Student Health Plans
EWU STUDENT
MEDICAL INSURANCE COMPARISON
2008-2009
This is a very brief comparison of the two very different optional plans available to you.
| |
AETNA LIFE
(Wells Fargo) |
ASURIS NW
CLARITY 80 |
| Coverage Acceptance |
Guaranteed |
Medically Underwritten |
| Policy Period |
9/17/07 to 9/17/08 |
Continuous with Payment |
| Eligibility |
6 credit hours |
No requirements |
| MEDICAL |
| Maximum Benefit/Period |
$75,000 per condition |
$2,000,000 per lifetime |
| Deductible/Period |
$150 per benefit year |
$500 per calendar year |
| Additional Co-Pays |
| Emergency Room |
$100 |
$100-waived if admitted |
| Doctor Visits |
$20 |
$20 |
| Prescription Maximum |
$1,000 per condition |
$3,000 per calendar year |
| Co-Pays-Generic |
$10 |
$10 |
| Brand Name |
$10 |
30%-Your cost share |
| Non-Formulary |
$10 |
50% |
| Coinsurance-Company Pays |
| In-Network |
80% |
80% |
| Out of Network |
50% |
50% |
| Maximum Out of Pocket |
$3,150 per benefit year |
$3,000 per calendar year |
| Hospital In Patient |
80% in Network |
80% in Network |
| Professional Services |
80% in Network |
80% in Network |
| Preventive Care |
No Benefits |
$400 Maximum |
| Vision |
No Benefits |
$20 Co-Pay/$400 Hardware |
| Maternity |
Same as other conditions |
Same as other conditions |
| Routine Dental Care |
No Benefits |
No Benefits |
| Global Medical Emergency Assistance |
Included |
Not included |
| PROVIDERS/PHYSICIANS |
Visit Aetna Life for provider listing |
Visit Asuris website for provider listing |
| ACCIDENTAL DEATH |
$5,000 |
Not covered |
| PREMIUMS: TBA by August 1, 2008 |
This is not a coverage certificate. For a full description of coverage term, benefits, exclusions and limitations, download a copy of the Asuris policy or the Aetna Life brochure.
If you have questions, please call Fidelity at 509-747-3121 or 1-800-223-7954. For assistance on the Aetna Life medical program, please ask for Alan. For assistance on the Asuris medical program, please ask for Maureen.
Apply - To apply for coverage please click on the appropriate logo below.
Definitions
| Deductible |
A deductible is an amount payable by the subscriber for health care before certain contractual benefits are available. Some benefits may be payable without a deductible. |
| Coinsurance |
Student percentage of cost share after the deductible has been met |
| Maximum Out-of-Pocket |
This is the maximum amount a student will pay per contract before the policy will pay 100% thereafter for covered services received. Copays do not apply |
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