Major Medical Q and A
I have signed up for the insurance but have not received my
ID card. What should I do?
ID cards are mailed from the Aetna
Insurance Company at the beginning of each policy year in August. If you do not
receive a card please feel free to call Aetna at 866-378-6909 to verify your
address and request a new card.
They will also be able to provide you with your policy number so
you can go
online and print out a temporary card. If you are a new enrollee
in the spring semester you will receive your card in February. If you enroll as
a pro-rate you will receive a card shortly after your coverage beginning date.
Will I have a primary doctor if I purchase the
Student Health Insurance through Northern Arizona University?
Yes. Northern Arizona University
Medical Services will be the primary care physician for students with the
Student Health Insurance.
There is a $10 co-pay for visits, labs, and x-rays at medical Services.
If you live outside a 25-mile radius of Flagstaff, you may find a
primary care physician in the area in which you reside by visiting Aetna’s
website. Click "Students," "Find Your School," and
enter 697444 as your policy number. You may also use the Arizona State
University and University of Arizona student health centers.
What happens if I need care after hours?
If Medical Services
is closed, there is an answering service to reach the on-call provider. The
phone number to reach the on-call provider is 928-773-7671. The answering
service is only for students who have a Student Health Insurance policy.
You can also go to Concentra Walk-In Clinic in
Flagstaff (928-773-9695), or Troyer Urgent Care in Flagstaff (928-779-3844).
If it is an emergency, we suggest going to the Flagstaff Medical Center emergency
room. An emergency is defined by the Student Health Insurance as "a
medical condition that manifests itself by symptoms of sufficient severity that
in the absence of immediate medical attention could reasonably be expected to
result in any of the following:
jeopardy to the patient's health
impairment to bodily functions
dysfunction of any bodily organ or part”
What happens if I am not in Flagstaff and I
need health care?
For non-emergency situations
outside of Flagstaff or out-of-state you may find a primary care physician,
walk-in clinic, or emergency room in the area in which you are
visiting by going to Aetna’s website, then clicking "Find Your School," and
entering 697444 as your policy number.
Is the emergency room covered in the Student
Health Insurance plan?
Yes. There is $200 co-pay
for visits to the emergency room if you are not admitted. If you are admitted
overnight then the emergency room co-pay is waived. If admitted to the
hospital, there is a $350 deductible that must be met if you have not met your
deductible for the year. Once the deductible is met, the bills will be covered
at 80 percent. You will be responsible for 20 percent up to $1,500.
What happens if there is a service needed that
is not provided by Northern Arizona University Medical Services?
You may need to see a specialist
outside of Medical Services. All care provided by an outside doctor will
need a referral from one of our providers (if receiving care in Flagstaff). There is a $35 co-pay for specialty
office visits. Without a referral to an outside doctor, you will have to pay
out-of-pocket expenses at a higher level instead of the $35 co-pay.
What are the requirements for getting a
You are required to obtain a
referral for everything except:
- if you are
receiving services outside of a 25-mile radius of Flagstaff
- emergency room
- maternity care
- annual eye
- injury to sound
or natural teeth
My parents currently have me on their
insurance but as of a certain date I am no longer eligible; can I buy the
Student Health Insurance mid-semester?
Yes. If you have a qualifying
life event and are being dropped off of another insurance carrier you may
pro-rate from the day your coverage is terminated. You can call our insurance
office at 928-523-6343 for rates throughout the semester. You have 30 days from
the day coverage is terminated to pro-rate onto the Student Health Insurance.
How do I enroll my eligible dependents/domestic
partner in the Student Health Insurance?
You can enroll your eligible
dependents through the Aetna website by clicking "Students,"
then "Find Your School," and entering 697444 as your policy number.
If you are enrolling your family you must fill out the application located on
the Aetna website and mail it to the address listed on the application. The
enrollment deadline is 14 days after the first day of class. Newborn or adopted
children may be pro-rated on to the policy by contacting Aetna at 866-378-6909
within 31 days of birth/adoption.
If I include my eligible dependents/domestic
partner in this insurance policy can they utilize Northern Arizona University
No. Medical Services is
for student use only. Your spouse and children must choose a primary physician
who is contracted with the insurance carrier for health services. You can find
a complete list of doctors in your area by visiting Aetna’s website, clicking "Students," then "Find Your
School," and entering 697444 as your policy number.
I am going to be studying in a foreign country;
will Student Health Insurance cover me while I am there?
If you must see a doctor while
studying abroad, the fees will have to be paid out-of-pocket at the time of
service. The Student Health Insurance will reimburse you when you get back to
the states provided you have the correct documentation from your doctor visit.
Doctor visits in a foreign country will be treated as an in-network benefit.
Repatriation and Medical Evacuation has an unlimited benefit as long as you go through
the travel assistance program through the insurance company before incurring
What is an annual deductible?
An annual deductible is the
amount a covered person must pay for health services in a contract year before
the company will begin paying benefits in that contract year. There is an
annual deductible of $350 for network benefits and an annual deductible of $1,000
for non-network benefits. Co-pays are in addition to the annual deductible.
The contracted year is August 16 to August 15.
Fall dates are from August 16 to January 3.
Spring dates are from January 4 to August 15.
What do network and
non-network benefits mean?
Network benefits are defined as:
health services from your primary care provider (Northern Arizona
University Medical Services or assigned provider)
- when a referral
is written from your primary care provider to see a specialist who is
contracted with the Student Health Insurance
Non-network benefits are defined as:
health services from a provider who is not contracted with the Student
services outside of your primary care provider without a referral