Student Insurance Benefits for the
2009-2010 School Year

$100,000 Maximum Benefit per condition

$250 Deductible per policy year

This deductible is reduced to $150 per policy year, if referred to Michigan Avenue Urgent Care Center or Saint James Cathedral Counseling.

Beech Street PPO Network: 90% In Network; 70% Out-of-Network Co-Insurance

$10 Co-Payments for physician, mental health; substance abuse, chiropractic; physical therapy; acupuncture; and occupational therapy visits

Out of Pocket Maximum - $10,000 per condition

Express Scripts Prescription Drug Benefit with $15/$25/$35 co-payment to a maximum of $2,000 per policy year

Coverage for HIV/AIDS testing, as well as immunizations for diphtheria, tetanus, pertussis, measles, rubella, and mumps to $250 lifetime maximum

Physical Exam/Wellness or Womenís Wellness exam - $500 per policy year (deductible does not apply)

Optional Dental and Vision Insurance Plan

Preauthorization for medical treatment is not required.

Questions regarding benefits should be directed to the insurance plan administrator:
Associated Insurance Plans International, Inc.
28085 Ashley Circle, Suite 201
Libertyville, IL 60048
(800) 452-5772

www.aipinternational.com

Please contact SAIC Health Services at (312)499-4288 or email healthservices@saic.edu if you have specific questions about how the insurance policy works. You can also contact SAIC Health Services to discuss any health-related concern you may have or if you need a referral to a health care provider

Guidelines for Accepting or Waiving the SAIC Health Insurance Plan

Health Insurance is required each semester for all degree and certificate students enrolled for 12 or more hours, as well as for all exchange students and all international students. In addition, participation in a summer health insurance program is compulsory for all SAIC students admitted to their program for the summer and enrolled in 6 or more credit hours.

For detailed information regarding health insurance waiver policies and procedures visit the Financial Services Health Insurance section.

Copies of the School sponsored Student Accident and Sickness Insurance plan will be mailed by the Insurance Company and can also be obtained at the Health Services office and Student Financial Services.

The SAIC Student Health Insurance ID card is on the back page of the Insurance Brochure. Print your name and SAIC ID number on the card, cut it out, and carry it with you at all times. You will need to present the card to obtain medical care.

View the current SAIC sponsored Student Accident and Sickness Insurance Brochure. Links to the current brochure can be found on the Health Services Insurance web page.

The Student Health Insurance Company is Columbian Life Insurance Company.

The Student Insurance Information Web Site is: http://www.aipinternational.com/

If you need to verify your coverage, add a dependent on your policy, or continue your policy upon leaving SAIC call Associated Insurance Plans Inc., at 800.452-4772.

Medical claim forms can be obtained at Health Services, or on line (link to http://www.aipinternational.com/)

Submit medical claim forms to:

Administrative Concepts, Inc.
997 Old Eagle School Road, Suite 215
Wayne, PA 19087

For problems or concern about claim processing, contact the SAIC customer service representative at Associated Insurance Plans Inc., at 800.452-4772.