Amerigo Education
STUDENT HEALTH INSURANCE PLAN
FREQUENTLY ASKED QUESTIONS
Am I required to have medical insurance?
Yes. All international students are required to maintain adequate medical insurance. Enrollment is mandatory for all International Students with a current passport and student Visa (J-1 or F-1) who are temporarily located outside their home country and are actively engaged in education or educational research activities.
What is a PPO?
A PPO is a Preferred Provider Organization. It is a type of health insurance plan that allows you to see any doctor or specialist of your choice. It does not require that you have a primary care physician. The Amerigo Education Cigna Global Student Health Insurance Plan (SHIP) is a PPO plan.
What does in-network and out-of-network mean?
An in-network provider is one contracted with Cigna to provide services to plan members for specific pre-negotiated rates. An out-of-network provider is one not contracted with Cigna.
Can I go to any health care provider?
Yes. You are encouraged to choose a provider in the Cigna Network. These providers apply network discounts to their services therefore reducing any out-of-pocket costs to you.
What if I go to a provider who does not participate with Cigna?
If you see provider who is not part of the Cigna network, you will have to pay more out of your own pocket and may be responsible for any amount above the usual and customary fee for providers. It is to your advantage to see an in-network provider to maximize your benefits.
Where can I get a directory or list of participating providers?
You have access to the Cigna provider network. To find a list of participating providers in the Cigna network, please visit, www.universityhealthplans.com/amerigo, and select “Provider Search” from the navigation menu on the left-hand side of the page.
When scheduling an appointment, should I tell the provider's office that I have health insurance?
Yes. If you are scheduling an appointment with a provider, you should give them the information from your insurance ID card and then present it to the office at the time of your appointment.
Is it my responsibility to file a medical claim?
If you visit an in-network Cigna provider, the provider must file a medical claim on your behalf. If the provider is out-of-network and does not submit a claim for you, and you pay out of pocket at the time of service, you will need to submit a claim form for reimbursement.
Where can I find a claim form?
You can obtain a copy of the claim form by visiting, www.universityhealthplans.com/amerigo
How can I check the status of a claim I submitted?
You can check the status of a claim that you or the provider has submitted by visiting the insurance company’s website. Please refer to the below for contact information.
Cigna Global
Customer Service: 800-441-2668
Do I get an insurance ID card?
Yes. Once you are enrolled in the SHIP, you can create an account with Cigna to access your digital ID card.
What if I lose my ID card?
You have access to your ID card 24/7 through your Cigna portal, or by visiting www.universityhealthplans.com/amerigo and clicking on “Insurance ID Card”
Does the SHIP cover immunizations?
Yes, immunizations are covered at 100% and are not subject to the preventive care $250 maximum benefit. There is no difference in the coverage for immunizations based on the place the student receives the immunization (i.e., primary care physician office or CVS, Walgreens, Minute Clinic, etc.).
Does the SHIP cover prescription drugs?
Yes. The SHIP provides prescription coverage. Please refer to the pharmacy benefits in your plan’s benefit document.
Which pharmacy can I use to fill my prescription?
You can go to any pharmacy that is part of the Cigna network. If you need to get a provider listing or inquire about a participating pharmacy, please visit, www.universityhealthplans.com/amerigo and select “Provider Search” located in the left navigation menu.
Does my health insurance plan cover treatment for substance abuse and mental illness?
Yes, the SHIP provides coverage for substance abuse and mental health treatment. Generally, the extent of coverage depends on whether the treatment is provided on an inpatient or outpatient basis. Please refer to your plan’s benefit document for specific details.
Does my health insurance plan cover pregnancy?
No. The SHIP provides does not provide coverage for pregnancy related services, including but not limited to visits to confirm pregnancy, prenatal visits, postnatal visits, and delivery charges.
Are pre-existing conditions covered?
Yes. There are no limitations on pre-existing conditions.
Who should I contact if I have questions about my insurance benefits?
Please refer to all benefits in your plan’s benefit document. If you still need assistance, please refer to the below for contact information.
Cigna Global
Customer Service: 800-441-2668
Who should I contact if I have questions about my enrollment?
Amerigo Education has partnered with University Health Plans to administer the SHIP and help with enrollment and/or benefit-related questions. If you need assistance, please refer to the below for contact information.
University Health Plans
Customer Service: 800-441-2668 or, info@univhealthplans.com
