The following chart presents a brief summary of the Aetna Student Health plan benefits. The coverage year is August 15 through August 14. Aetna Student Health does not cover all your health care expenses. The Plan excludes coverage for certain services and contains limitations on the amounts it will pay. Read the Johns Hopkins University Student Health Insurance Plan Brochure carefully for details. | Aggregate Maximum | $1,000,000. | | Annual Deductible | $250 (reduced to $75 per condition with referral from the Georgetown University Student Health Center or the Johns Hopkins Student Assistance Program). | | Annual Out-of-Pocket Limit | $5,250 Preferred / $7,750 Non-Preferred. | | Preferred Care (in-network)* | Non-Preferred Care (out-of-network)* | | Physician's Office Visit Expenses | Plan pays 80% | Plan pays 64% | | Inpatient Hospitalization Expenses | Plan pays 80% | Plan pays 64% | | Emergency Room Expenses | Plan pays 80% | Plan pays 80% | | X-ray and Lab | Play pays 80% | Plan pays 64% | | Prescription Drug Expenses | Plan pays 100% after $15 copay at in-network pharmacies or $25 at out-of-network pharmacies. | | Prescription Drug Mail Order Program | Covered Medical Expenses for a 90-day supply of drugs ordered through the Aetna Rx Home Delivery Program are covered at 100% after a $30 copay for generic prescription drugs or a $50 copay for brand name prescription drugs. | | Outpatient Mental Health Expenses | Plan pays 80% | Plan pays 64% | | Inpatient Mental Health Expenses | Plan pays 80% | Plan pays 64% |
*Using preferred providers saves you money because they have agreed to accept negotiated fees for services that are often lower than what non-preferred providers charge. You must pay the difference between what a non-preferred provider charges and the "reasonable charge" Aetna will allow for reimbursement under the plan benefits. Additional Benefits INCLUDE: - A national network of hospitals and physicians to reduce out-of-pocket costs to students traveling outside the Washington area. To locate the nearest hospital or health care provider who is part of the Preferred Provider Network, visit the Aetna Student Health DocFind or call 800.558.8845.
- On Call International services, such as Emergency Travel Assistance and Medical Evacuation, for travel anywhere in the world. Medical expenses are reimbursed at the out-of-network rate when you arrange care through On Call International.
- Discount Programs for Vision, Fitness, Weight Management, and Natural Products and Services such as vitamins, massage therapists and acupuncturists.
- Free Health and Wellness Resources including the Beginning Right Maternity Program, Quit Tobacco Cessation Program, Informed Health Line and Aetna Health Connections Disease Management Program.
- Discounts on eDiets, Zagat Online and Mayo Clinic Bookstore.com.
- For more information, visit http://www.aetnastudenthealth.com and look for JHU - SAIS in the Find Your School box at the top.
Plan Benefits DO NOT INCLUDE: Visit the Exclusions section of the Plan Brochure for details about expenses that are not covered under Aetna Student Health, such as routine dental care or certain immunizations. Also review the Pre-existing Conditions/Continuously Insured Provisions in the plan brochure. Aetna Navigator Aetna Student Health insurance members have access to Aetna Navigator, a secure member Web site with personalized benefits and health information. Students can complete a variety of self-service transactions online, such as: - View your most recent claims
- Print a temporary member ID card
- Use the cost-of-care tool
Visit http://www.aetnastudenthealth.com/schools/jhusi to register.
Aetna Student Health does not cover routine dental care. For those who would like dental coverage, one option is the Aetna Dental PPO Plan, with which you can choose to visit a participating or non-participating dentist for care. With the Aetna Advantage Dental Plan, you select a primary care dentist and have most preventive and restorative services covered by a copayment or reduced fee for each visit. You must enroll online via www.aetnastudenthealth.com/schools/jhusi no later than September 30. Coverage begins September 1 and ends August 31. A third option is a discount program, not a insurance plan. With Vital Savings on Dental, you will save an average of 15 to 50% on a wide array of dental services with one annual fee of $25. For details or to enroll online, visit www.aetnastudenthealth.com/schools/jhusi. Note that the JHU ID requested by Aetna Student Health is your 6-digit ISIS ID. | 
