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Rensselaer Student Health Plan

2016 - 2017 Rensselaer Student Health Insurance Plan

As a college student, you know the importance of having access to the health care you need – when and where you need it. Your ideal health plan? One that offers reliable, affordable health coverage you can trust. CDPHP knows. That’s why we have been the carrier of choice for local colleges for many years. And we’re pleased to have you on board!

CDPHP is dedicated to providing comprehensive, easy-to-use health coverage to Rensselaer students. As a result, when you enroll as a student at the Troy campus, you are automatically enrolled into the health plan. 

Rensselaer Polytechnic Institute requires all full-time students to maintain health insurance coverage for inpatient care, outpatient services, prescription medicine, mental health, as well as catastrophic illness and injury. To meet this requirement, all full-time students must either enroll in the RPI sponsored Health Insurance Plan (offered by CDPHP) or waive out of the RPI/CDPHP plan by providing proof of an existing insurance plan that provides for routine, ongoing care in Troy, NY. The enrollment or waiver is completed via the RPI Student Heath Center’s Online Health Portal. Health insurance waiver/enrollment must be submitted by September 15, 2016.

Your Student Plan Coverage Waiver

Note to Troy, NY campus students: CDPHP is dedicated to providing comprehensive, easy-to-use health coverage to Rensselaer students. As a result, when you enroll as a student at the Troy campus, you are automatically enrolled into the health plan.

Rensselaer Polytechnic Institute requires all full-time students to maintain health insurance providing coverage for in-patient and out-patient, prescription medicine, mental health, as well as catastrophic illness and injury. Students may satisfy these insurance requirements through private or employer sponsored plans that meet certain minimum criteria.

Before proceeding through the coverage waiver request on the RPI Student Health Center website, you should examine your plan against the above criteria. We recommend you contact your insurance company to confirm your insurance benefits in the Troy, NY area.

We offer the following questions and scenarios to assist you in assessing your plan benefits.

Questions to Ask Your Plan

Scenarios

Does your current health plan cover voluntary inpatient care for mental health and chemical dependency services in the Troy, NY area?

A student was voluntarily admitted to the Samaritan Hospital Mental Health unit. The student’s out-of-area insurance denied coverage of the bill for this admission because the status of the admission was voluntary, not emergent.

 

Does your plan provide outpatient care in the Troy, NY area, including office visits, visits to specialists, routine care, outpatient mental health care, outpatient chemical dependency treatment, physical therapy, X-rays, and lab work? (Coverage for emergency-only care does not satisfy this requirement.)

A student joined ski club and fractured his ankle. His emergency room visit was covered by his out-of-area insurance because it was considered emergent. However, his two follow-up visits to the orthopedist and physical therapist (twice a week for four weeks) were not covered by his out-of-area insurance, as they were considered routine care.

 

Does your plan provide hospitalization, medical and surgical treatment in the Troy, NY area?

A student developed gall stones. She was referred to a general surgeon. The surgeon wanted to admit the student and perform a cholecystectomy (gall bladder removal). Her out-of-area insurance denied this procedure as it was considered elective, not emergent, surgery since it had been worked up in an outpatient setting.

 

Does your plan provide prescription drug coverage in the Troy, NY area?

A student came to the Student Health Center and was diagnosed with pneumonia. He was given a prescription for an antibiotic. His insurance would not cover this prescription because the doctors at the Student Health Center are not participating providers with his insurance.

In order to waive coverage, you must attest that your health insurance plan meets the above standards. 

Health Insurance Enrollments and Waivers are completed on the Student Health Center Web Portal. This is one of four mandatory forms new students are required to complete on the portal. Enrollment and waiver forms are accepted until September 15, 2016. For more details, see the RPI Student Health Center new student website.

Voluntary Enrollment into the Rensselaer Student Health Plan

Note to Hartford, CT campus students:
All registered students at the Hartford, CT campus are eligible to enroll in the Rensselaer student health plan on a voluntary basis. Enrollment must be submitted by September 15, 2016.

Covered Hartford campus students may also enroll their lawful spouse, same sex domestic partner, and/or dependent children under age 26. Dependents must enroll for the same coverage term for which the covered student enrolls.

  • An eligible Hartford campus student may enroll his or herself plus dependents for coverage by completing the new member enrollment form.

Note to select Troy, NY campus students:
Select students at the Troy, NY campus are eligible to enroll on a voluntary basis. Enrollment must be submitted by September 15, 2016.

Part-time students (matriculated for at least 6 credits), and graduate students physically attending classes at RPI who are registered in a non-credit bearing status while completing requirements for their degree (e.g., thesis or dissertation) may enroll on a voluntary basis.

Graduate students who are primarily engaged in pursuing research-based degrees (Ph.D. and certain M.S. degrees), have completed their coursework, have passed their qualifying examinations (applies only to Ph.D. students), are physically located off campus, and are not eligible to use institutional resources may enroll on a voluntary basis.

  • An eligible Troy campus student may enroll his or herself plus dependents for coverage by completing the new member enrollment form.

Am I eligible?

An eligible student must actively attend classes for at least the first 31 days of the period for which he or she is enrolled. Any student withdrawing from school during the first 31 days (except in the case of sickness or injury) will not be covered under the policy and will receive a full refund of the premium, less any claims made. Students who withdraw after 31 days will remain covered, and no refund will be made.

Home study, correspondence, internet, and television courses do not fulfill the eligibility requirements that the student actively attend classes.

Eligibility requirements must be met each time premium is paid in order to continue coverage.

Coverage becomes effective on August 1, 2016.

Using your CDPHP Student Health Insurance Plan

We’ve made it easy to use your CDPHP student health plan. To help you out, we’ve compiled some of the most commonly asked questions by students:

When does my coverage start?
Coverage becomes effective on August 15, 2016 for the 2016-2017 school year.

I need to see a doctor. How do I get started?
If you’re ill or have been hurt, your first course of action is to go to the RPI Student Health Center, located on the 3000 level of Academy Hall. The Student Health Center is a comprehensive, nationally accredited physician-directed program providing outpatient ambulatory health care. Services include medical, gynecology, and allergy clinics, counseling services, and health education and wellness programs. Specialty consultation and referrals are available.

I don’t have my CDPHP ID card yet. Can I still get care?
Yes! If you have not yet received your CDPHP ID card, you can retrieve your temporary ID card here.

What happens when on school breaks, when I can’t easily access the Gallagher Student Health Center?
CDPHP has more than 725,000 providers in our national network, so you’re covered nationwide, even when you’re not in the area. To find a full listing of providers and practices in the area you’re in, visit Find-A-Doc online, or download our My CDPHP Mobile app. Under "Select Plan Type," choose National EPO/PPO/HDEPO/HDPPO to find the providers and practices in our network.

Where can I get more details on my health plan?
Download your benefit plan summary for additional details on your health plan.

What services are available to me away from school and while traveling abroad?
You have the protection of Assist America’s global emergency medical services whenever you are 100 miles (150 kilometers) or more away from home or campus, or in another country. A single phone call is all it takes to put Assist America in motion on your behalf, offering services that include: medical consultation, evaluation, and referral, hospital admission assistance, prescription assistance, legal and interpreter referrals, emergency trauma counseling, critical care monitoring, repatriation of remains, and more. For additional information, visit the Assist America website.

I take medications regularly. Is there a way I can access these medications without leaving campus each time?  
You may want to sign up for the Prescription Mail Service from CDPHP and have your prescriptions delivered directly to you! Get the prescription mail order form here.

I recently paid out-of-pocket for a service that was covered. How do I submit a claim?
Simply download and complete a claim form. You can mail the completed documentation to the address provided on the form.

What about dental coverage?
If you are under the age of 19, CDPHP is teaming up with Delta Dental of New York, Inc. (Delta Dental) to provide you with essential pediatric dental coverage. Delta Dental PPO Plan 70 for Children is a Delta Dental PPO plan that provides benefits through a wide network of dentists across the nation. Delta Dental PPO pays a percentage of the contract allowance for covered services; you are responsible for the remaining percentage – commonly called “coinsurance.” The contract allowance is based on the contracted PPO fee in your area. For Delta Dental coverage details, view this document.

To find a Delta Dental provider near you, search the Delta Dental dentist directory.

Discover the CDPHP Difference

CDPHP is more than an insurance plan; it’s a health plan. That’s why we offer our student members access to a variety of value-added extras.

Life Points®
Tuition. Meal plans. Books. College expenses can seem never-ending. So wouldn’t it be nice to get rewarded once in a while? With Life Points, you can earn points worth up to $365 in gift cards each year for simple healthy activities, like getting a flu shot or annual exam.

CDPHP® InMotionSM
Track your fitness activities and achieve your health and wellness goals with this powerful web tool and mobile app.

CafeWellTM
Get social! CafeWell is a social networking site that provides a safe, secure environment for participating in discussions, joining groups, and getting expert health and wellness information.

20% CVS Discount
Get extra savings on commonly used, CVS-brand health products, like ibuprofen, decongestants, contact lens supplies, and more when you use your ExtraCare® Health card that will be mailed to you.

24-hour crisis hotline
College can be stressful. If you have behavioral health concerns, call our 24-hour crisis hotline at 1-888-320-9584, to speak with a live, licensed mental health professional who can connect you to the right resources.

Rx for Less
With Rx for Less, you can get deep discounts on specified generic drugs when purchased at any CVS, Walmart, or Price Chopper.