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FAQ: Student Insurance & One Medical Membership

General Questions

Who do I contact if I have a general question about the CCA's Student Insurance?

  • For more information about student insurance (including health benefits, dental/vision benefits, and One Medical membership), please email: healthinsurance@cca.edu.

Is student health insurance coverage mandatory?

  • Yes. Per CCA policy, all degree-seeking students who are registered at 12 or more units per semester (9 units per term for all graduate students) must have comprehensive health insurance coverage through CCA’s student health plan with Aetna or an approved waiver that meets the minimum requirements to waive out of CCA’s student health plan for the academic year.
  • For full-time students who are enrolled in the CCA student health plan. An insurance fee is charged at registration each semester.
  • See Student Health Insurance Fees & Eligibility

What happens if I go from a full-time student to a part-time student or vice versa?

  • Students who initially register for 12 units per term (or 9 units per term for graduate students), but who subsequently reduce their units to fewer than 12 units per term (or fewer than 9 units per term for graduate students) by dropping one or more courses during the add/drop period will lose eligibility for coverage under CCA’s health insurance plan.
  • Conversely, students who initially register for fewer than 12 units per term (or fewer than 9 units per term for graduate students) and then subsequently increase to 12 or more units per term (or more than 9 units per term for graduate students) before the end of the add/drop period will be required to enroll in CCA’s student health insurance plan or provide proof of insurance coverage by completing an insurance waiver.

What happens if I experience a qualifying event like 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.

How do I obtain my Aetna Student Health ID Card?

Mobile Device

  • Go to aetnastudenthealth.com
  • Select your school name from the drop down menu and click on view your school.
  • Select the “Print Your ID Card” link
  • Enter your school issued Student ID number and DOB and click “Submit”
  • Select your ID card to display it on the screen
  • Take a screenshot to save it to your phone

Access Aetna Navigator
(We encourage you to register here, but first you will need to get your Aetna ID number, which you can do by reviewing options 1 and 3. This way you can view claims, see which providers are in-network and access and other important information).

  • Go to aetnastudenthealth.com/cca
  • Select the “Aetna Secure Member Website” link on the bottom left hand side of the welcome page
  • Click the blue link to “Register/Login” (a new window will open)
  • If you have already registered for Aetna Navigator, you will log in from this screen
  • If you have not already registered for Aetna Navigator, you can register from this screen by choosing the “Register” option. To sign up for Navigator you will need the following information:
    • Aetna ID Number
    • First and Last Name
    • Date of Birth
    • Once you are logged into Navigator you will choose the “Get an ID Card” link on the left hand side

School specific Aetna Student Health webpage

  • Go to aetnastudenthealth.com/cca
  • Select the “Print Your ID Card” link
  • Enter your school issued Student ID number and DOB in the field and click the “View Card” button.
  • Select your ID card
  • Select Print your ID Card

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

  • The Aetna plan is your student health insurance plan.
  • Effective August 1, 2022 the CCA Student Health Insurance Plan will become an EPO Plan (Exclusive Provider Organization) and will no longer cover benefits for services provided by non-preferred providers or facilities (Emergency Room and Ambulance excluded).
  • See Student Health Insurance

  • One Medical provides high-quality, patient-centered primary care services with same-day/next-day appointments and has office locations in the Bay Area and nationwide.
  • A One Medical membership is included as part of the student insurance plan, increasing your access to an expanded network of One Medical doctors, specialists, offices, and more.
  • See One Medical Membership

What terms should I know?

  • Deductible: A deductible is the amount you pay ($100, for example) for covered health care services before your insurance plan starts to pay. Please see second question below.
  • Co-pay: A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.
  • EPO: An EPO Plan (Exclusive Provider Organizations) is a lot like an HMO: They generally don’t cover care outside the plan’s provider network. Members, however, may not need a referral to see a specialist.
  • 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.
  • Coinsurance: The percentage of costs of a covered health care service you pay (10%, for example) after you've paid your deductible.

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

  • To locate Aetna providers or check if your current healthcare providers are covered under the CCA health insurance plan, please use Aetna’s DocFind tool: Find a doctor, hospital or pharmacy. [Select "OA Elect Choice EPO" insurance type.]
  • You may also call Aetna Student Support line directly to speak with an Aetna representative and they will help you find a doctor or facility that is in network based on your location and zipcode.
  • Call Aetna Student Support at 1-877-480-4161
    Dial "0" to skip to speak with an Aetna representative
    Call before 3:00pm (PST)

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.

Health Insurance Costs

Is there 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 a copayment or coinsurance for covered services.

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

  • 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 for an emergency room (ER) visit?

  • The copay for any ER visit 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 and additional $75.

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 and additional $85.

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 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.

Coverage

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 transgender health care options are available?

  • The Aetna 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 Chiropractic coverage included?

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

Are Dental and Vision coverage included in the plan?

  • Yes, they are included.
  • Student dental and vision benefits are provided through Anthem Student Advantage.
  • See Dental and Vision Insurance

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.

Are dependents covered?

  • Additional coverage for dependents (spouse/domestic partner, children, or both) is available for an additional fee.
  • 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.
  • 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 (jcbins.com) is notified in writing within 31 days from the date of birth and all additional premiums are paid.
  • Please contact healthinsurance@cca.edu for further assistance.

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)
  • Please see fees for domestic partners here.

Am I covered when I visit another school within the U.S for a summer/semester?

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

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 who have the Aetna CCA Health Insurance Plan.
  • On Call International phone numbers: In the U.S. and Canada: Call us toll free at 1-866-525-1956. From anywhere in the world: Call us collect at 1-603-328-1956.
  • 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.

What about travel insurance?

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

Finding & Accessing Providers

How do I locate an Aetna 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.
  • If you have specific questions about Aetna benefits, you may call Aetna Student Support directly to speak with an Aetna representative:
    -
    Call Aetna Student Support at 1-877-480-4161
    - Dial "0" to skip to speak with an Aetna representative
    - Call before 3:00pm (PST)
  • You may also access One Medical doctors through your Aetna Plan. Please be sure to sign up for the One Medical membership by emailing healthinsurance@cca.edu for the school code for the current academic year.

When should I contact 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.
  • To reach the Advice Nurse Line, call: 1-800-556-1555.
  • See Aetna Advice Nurse Line (24 hours)

Is a prescription plan included?

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

Medi-Cal and Covered CA plans

Do options exist to see a specialist?

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

What if I have Medi-Cal?

  • If you are submitting an insurance waiver with Medi-Cal, it has to be one of the approved counties below that meets CCA's minimum waiver requirements.
  • Please contact your Medi-Cal county representative immediately and request for the Medi-Cal county change prior to the established waiver deadline:
    - Alameda County
    - San Francisco County
    - Contra Costa County
    - San Mateo County
    - Marin County
    - Santa Clara County
    - Santa Cruz County