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FAQ: Student Health Insurance Plan

General

Who do I contact if I have a general question not listed here?

For more information, please contact: healthinsurance@cca.edu

Who do I contact if I have a more specific question about my Aetna benefits?

  • You may call Aetna Student Support at 1-877-480-4161
  • Dial "0" to skip to speak with an Aetna rep
  • Call before 3:00pm (PST)

What terms should I know?

  • Deductible: A deductible is the amount you pay for covered health care services before your insurance plan starts to pay.
  • Co-pay: A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.
  • In network: In network refers to providers or health care facilities that are part of a health plan's network of providers with which it has negotiated a discount.
  • Out-of-network: An out-of-network provider is one which has not contracted with your insurance company for reimbursement at a negotiated rate. The cost to use these providers is much higher than using an in network provider/facility.
  • Coinsurance: The percentage of costs of a covered health care service you pay (10%, for example) after you've paid your deductible.

What if I need to see a doctor, but have yet to receive my medical card?

To obtain your Insurance ID Card, please visit aetnastudenthealth.com/cca during the insurance enrollment period. Select “print your ID card” and enter your CCA student ID number and date of birth.

Aetna ID cards will be available to print beginning August 1st. Then register online with One Medical to activate your membership and you will be able to choose a doctor through any of their many locations. Email healthinsurance@cca.edu for the school code!

How do I enroll in the Aetna PPO insurance and One Medical membership?

All degree-seeking students who are registered at 12 or more units per semester (9 units per term for all graduate students) are automatically enrolled in the Aetna Student Health Insurance Plan and One Medical membership.

(Note: If you do not submit an online waiver application by the established deadline, insurance premiums are automatically charged to the student's account for the term.)

How do I choose an Aetna PPO physician?

Visit the Aetna Student Health website at aetnastudenthealth.com/cca during the insurance enrollment period, where you can search for a preferred provider by name, location, or facility.

What if I lose my current health coverage?

Students who experience a qualifying event such as losing current health coverage, marriage, or having a baby, please contact the Office of the Dean of Students at healthinsurance@cca.edu immediately for assistance. Students may be eligible for special enrollment periods, allowing to enroll in the CCA health insurance plan outside the open enrollment period for health coverage.

What if I’m a minor and need medical care?

California College of the Arts cannot act in the place of the parent or guardian. In the event of a personal emergency, accident, illness or incarceration, the State of California will require the signature of a guardian before hospitalization or legal counsel can be obtained.

If you are under the age of 18, you are required to have your parent submit a signed form informing California College of the Arts who will be your appointed guardian.

You can find this form here.

What about travel insurance?

Travel insurance is like a typical insurance plan that provides protection for monetary losses that can occur while traveling. Students should have health insurance coverage and travel insurance while traveling abroad.

What about travel assistance?

Travel assistance provides support services in case of an emergency while traveling. On Call International provides emergency-only coverage for students who study abroad. This coverage is included for students in the Aetna PPO plan.

  • 1-866-525-1956 (Within the United States)
  • 00-1-603-328-1956 (Outside the United States)

The Center is staffed 24 hours a day, 365 days a year with trained multilingual coordinators and doctors to advise and assist you quickly and professionally in an emergency.

How do I locate an Aetna Preferred Provider or Facility?

Visit the Aetna Student Health website at aetnastudenthealth.com/cca during the enrollment period where you can search by name, specialty and location. We recommend calling ahead of time to make sure they accept Aetna PPO insurance.

Why should I call the Aetna 24-Hour/Seven-Days-a-Week Advice Nurse Line?

The advice nurse line offers registered nurses (RNs) who offer advice regarding symptoms, including what a member can do to reduce or alleviate such symptoms.

Advice nurses are available 24 hours a day, seven days a week. They can often resolve a minor concern over the phone, which saves a trip to the doctor.

Call Aetna Advice Nurse Line at 1-855-456-9126 or visit aetnabetterhealth.com/ny/health-wellness/doctor/nurse.

How and when do I enroll my partner/spouse/child(ren)?

Dependent enrollments are handled by our student health insurance broker, JCB Insurance Solutions. To enroll your partner/spouse or child(ren) please visit jcbins.com during the insurance open enrollment period or contact the Office of the Dean of Students at healthinsurance@cca.edu for assistance.

Where can I find what doctors, hospitals, labs, urgent care centers, etc. are considered in-network for Aetna?

Please go to aetnastudenthealth.com and choose “California College of the Arts” as your school. From there, you can search for a specific doctor or the nearest facility.

What is the difference between the Aetna PPO plan and the One Medical membership?

The Aetna PPO plan is your insurance plan. One Medical is a membership that you use with your Aetna plan to expand your network of health care providers and services. Using doctors through One Medical is optional, but highly recommended as One Medical accepts the Aetna PPO Plan from CCA students.

Payment

Is there a deductible? What is a deductible?

Yes. The deductible is $100 for the policy year. A deductible is the amount you pay for covered health care services before your insurance plan starts to pay. With a $100 deductible, you will pay the first $100 of covered services yourself. After you pay your deductible, you will pay only a copayment or coinsurance for covered services.

What is the coverage for in-network labs, x-rays, etc?

In-network labs and x-rays are covered at 90% coinsurance. Coinsurance is the percentage of costs of a covered health care service you pay (10%, for example) after you've paid your deductible.

For example: Your in-network x-ray costs $1,000. You’ve already paid your $100 deductible for the year. The insurance covers 90% of the $1000, so you owe 10% of the cost, which is $100.

What is the cost for an emergency room (ER) visit?

The copay for any ER visit (in network or out-of-network) is $150, after the $100 deductible is met. After that, 90% of the negotiated charge is covered. For example, your ER visit is $1,000. If you haven’t had any other medical bills for the year, you will owe the $100 deductible and the $150 copay. After those fees are applied, the bill is $750. The insurance will cover 90% of that, so you owe an additional $75.

What happens when California College of the Arts is billed for a student's emergency medical care?

In an emergency, California College of the Arts is concerned with getting a student to the hospital as quickly as possible.

In the event that the college is billed for medical care a student received, the college reserves the right to directly bill the student or their family for portions of the bill which may have been paid up front by CCA.

What is the co-pay amount for a in-network doctor’s office visit? What is a co-pay?

The co-pay is $20. The $100 deductible is waived for in-network doctor’s visits. A co-pay is a fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.

For example: You are seeing an in-network doctor and it is your first visit of the policy year. You will pay $20 for the office visit. During your office visit, your doctor wants you to have blood work done. You go to an in-network lab and the lab charges $200 (for example) for this service. You will pay $100 (the deductible for the year) + 10% of the remaining balance, which is $100, so $10. Your total cost for the blood work is $110.

What is the cost of an in network urgent care visit?

The copay for an in network urgent care visit is $50, after the $100 deductible is met. After that, 90% of the negotiated charge is covered. For example, the total cost of your urgent care visit is $1,000. If you haven’t had any other medical bills for the year, you will owe the $100 deductible and the $50 copay. After those fees are applied, the bill is $850. The insurance will cover 90% of that, so you owe an additional $85.

Online Waiver

How do I submit an online waiver?

Waiver applications must be completed and submitted online by the published deadline. The online health insurance waiver site will go live for the 2019/2020 academic year, starting June 5th, 2019 and will end on September 10th, 2019 for Fall 2019. For Spring 2020, the waiver period begin on December 4th, 2019 and will end on January 28, 2020.

Note: only degree-seeking CCA students who are registered in a full-time course load (12 units or more for undergraduates, 9 units or more for graduates) can access the waiver site. If you are not yet registered, please email healthinsurance@cca.edu for assistance.

If you wish to waive the CCA Aetna health insurance plan, please go to: jcbins.com.

  • Type in "California College of the Arts"
  • Select the plan year "2019/2020"
  • Select “Domestic student” or “International student” and select "Go"
  • On the bottom left-hand side, you will see the option "Submit Waiver Here"
  • Complete the following three steps (you may need to create your student account with JCB, if this is your first time visiting the site)
  • Once you submit your online waiver application, you will receive an immediate response. The last screen of the online waiver application process will inform you of either your approval or denial.

You will be asked to submit the following information if you wish to waive:

  • Insurance carrier name
  • Medical ID number
  • Student first name, last name and date of birth

The application to waive participation in the CCA Student Health Insurance must be completed and submitted online no later than 11:59 p.m. on September 10, 2019 for the Fall 2019 term or no later than 11:59 p.m. on January 28, 2020 for the Spring 2020 term.

For international students: if your insurance plan is not on the waiver list, then you will be required to upload a copy of your policy for review. It must meet all the waiver criteria.

The system will then check if your insurance is active against a national medical clearinghouse. If your insurance is found to be active (and if it meets the criteria listed below), your waiver will be accepted. If you make an error, you have until the waiver deadline (9/10/19) to log in again and re-submit your waiver application.

For domestic students: if your insurance plan is not on the waiver list, then you are not eligible to waive the CCA health insurance plan.

What if I am having trouble accessing the waiver site?

Only degree-seeking students who are registered full-time (12 units for undergraduates, 9 for graduates) can access the waiver site.

If you are not registered for classes, you will be unable to access the waiver site. If this is the case, please email healthinsurance@cca.edu for assistance.

I already have personal health insurance. What benefits does my plan need to offer in order for me to waive participation in the CCA plan?

Your insurance plan must be active and meet the following criteria to waive participation in CCA's health insurance plan:

  • be owned, headquartered, operated, and filed in the United States
  • be in compliance with the Affordable Care Act (ACA Compliant)
  • provide emergency care within 50 miles of CCA
  • provide primary care services within 50 miles of CCA
  • offer inpatient and outpatient mental-health benefits
  • offer unlimited prescription benefits
  • offer full coverage for all preexisting conditions

The insurance plan of all international students must also meet the additional criteria below in order to waive out:

  • cover repatriation of remains in the amount of $25,000 or more
  • cover medical evacuation expenses of the international student to student's home country in the amount of $50,000 or more
  • plan deductible not to exceed $500 per accident or illness
  • if a copy of your insurance policy is requested, you must be able to provide a copy written in English showing benefit amounts in US dollars

Do I have to complete a waiver application each academic year?

Yes. Your approved waiver is effective for the current academic year only. If you want to waive participation for the next academic year, you must file another waiver application.

Do I have to complete a waiver application each semester?

No. If waived out of CCA's student health insurance plan for the Fall semester, the student will automatically be waived out for the Spring semester of the same academic year.

How will I know if my waiver application has been approved or denied?

Once you submit your online waiver application, you will receive confirmation of your approval or denial upon completion.

Please check your CCA email for a record of your waiver application approval or denial. Please also keep a copy of that email confirmation for your records.

If you do not receive this email and if you do not receive an accepted or denied message, this means your waiver application was not submitted and you must log in again to submit your waiver application.

How will I know if my waiver application has been approved or denied?

Once you submit your online waiver application, you will receive confirmation of your approval or denial upon completion.

Please check your CCA email for a record of your waiver application approval or denial. Please also keep a copy of that email confirmation for your records.

If you do not receive this email and if you do not receive an accepted or denied message, this means your waiver application was not submitted and you must log in again to submit your waiver application.

If my waiver application is denied, what options do I have?

You will automatically be enrolled in CCA's student health Insurance plan.

If you choose to purchase a different insurance plan that meets the CCA waiver requirements and wish to resubmit a waiver application before the waiver deadlines, please email the Dean of Students Office at healthinsurance@cca.edu.

I have waived the CCA Student Health Insurance, but I no longer have comparable personal health insurance. What should I do?

You are required to maintain comparable health insurance at all times during the academic year. If your health insurance coverage is terminated for any reason, you are required to enroll in CCA's student health Insurance plan.

To enroll in the plan you must immediately contact the Dean of Students Office at healthinsurance@cca.edu.

What if I have already been approved for a waiver in the online system, but now wish to reverse that and participate in the college’s health insurance?

If you wish to enroll in the college’s health insurance plan, but have already been approved for a waiver, you can enroll by emailing the Dean of Students Office at healthinsurance@cca.edu on or before 11:59 p.m. on Tuesday, September 10, 2019 (for the Fall 2019 term) or on or before 11:59 p.m. on Tuesday, January 28, 2020 (for the Spring 2020 term).

Coverage

Is student health insurance coverage mandatory?

Yes. All degree-seeking students who are registered at 12 or more units per semester (9 units per term for all graduate students) must have health insurance coverage through CCA's student health plan with Aetna or an approved waiver that meets the minimum requirements to waive out of the CCA student health plan. More information can be found here Online Waiver FAQ.

For full-time students who are enrolled in the CCA student health plan. An insurance fee is charged at registration each semester.

  • The Fall 2019 fee is $1,491.49, which provides coverage from August 1, 2019, through December 31, 2019.
  • The Spring 2020 fee is $2,043.50, which provides coverage from January 1, 2020 through July 31, 2020. See Tuition & Fee Schedule for additional fees.

What are the coverage dates?

  • Annual: August 1 – July 31
  • Fall: August 1 – December 31
  • Spring/Summer: January 1 – July 31
  • MFA Comics/Summer: July 1 - July 31

What about transgender health care options?

The Aetna PPO plan covers all medically necessary procedures. This includes, but is not limited to hormone replacement therapies, as well as top and bottom surgeries. It is recommended that you start with a clinician through One Medical (see more information on their transgender-friendly healthcare here) who can manage your care and make referrals as necessary.

Is coverage offered to part-time students?

Students registered for fewer than 12 units (except for graduate students taking 9 units/term) are ineligible for the Aetna Student Health plan. However, other options do exist.

Students are encouraged to see what options are available on the insurance marketplace. Financial assistance may be available.

If students are interested in enrolling in the CCA plan, but they are part-time, please email healthinsurance@cca.edu for assistance.

Does the Aetna Student Health Insurance Plan cover pre-existing conditions?

Yes. We believe the most important aspect of our plan is the lack of a pre-existing condition clause. We understand that many students may have health conditions, and they deserve quality health insurance regardless of their condition.

Pre-existing conditions do not affect the cost of the plan, nor is coverage determined by the severity of the condition. Registered students are covered for all medical conditions while enrolled in the plan.

What about a prescription plan?

Yes. A 30-day supply of your prescription medication picked up at an Aetna preferred pharmacy is covered with a $10 copay (generic) and $30 copay (brand name and nonformulary drugs).

Do options exist to see a specialist?

Yes, the Aetna PPO plan provides coverage for primary care physicians as well as specialists. There is no referral requirement to see a specialist.

Am I covered when I visit another school for a summer/semester?

Coverage remains in effect for the entire term you have purchased. Aetna is a nationwide insurance carrier and has preferred providers and hospitals throughout the country.

In rare occasions students may be asked to pay for medical treatment at the time of service, in which case Aetna would reimburse the student. Be sure to keep all medical expense receipts.

Are domestic partners covered?

Yes. Coverage is available for domestic partners. (Note: You and your companion must be registered as domestic partners with the state)

Are dependents covered?

Coverage for dependents is available for an additional fee.

Dependents must be enrolled within 30 days from the date the student is enrolled in the plan, or within 31 days of one of the following qualifying events: marriage, birth*, adoption, or arrival in the United States.

For covered students, newborns are automatically insured for injury or sickness from birth until 31 days old. Coverage for a newborn can be continued provided JCB Insurance Solutions is notified in writing within 31 days from the date of birth and all additional premiums are paid.

For assistance enrolling dependents during the year, contact healthinsurance@cca.edu.

Is chiropractic coverage included?

Yes. Chiropractic benefits with an in-network chiropractor are covered at 90% of the negotiated rate.

Is vision coverage included?

No. Students may purchase a separate vision plan through any carrier, such as VSP.

Is dental coverage included?

Dental coverage is not included. Students may purchase a separate dental plan through any carrier, such as Delta Dental.