Insurance > Health Insurance > Health Insurance Information
Health Insurance 2006-2007 Information
As you know, health insurance is required for all medical students at Jefferson Medical College. We will again be offering health insurance through the Chickering Group, an Aetna company.
Rates 2006-2007:
| Single |
|
$2,906.00 |
| Plus one dependent |
|
$7,431.00 |
| Plus two or more dependents |
|
$7,576.00 |
** The annual premium will be divided among the two semesters.
You will be charged $1,453.00 each semester, rather than charged the entire fee up front. Hopefully, this will help you as you budget for the year.
Some reminders about the plan:
- The Chickering Group is an Aetna company, so is accepted by a large network of providers (any provider who accepts Aetna). When you are making your appointment, please say that you have Aetna insurance, with which schedulers are more familiar.
- The plan is a PPO, which means no referrals are needed, and you can use your insurance when you are home during breaks, at a distant affiliate, or on an audition elective.
- The mental health network in Philadelphia with this insurance is quite broad, and includes the department of psychiatry at Jefferson Medical College.
- Depending on who you see for care, you may be responsible for additional out-of-pocket expenses. Please review the outline of benefits, available on pulse. Also, refer to the plan brochure for more specific details, available at www.chickering.com.
Online enrollment/waive process:
- This year, we are switching to an online insurance enrollment/waive process.
- You MUST complete the online process whether you are enrolling in the Chickering plan or requesting to waive.
- The enrollment/waive site will be available July 2006, and can be accessed through www.chickering.com.
- We will email you when the site is ready for enrollment.
- If you do not complete the online process, you will be automatically enrolled in and charged for the plan.
Reminders about the waive process:
- You may continue to request to waive the Chickering insurance. Each request is reviewed separately for approval.
- In order for an alternative insurance to be considered as acceptable, it must have the following benefits:
- Outpatient office visits in the Philadelphia area.
- Prescription drug coverage
- Ancillary service coverage (x-ray, lab, etc)
- Outpatient mental health coverage in the Philadelphia area
Ways to keep your out-of-pocket expenses to a minimum:
- See providers that are in network rather than out-of-network
- Select a primary care physician, and see them before seeing a specialist, if possible. This will often keep down costs and will certainly affect costs for next year.
- Use the mail order benefit for prescriptions to receive a 3 month supply for 2 (rather than 3) co-pays. Visit www.chickering.com for instructions.
- Make sure your pharmacy is dispensing the generic equivalent of your prescription, if available.
For questions regarding:
- Enrollment process/general questions:
- Approval of waiver requests:
- Specific benefit issues:
- Chickering customer service: 1-877-373-2714
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