All enrolled students at NCNM are required to carry comprehensive medical health insurance coverage. For the 2013-2014 school year, NCNM has brokered a student health insurance option with Aetna Student Health. The annual cost is $2,262, payable in three payments – fall, winter and spring quarters – and coverage lasts from September 16, 2013 through September 15, 2014.
All students are auto–enrolled into the Aetna plan. For a complete summary of benefits please consult the 2013–14 Full Plan Brochure. Students carrying their own comprehensive health insurance who wish to waive the student health insurance have until the end of week two of the fall term. Students who matriculate in winter term have until the end of week two to waive. Spouses, domestic partners, and dependents can be added to the student health insurance for an additional cost.
For plan specifics, including in and out of network coverage, pre–deductible benefits, mental health coverage and preventative services, please visit www.aetnastudenthealth.com school name: NCNM.
Using Your Student Health Insurance
The Student Health Insurance includes several pre–deductible benefits, which means they can be used right away, before the $250 deductible has been met. These include:
- MD, ND and acupuncture office visits, outside the NCNM clinic: If in–network, “preferred provider,” these are covered at 100% after a $15 co–pay. Out–of–network, “non-preferred provider” visits are covered at 100% of “recognized charge” after a $15 co–pay, and the covered person is responsible for the remaining balance.
- Mental health and substance abuse care: Under what’s called “mental health parity”, mental health and substance abuse expenses are payable as any other illness. This means that mental health/substance abuse related outpatient office visits are covered pre–deductible at the same rates as the office visits above. Inpatient visits are also covered, but subject to the deductible.
- Preventive Services: Preventive care services are covered at the in/out-of-network levels. Preventive services include, but are not limited to:
- Routine physical exam
- “Medically necessary” immunizations and TB testing
- Pap smears, mammograms and breast exams
- Family planning
- Chlamydia screening test
- Routine screening for sexually transmitted disease
- Routine colorectal and prostate cancer screening
Waiving Student Health Insurance
Students wishing to waive the student health insurance must do so online. All waiver requests must be submitted no later than the Friday of the second week of fall term. After this time, students are unable to waive out of the student health insurance for the academic year. Once a student waives the student health insurance, the opportunity to enroll at a later time is only permissible due to an unanticipated drop in personal coverage.
More information is available through the Office of Student Life or by visiting www.aetnastudenthealth.com – school name: NCNM