A student health insurance plan customized for you

A student health insuranceplan customized for you.

Deadline sensitive

Brought to you by Long Island University and Aetna Student Health

School Policy Information 2011-2012

15.02.305.1 D

Visit http://www.aetnastudenthealth.com/liu to learn more.

Dear Students and Families:

Long Island University is dedicated to providing quality and affordable health care options for our studentsand their families during the 2011-2012 academic year and beyond through our partnership with AetnaStudent Health. Our Student Health Insurance Plan offers students and their dependents access to Aetna’snationwide network of doctors, hospitals, and pharmacies throughout the country; no annual deductibles;coverage for pre-existing conditions; annual routine physical exams; expanded coverage for State mandatedvaccinations, surgical expenses, and prescription drugs; and travel assistance services with worldwide medicalcoverage while traveling or studying abroad. For this year, we have doubled the aggregate plan maximumper condition per policy year to $100,000, eliminated a number of important per day maximums, andexpanded prescription drug coverage to $5,000 per year.

The Plan is available to all students enrolled and registered in degree-granting programs at Long IslandUniversity, regardless of credits. Students participating in the University’s Global College are mandated to enrollin the Plan, even if they have comparable coverage. All international students, clinical students, residentialstudents, and intercollegiate athletes are automatically enrolled in the Plan but can waive participation online if they have verifiable coverage under a family plan or other policy. All remaining students are not automaticallyenrolled but are eligible to purchase the same Plan on a voluntary basis.

Beginning on August 15, 2011, in conjunction with the start date of the Plan, students can log into theirMyLIU account at https://my.liu.edu and click on the “Student Health Insurance” link from the StudentCenter Home Page to voluntarily enroll in the Plan, waive coverage, add spouses or dependents, printtemporary ID cards, and file or check claims. Remember that if you have been automatically enrolled in theannual plan and wish to waive coverage, you must go online and receive electronic confirmation prior to thepublished deadline.

Long Island University takes the health of our students and families very seriously. The University welcomesyour feedback so that we can constantly improve our student health insurance offerings over time, keepingyou well so you can excel!

Sincerely,Long Island University Offices of Student Financial Services

The Long Island University Student Health Insurance Plan is underwritten by Aetna Life Insurance Company(Aetna) and administered by Chickering Claims Administrators, Inc. Aetna Student HealthSM is the brand name forproducts and services provided by these companies and their applicable affiliated companies.

Why Is a Student Health Insurance Plan Important?

Health care costs are at an all-time high. Don’t let anunexpected trip to the doctor or hospital set youback financially. Here are some things to think about:

� Take a look at the Long Island UniversityStudent Health Insurance Plan and compareit to your current coverage. Look at premiums,deductibles, benefits provided and the timecovered. You’re covered for as long as you areregistered with Long Island University as aninternational, clinical and residential student or anintercollegiate athlete.

� You may not be covered away from home orabroad. If you travel in the U.S. or study abroad,it’s good to know you’re covered if you needhealth care.

� You may not have prescription drug coverage.The cost of prescription drugs is growing by doubledigits. Under our Plan, you pay a flat fee each timeyou need to fill a prescription for pharmacy at in-network pharmacies subject to an annualmaximum of $5,000. Out of network pharmacyservices are covered up to the same $5,000 annualmaximum, as well.

Wh

o Is

Aetna Student Health?Aetna is a leader in the insurance industry with a strong knowledge of health insurance benefits andan expansive network of physicians, hospitals, and other health care providers. We’ve been offeringhealth insurance coverage to students like you for 30 years at colleges and universities across thecountry. We work with Student Health Services professionals and administrators to give you access tomedical care when you need it. You are even covered when you travel home or to another country,throughout the policy/school year.


What Is This Health Insurance Plan All About?

The Student Health Insurance Plan helps keep health care cost effective. Please check with your studenthealth center to see if there is a referral requirement. Here’s a brief description of the Plan benefits.

Your Benefits at a GlanceAggregate Maximum $100,000 per policy year

Pharmacy Maximum $5,000 per policy year

Mental Health Maximum 20 visit maximum per Policy Year(20 visit maximum does not apply for biologically based mentalhealth conditions.)

Expenses

Physician’s Office VisitPreferred: 100% up to $2,000 per condition per policy year, 80% thereafterNon-Preferred: 100% reasonable and customary up to $2,000 per condition per

policy year, 65% thereafter

Inpatient HospitalizationPreferred: 100% up to $2,000 per condition per policy year, 80% thereafterNon-Preferred: 100% reasonable and customary up to $2,000 per condition per


Emergency Room, $2,000 per condition per policy year.Preferred: 100%Non-Preferred: 100%

X-ray and Lab $500 per condition per policy year.Preferred: 100% up to $2,000 per condition per policy year, 80% thereafterNon-Preferred: 100% reasonable and customary up to $2,000 per condition per


Prescription Drug 100% after the copay up to $5,000 at in or out of network pharmacies

The Plan will pay benefits in accordance with any applicable New York insurance law. The Long IslandUniversity Student Health Insurance Plan may not cover all your health care expenses. The plan excludescoverage for certain services and contains limitations on the amounts it will pay. Please read the Long Island University brochure carefully before deciding whether this plan is right for you. While thisdocument and the Long Island University brochure tell you about some of the important features of the plan, other features may be important to you and some further limit what the plan will pay. If youwant to look at the full plan description, which is contained in the Master Policy issued to Long IslandUniversity, you may view it at the University’s Student Finance Office during business hours or you maycontact us at (866) 654-2682.

This plan will never pay more than $100,000 in a coverage year or more than $5,000 per policy year forpharmacy. Additional plan maximums may also apply. Some illnesses may cost more to treat and healthcare providers may bill you for what the plan does not cover.


Where Can I Go for Service?

When you need care, consider Student HealthServices as your first stop. Located at the BrooklynCampus University Health & Medical Services(UHMS) and C.W. Post Campus Student Health andCounseling Center. They can provide many of theroutine health services you need. If you need carethey can’t provide, they’ll refer you to a doctor orother health care provider who belongs to Aetna’sPreferred Provider* network (doctors, specialists andfacilities). You also may visit any licensed health careprovider directly for covered services in Aetna’sPreferred Provider* network (doctors, specialists,facilities) except that specific Plan restrictions oncertain services may apply. However, when you visitStudent Health Services first, you’ll generally pay lessout of your own pocket for your care. To learn moreabout Preferred Providers, visithttp://www.aetnastudenthealth.com/liu.*Providers are independent contractors and are not agentsof Aetna. Provider participation may change withoutnotice. Aetna does not provide care or guarantee accessto health services.

How Much Does It Cost?

Coverage Annual *Spring *Summer8/15/11 – 1/01/12 – 5/15/12 –8/14/12 8/14/12 8/14/12

Hardwaiver $ 999 $ 619 $252Student

(Resident Students, Clinical Students, International Students and Intercollegiate Athletes)

Voluntary $2,781 $1,722 $701Student

(All other degree seeking LIU students)

Spouse/Domestic $3,553 $2,200 $896Partner

Children $2,937 $1,819 $740

* These plans are only offered to new students who begin their studies during the Spring or Summer term.Students previously eligible, but who waived coverage,are not permitted to participate until the following plan year.



How And When Do I Enroll in the Plan?

Hardwaiver Students*All international students1, clinical students, residentstudents and intercollegiate athletes2 (hardwaiverstudents) attending Long Island University areautomatically enrolled in the Long Island UniversityStudent Health Insurance Plan. The premium for thePlan will be added to your tuition bill. If you havecomparable coverage and wish to waive coverageunder the Plan, you must submit an Online WaiverForm and provide proof of comparable coverage byOctober 15, 2011.

If you are a new Spring or Summer semesterhardwaiver student attending Long Island Universityfor the first time, the premium for the Plan will beadded to your tuition bill. If you have comparablecoverage and wish to waive coverage under the Plan,you must submit an Online Waiver Form and provideproof of comparable coverage by February 15, 2012for students newly enrolled for the Spring semesterand by July 06, 2012 for students newly enrolled forthe Summer semester.

To complete the Online Waiver Form:

� Go to www.aetnastudenthealth.com/LIU.

� Click on “Compulsory/Hardwaiver Students:Enroll/Waive.”

� Complete the online waiver form.

Enrollment/Waiver Deadline Dates

Fall Students: October 15, 2011

New Spring Students: February 15, 2012

New Summer Students: July 06, 2012Waiver submissions may be audited by Long IslandUniversity, Aetna Student Health, and/or their contractorsor representatives. You may be required to provide, uponrequest, any coverage documents and/or other recordsdemonstrating that you meet the school’s requirements forwaiving the student health insurance plan. By submittingthe waiver request, you agree that your current insuranceplan may be contacted for confirmation that your coverageis in force for the applicable policy year and that it meetsthe school’s waiver requirements.

Global College Students**Students enrolled in Global College Programs areautomatically enrolled in the Plan on a term basis.Due to the travel requirements of these programs,mandatory students are not permitted to waivecoverage. Charges are placed on the student’saccount at the time of registration.

Voluntary Students (all other degree seekingLong Island University students)***Students who are not participating in one of thehardwaiver or Global College programs arepermitted to enroll themselves and theirdependents into this Plan on a voluntary basis:

� Go to www.aetnastudenthealth.com/LIU.

� Click on “Voluntary Students/Dependents: Enroll.”Please make sure you understand your school’s credit hourand other requirements for enrolling in this plan. AetnaStudent Health reserves the right to review, at any time,your eligibility to enroll in this plan. If it is determined thatyou did not meet the school’s eligibility requirements forenrollment, your participation in the plan may berescinded in accordance with its terms.

* Hardwaiver Enrollment: Eligibility defined as studentsenrolled in a ‘clinical’ degreed program(s), athletics,international status and/or resident of the L.I.U.campus /allowed to waive out by deadline noted.

** Mandatory Enrollment: All Global College students(not eligible for waiver process).

*** Voluntary Enrollment: Eligibility defined as astudent enrolled in a credited/degree program andNOT part of ‘hardwaiver’ category.

1 International Designations: F1 Visa – student: Full-time international student enrolledin an academic or language program. (ESLs fall under F1.)

J1 Visa – exchange: International student needingpractical training not available in his/her home country.

M1 Visa – vocational: International student enrolled in anon-academic trade or vocational program.

2Athletic Designations: Participation in intercollegiate athletics.

� Zagat discounts: Discount off a one-year onlinemembership to ZAGAT.com, with access toratings and reviews of over 40,000 restaurants,hotels and more in hundreds of cities worldwide.

� At Home Products discount program: Access todiscounts on health care products that memberscan use in the privacy and comfort of their home.

� Emergency Travel Assistance Services andMedical Evacuation: Access to travel assistanceservices including emergency assistance –available 24/7.

� Aetna Specialty Pharmacy provides specialtymedications and support to members living withchronic conditions and illnesses. These medicationsare usually injected or infused, or some may betaken by mouth. Custom compounded doses andforms are also available. For additional informationplease go to www.AetnaSpecialtyRx.com.

� Quit Tobacco Cessation Program: Say good-bye to tobacco and hello to a healthier future!The one-year Quit Tobacco program is providedby Healthyroads, a leading provider of tobaccocessation programs. You’ll get personal attentionfrom health professionals that can help find whatworks for you.

� Beginning Right® Maternity Program: Makehealthy choices for you and your baby. Learnwhat decisions are good ones for you and yourbaby. Our Beginning Right maternity programhelps prepare you for the exciting changespregnancy brings.

� Informed Health® Line: Get health answers24/7. Talk directly to a registered nurse. Ournurses can discuss a wide variety of health andwellness topics.

Discount programs and other programs above provideaccess to discounted prices and are NOT insured benefits.The member is responsible for the full cost of thediscounted services. Discount programs may be offered byvendors who are independent contractors and notemployees or agents of Aetna. Aetna may receive apercentage of the fee you pay to the discount vendor.These services, programs or benefits may be offered byvendors who are independent contractors and notemployees or agents of Chickering Claims Administrators,Inc., Aetna Life Insurance Company or their affiliates.


And There’s More…As a member of the Plan, you can also takeadvantage of the following services, discounts, andprograms. These are not underwritten by Aetna andare not insurance. Please note that these programsare subject to change. To learn more about theseadditional services and search for providers visithttp://www.aetnastudenthealth.com/liu.

� Aetna BookSM discount program: Access todiscounts on books and other items from theAmerican Cancer Society Bookstore, theMayoClinic.com Bookstore and Pranamaya.

� Aetna FitnessSM discount program: Access topreferred rates on gym memberships anddiscounts on at-home weight loss programs,home fitness options and one-on-one healthcoaching services through GlobalFitTM.

� Aetna HearingSM discount program: Access todiscounts on hearing aids and hearing tests fromHearPO. Guaranteed lowest pricing* on over1,000 models from seven leading manufacturers.*Competitor copy required for verification of price andmodel. Limited to manufacturers offered through theHearPO program. Local provider quotes only will bematched, no Internet quotes.

� Aetna Natural Products and ServicesSM

discount program: Access to reduced rates on services from participating providers foracupuncture, chiropractic care, massage therapyand dietetic counseling. Also, access to discountson over-the-counter vitamins, herbal and nutritionalsupplements and natural products. All products andservices are provided through American SpecialtyHealth Incorporated (ASH) and its subsidiaries.

� Aetna VisionSM discount program: Access todiscounts on vision exams, lenses and frameswhen a member utilizes a provider participating inthe EyeMed Select Network.

� Aetna Weight ManagementSM discountprogram: Access to discounts on eDiets® dietplans and products, Jenny Craig® weight lossprograms and products, and Nutrisystem® weightloss meal plans.

� Oral Health Care discount program: Access todiscounts on oral health care products. Save onxylitol mints, mouth rinses, gum, candies andtoothpaste from Epic. Additionally, receiveexclusive savings on Waterpik® dental water jetsand sonic toothbrushes.


Optional Products: Vital Savings by Aetna® on Pharmacy is adiscount program helping you and your dependentslower your prescription drug costs. Present your cardto participating pharmacies and receive a discount atthe time of purchase, no claims to file. Enroll onlineat http://www.aetnastudenthealth.com/liu.

Price:

Student only $25

Student + 1 Dependent $44

Student + 2 or more Dependents $63

Vital Savings by Aetna® on Dental* is a dentaldiscount program helping you and your dependentssave. In most instances, savings range from 15-50percent on services from general dentistry andcleanings to root canals, crowns, and orthodontia(braces). No claims to file. Enroll online athttp://www.aetnastudenthealth.com/liu.

Price:

Student only $25

Student + 1 Dependent $44

Student + 2 or more Dependents $63 *Actual costs and savings vary by provider and geographic area.

Vital Savings by Aetna® on Pharmacy andDental* is a discount program helping you andyour dependents save on prescription drug costsand a wide array of dental services. Enroll online athttp://www.aetnastudenthealth.com/liu. Savetime and money on enrollment fees by joining bothprograms in one step. In most instances, for dental,

savings range from 15-50 percent on services fromgeneral dentistry and cleanings to root canals,crowns, and orthodontia (braces). No claims to file.

Price:

Student only $ 40

Student + 1 Dependent $ 70

Student + 2 or more Dependents $100 *Actual costs and savings vary by provider and geographic area.

The Vital Savings by Aetna® program (the“Program”) is not insurance. The programdoes not meet the Minimum CreditableCoverage requirements in Massachusetts. Itprovides Members with access to discountedfees according to schedules negotiated byAetna Life Insurance Company for the VitalSavings by Aetna discount program. The rangeof discounts provided under the Program willvary depending on the type of provider andtype of service received. The Program does notmake payments directly to the participatingproviders. Each Member must pay for allservices or products but will receive a discountfrom the providers who have contracted withthe Discount Medical Plan Organization toparticipate in the Program. Aetna Life InsuranceCompany, 151 Farmington Avenue, Hartford,CT 06156, 1-888-BeVital, is the DiscountMedical Plan Organization.

Learn More!Go to http://www.aetnastudenthealth.com/liuto learn more or call (866) 654-2682. This material is for information only. Health/Dentalinsurance plans contain exclusions, benefit maximums andlimitations. The plan will pay benefits in accordance withany applicable New York insurance law. If any discrepancyexists between this pamphlet and the Master Policy, theMaster Policy will govern and control the payment ofbenefits. Health information programs provide generalhealth information and are not a substitute for diagnosisor treatment by a physician or other health careprofessionals. Preferred providers are independentcontractors and are neither agents nor employees ofAetna Life Insurance Company, Chickering ClaimsAdministrators, Inc., or their affiliates. Aetna does notprovide care or guarantee access to health/dental services.The CareEngine is a proprietary technology platformdeveloped by ActiveHealth Management, an Aetnacompany. In conjunction with clinicians, the CareEnginecontinuously analyzes claims and other data againstevidence-based best practices and alerts the members andtheir physicians about possible care gaps and otherinconsistencies. Information is not a substitute fordiagnosis or treatment by a physician or other health careprofessional. While only your doctor can diagnose,prescribe or give medical advice, the Informed Health Linenurses can provide information on more than 5,000 healthtopics. Contact your doctor first with any questions orconcerns regarding your health care needs. Information isbelieved to be accurate as of the production date;however, it is subject to change. Policy forms issued in OKinclude: GR-96134.

NOTICE: Any person who knowingly and with intent toinjure, defraud or deceive any insurance company or otherperson files an application for insurance or statement ofclaim containing any materially false information or whoconceals for the purpose of misleading, informationconcerning any fact material thereto commits a fraudulentinsurance act, which is a crime and subjects such personto criminal and civil penalties.

© 2011 Aetna, Inc.

15.02.305.1 D


Dental® PPOFor all states except for Texas

Our Aetna Dental® PPO insurance plan providescoverage for both in and out of network coveredservices (member coinsurance levels may vary).Participating dentists have agreed to providecovered services at negotiated rates, so you willgenerally pay less out of pocket when you visit anetwork dentist. (Participating dentists may alsooffer discounted rates on additional services such astooth whitening.*) Enroll and search dentists onlineat http://www.aetnastudenthealth.com/liu.

Fall Price: Annual

Student only $533

Spouse Domestic partner $559

Child(ren) $728

Spring Price: New Spring Students and Dependents of New Spring Students

Student only $330

Spouse Domestic partner $346

Child(ren) $451*Discounts for non-covered services may not be availablein all states. The Aetna Dental PPO insurance plan isunderwritten by Aetna Life Insurance Company. Policyform numbers in Oklahoma include: GR-9 and/or GR-9N,GR-23, GR-29 and/or GR-29N.

Your Home Page @Aetna Navigator®

Once you’re a member of the Plan, you have accessto Aetna Navigator, your secure member website.It’s packed with personalized benefits and healthinformation. When you register with AetnaNavigator, you’ll have your own personal homepage to:

� View your most recent claims

� Print a temporary ID card

� See who is covered under your Plan

� Use cost of care tool

� View your health history report which provides your health data in a portable and easy to read format

� And much more!

Aetna Student Health

c/o Com

munications Departm

ent

1 Charles Park

Cam

bridge, M

A 02142

©2011 Aetna, Inc.

Documents

A student health insurance plan customized for you