Emory/Aetna Student Health Insurance Plan
Emory University requires that all degree-seeking and all international students either have health insurance or purchase the University-sponsored plan. In order to meet this requirement, you must either choose to enroll in the Emory Student Health Insurance Plan or successfully complete the waiver process on-line. If you choose to enroll in the Emory student plan, you will be charged via Student Financial Services. For more information about the Emory health insurance requirement, click on Student Insurance Requirement Information.
The Emory University Student Health Insurance Plan will once again be offered by Aetna Student Health of Boston, MA. Aetna is one of the largest health insurance companies in the nation and is a name that students and their families recognize and can trust. The 2009-10 Emory/Aetna plan features the following:
- Three-tiers of coverage, including an Emory Healthcare Core (100% coverage with no annual deductible after co-payment of $25 for specialist care and $50 for Emergency Room; co-payments are waived at Emory Student Health and Counseling Services), Preferred Care at Aetna PPO providers and Out-of-Network care.
- An Aetna PPO national preferred provider network of over 610,000 providers and over 3,700 hospitals.
- Students do not have to personally complete and submit claim forms for care received. The provider submits bills directly to Aetna.
- There are no pre-existing condition exclusions under the Emory/Aetna student plan and no waiting period for coverage to begin.
- The plan covers 100% of covered medical expenses at Emory Student Health Services, including the on-site EUSHS Dermatology and Gynecology/ Colposcopy clinics (after specialist $25 co-payment), immunizations, TB skin tests and Travel Clinic.
- The plan covers 100% of covered medical expenses at all other Emory Healthcare facilities (the Emory Core), with no annual deductible, after co-payment of $25 for specialist care and $50 for Emergency Room (waived if the patient is admitted to the hospital).
- The plan covers 80% of negotiated charges outside Emory University Student Health Services (EUSHS) and within the Aetna network. There is a $200 total annual deductible in-network and a $25 co-pay for physician visits outside EUSHS. Outside the Aetna network, coverage is 60% after co-payments with a $400 annual deductible.
- All non-emergency specialist care must first have a written referral from the Student Health Service, unless you are more than 50 miles away from Emory or the EUSHS is closed.
- The plan offers outpatient prescription pharmacy coverage up to $1,500 (after co-pays) and $500 of coverage at EUSHS (which includes oral contraceptives).
- Mental health outpatient and inpatient coverage has no cap on coverage, including treatment for alcohol and substance abuse.
- The plan offers $500 of coverage for eye exams, glasses or contact lenses.
- Coverage is also available for student's spouse, qualified domestic partner and children.
- For 2009-10, the annual student premium is $2,158.
Please be aware the Emory/Aetna Student Health Insurance Plan meets, and in most cases significantly exceeds, the Emory student required insurance coverage minimums. To view the 2009-2010 Emory/Aetna Student Health Insurance Plan Brochure, click here.
Also, be aware that some private insurance policies will not cover services provided by the EUSHS, nor will they cover dependents beyond certain age limitations. You are strongly encouraged to review your private health insurance coverage and become aware of special requirements and provisions of your plan, such as pre-admission certification, medical benefits and prescription coverage. Once again, it is important (and required) that Emory students have insurance coverage that will provide them with access to healthcare in Atlanta, and not just in your home community or state.
If you have questions about insurance, EUSHS fees and billing practices or the online student insurance waiver process, please contact our Student Health Services Insurance Office at mandatoryinsurance@listserv.cc.emory.edu, or by phone at 404-727-7560.
Do you know the Eight Big Misconceptions about the Emory University Student Health Insurance Plan? Click on this link to view this important information.
Revised 6/19/2009
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