPO Network. PPO- type plans pay substantially higher benefits, with substantially lower out-of-pocket expenses than do plans that do not involve PPOs.
A. No. Your PPO has both a strong local presence and national representation. While most of your care is expected to be in the area of the college, we also know you may need medical attention when you are at home or traveling. To find network providers anywhere within the country, go to MultiPlan’s web site. Your coverage is good worldwide. If you are in an area where there are no network providers, e.g. overseas, you will not be penalized. The claim should be processed at the higher coinsurance level. If it is not, and that is the situation, please contact Administrative Concepts, Inc., and explain the situation and ask them to reprocess the claim.
A. There are usually a variety of sources to obtain information about who is a Network approved provider. You can go to MultiPlan’s web site directly, to search for network providers. The best, most up-to- date and flexible method is to access the PPO’s Web Site. The address is also printed on your brochure and ID card. You can also contact the PPO by telephone at 1-800-922-4362. They are available 24 hours a day, 7 days a week.
NOTE: NYU-Poly students have full access to the NYU Student Health Center (SHC) whether enrolled in the NYU-Poly-sponsored health insurance plan or maintaining alternate health insurance coverage. For a sample of services offered by SHC, download this list of sample services. For hours of operation and other pertinent information on the NYU Student health center, visit the SHC web site.
A. No. Referral from a primary physician is a common requirement of an HMO but not of a PPO.
A. You should show your student insurance identification card to the provider at the time of service. Your card has the network logo on it, which will identify you as eligible to be seen and receive the network agreed upon rates.
A. No. The NYU-Poly school plan leaves the choice of physician up to you. However, NYU-Poly’s plan does utilize a national preferred provider organization (PPO), PHCS. You can go to the MultiPlan website, www.MultiPlan.com to select a network provider to receive the highest level of benefits and reduce your costs. You can also contact PHCS by calling their toll-free customer service center at 1-800-922-4362.
A. Network providers have already signed agreements discounting their standard charges for insureds associated with a specific insurance plan. Typically you will see a discount between 20-60% from the providers standard fees.
A. No, you may use any provider you wish. However, plan benefits and out-of-pocket expenses are more favorable if you use a PPO provider.
A. Usually those that are medically necessary, that do not exceed reasonable and customary charges and that are not specifically excluded in the policy.
A. If network providers are utilized, there is $0 deductible for either injuries or sickness and you simply will pay a $20 copay for an office visit. Other services are covered at 90%. If a non-network provider is utilized for injuries (accidents), 100% of the first $2,500 is paid and then 60% of the remainder up to the $100,000 maximum. If a non-network provider is utilized for a sickness, after a $100 deductible per condition, 60% of usual and customary charges. For office visits, you would pay a $20 copay at the time of service and then the plan would pay 60% of usual and customary charges.
The plan generally covers medically necessary care for conditions that are not specifically excluded. Please download the brochure for a complete description of benefits and exclusions.
A. UCR and R&C are interchangeable terms. They refer to a method by which the insurance industry determines what most providers’ charge for a specific service in a specific area of the country. These standards are developed based on actual charges and are up-dated constantly based on current pricing.
A. No more benefits are payable for that condition under the insurance plan. Costs above your maximum would be your responsibility to pay.
A. Yes, both inpatient and outpatient mental health care is covered up to specific limits.
A. For outpatient mental health, for non-biologically-based diagnoses, you are covered for 20 outpatient visits. For biologically-based diagnoses, there is no limit on the number of outpatient visits. Utilization of a PHCS network provider will provide you with the lowest out of pocket costs, as reduced rates have been negotiated with the providers in the network.
Inpatient mental, nervous, or emotional disorder expenses are covered the same as any other sickness for a maximum of 30 days per sickness.
A. A medical provider is a general term used to describe a person or entity licensed to deliver health care. The term includes physicians, hospitals, clinics, group practices, pharmacies, radiology, and lab facilities.
A. Yes. Your plan utilizes Medco, which is a national pharmacy program.
A. At the end of the on-line enrollment process, you will be able to print your ID card. Keep this with you, as it will identify you to providers. Show your participating pharmacist your insurance identification card. Your plans provide up to a $100,000 annual discounted benefit after a $10 co-pay for generic or $20 copay for brand name medications, or $40 for brand drugs when generics are available.
A. This is a pharmacy that has an agreement with the drug card company to provide you with medications at a discount as outlined in your student insurance plan. You will find that the majority of pharmacies around the country participate in your network.
A. There are usually a variety of sources to identify network pharmacies. Medco has a toll-free telephone number that you can contact to verify if your pharmacy is in their network. It is 1-800-400-0136. This toll-free phone number is also listed on your insurance brochure and insurance identification card. The best way is to access the drug company web site. Please note: In order to access the Medco site, your group, member number, and name must be in the Medco system. If you have not received your insurance identification card yet, this has not taken place.
A. Yes. Your Student Accident and Sickness Insurance Plan includes an option for home delivery of maintenance prescriptions that are medically necessary to treat chronic conditions. This service is not available to one-time only prescriptions. One-time only prescriptions should be filled at a participating pharmacy as outlined in the brochure.
Use of the home delivery service can provide a 3-month supply of medically necessary medications at a reduced co-pay amount. Covered prescriptions may be refilled until the annual policy CAP maximum benefit has been reached. Please refer to the brochure for specific maximum benefit information relevant to your plan. The medication will be delivered to your home within 14 days after you mail your order. Orders placed via the Internet, telephone, or fax may be received even faster. Standard shipping is free. Express shipping is available for an added charge.
A. The school plan does not cover routine dental treatment. There is however coverage for removing impacted teeth, abscesses, or wisdom teeth, up to a maximum of $2,500. To receive separate information on dental coverage, call Collegiate Insurance Resources (CIR) at 1-800-322-9901. Additionally, Poly students are eligible through our affiliation with NYU, to enroll in the Stu-Dent plan, which is thru NYU’s College of Dentistry. Or, you can look on CIR’s website for other options which may be available to you.
CIR is now offering a discount program through Best Benefits which provides discounts on dental, vision, prescriptions, hearing, chiropractic care, alternative medicine, and fitness programs. The cost is $29 per year. You can learn more about this plan by visiting CIR’s web site.
A. Vision insurance is a part of the Best Benefits Discount program which is available on a voluntary basis. You can go to CIR’s web site and click on the Best Benefits program link at the bottom of the page to enroll.
A. There are a number of other insurance policies available to students. They include:
Please go to CIR’s web site for more information.