ARKANSAS STATE UNIVERSITY INTERNATIONAL STUDENT SERVICES OFFICE INTERNATIONAL HEALTH INSURANCE MANUAL

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1 ARKANSAS STATE UNIVERSITY INTERNATIONAL STUDENT SERVICES OFFICE INTERNATIONAL HEALTH INSURANCE MANUAL

2 2 How do first time users login to the insurance account?...page 3 How to update your current address?..page 7 How to print your insurance ID card?..page 10 How to find a doctor?.page 12 Explanation of benefits (EOB).Page 16 People to contact if any questions...page 20

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4 4 1. Search 2. Type international health insurance in the search box. 3. Click on the very first link.

5 5 4. Click on the link under how do I get my insurance card and enter my address. 5. Click on create new account.

6 6 6. Fill the boxes with the required information and then click on Create Account. Your insurance account is now created. ASTATE (Ex: Click here!

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8 Now that you have successfully created your insurance account, it is very important to

Follow the first three steps of how do first time users login to the insurance account

Type international health insurance in the search box. 3.

8 8 Now that you have successfully created your insurance account, it is very important to update your current address. Follow the first three steps of how do first time users login to the insurance account mentioned below and demonstrated on page Search 2. Type international health insurance in the search box. 3. Click on the very first link named international heath insurance. 4. Under Steps to Enter You Address, click the link and login to your insurance account. **This is the first step under Steps to Enter Your Address.

9 9 5. Click Student Options tab. 6. Click Update Personal Information. 7. Enter the required information and your address is now updated. Note: University's address needs to remain the primary e- address to authenticate a student s identity.

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11 Follow the first four steps of how do first time users login to the insurance account mentioned below and demonstrated on page 4 and 5. 1. Search www.

Click on the link under how do I get my insurance card and enter my address. 5. Login to your insurance account.

11 11 Follow the first four steps of how do first time users login to the insurance account mentioned below and demonstrated on page 4 and Search 2. Type international health insurance in the search box. 3. Click on the very first link named international heath insurance. 4. Click on the link under how do I get my insurance card and enter my address. 5. Login to your insurance account. Note: The first page you see as you login is not your insurance ID card. 6. Under benefits click on Print ID Card(s). 7. Click on Print ID Card. Note: Make sure to keep your insurance ID Card with you at all times.

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13 1. Login to your insurance account at https://www.studentinsurance.com/ Schools/Login/?Id=490 2.

13 13 1. Login to your insurance account at Schools/Login/?Id= Under benefits, click Cigna PPO. Click here! 3. Under Not a Cigna Customer Yet, click Plans through your employer or school. Click here!

14 14 4 A. Under search location, you can either type the name of the city or zip code and under the search tab, write the type of doctor you need to see (Ex: Primary Care Physician). Location Type of doctor 4 B. You can also scroll down at the bottom of the page under popular searches and click the type of doctor you need to see.

15 15 5. After searching the type of doctor you need to see, you can filter the distance, specialty, quality & recognition, and years in practice. This will help you narrow your search 6. Call a doctor s office of your choice to find out if they are accepting new patients.

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17 17 EOB stands for Explanation Of Benefits. This document summarizes the services you received while at the doctor s office. The EOB provides details of how your recent claims were processed. It includes any co-pay, deductible, coinsurance % or non-covered amounts that you may owe to the provider(s) of service. The most important thing for you to remember is an EOB is NOT a BILL. It is letting you know which healthcare provider has filed a claim on your behalf, what it is for, whether it was approved, and for how much. Use this EOB to verify the accuracy and validity of any bill you may receive from the provider(s). 1. Is the insurance company needing anything from me? (You will find this the REMARKS tab at the end of EOB) 2. Does the information on this page match the doctors bill? (You will tally the services charged to you by the doctor to the services mentioned on the EOB (Explanation of Benefits) under the SERVICES tab) 3. How do I know who to pay? (You will pay to the facility or the physician mentioned under PROVIDER tab on your EOB)

18 18 1. Login to your heath insurance account. 2. Under claims, click on View claims/eobs. 3. Click on View EOB and you can now view your EOB.

19 19 The amount paid by any secondary insurance. Charges for services not covered by your policy Network discount amount if applicable The amount the provider charges for the service Code for the medical procedures performed Displays the reason for any discounts or ineligible amounts Amount covered after any discounts and ineligible amounts Dollar amount you are required to pay The dollar amount which must be paid by insured before insurance pays. The charges after any discount, ineligible, COB, co -pay, and deductible amounts. The amount the patient is required to pay the provider The percentage of the remaining balance that ha been paid by the plan. The facility you are supposed to pay the amount under the patient s responsibility The amount that has been paid by the plan.

20 Contact at the International Student Services: Kimberly Winters International Student Analyst Kwinters@astate.

20 20 Contact at the International Student Services: Kimberly Winters International Student Analyst Contact at the Insurance Company: Customer Service Consolidated Health Plans 2077 Roosevelt Avenue Springfield, MA

Research and Resolve UB-04 Claim Denials. HP Provider Relations/October 2014

Research and Resolve UB-04 Claim Denials HP Provider Relations/October 2014 Agenda Claim inquiry on Web interchange By member number and date of service Understand claim status information, disposition,