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Health Insurance for Dependents of Students
Health Insurance Workshops for Students with Dependents
The Student Health Insurance Office at UC Berkeley holds insurance
workshops twice a year at the beginning of each semester. Contact the
Student Health Insurance Office if you would like a copy of the most
recent workshop presentation.
Contents:
Introduction
Selecting a Plan
Contact Information
Definition of terms used (HMO, PPO, etc.)
| Introduction |
Choosing the right plan for your family is an important decision. University
Heath Services (UHS) can help you learn about and get connected to health coverage
for your family. Families have a choice of health insurance plans, including individual
commercial insurance plans, publicly supported plans, and non-profit community-based
plans. | | Selecting
a Plan |
Click
here to view a comparison of several selected plans. You
can start your selection process by reviewing the plans and evaluating
their benefit levels and affordability. When you are ready for
additional assistance, please call the Student Health Insurance
Office at (510) 642-5700 to make an appointment. We will meet
with you to review the best options to meet your family's needs
and assist you with the enrollment process.
| | Contact
Information | Brokers: - Saylor
and Hill Co.
Saylor and Hill Co., which is the insurance broker for SHIP,
can provide assistance with selecting and applying for a plan. There is no fee
for using their services. Visit www.saylorhill.com/individual.html
or call (510) 273-8888. - E-Health Insurance
E-Health Insurance
is an online broker service that allows you to get quotes, compare plans, and
apply for health insurance online. Visit www.ehealthinsurance.com
or call (800) 977-8860. Insurance plans included in summary table
above:
Some plan brochures and enrollment kits are available at the
Student Health Insurance Office.
- Anthem Blue Cross
Visit http://www.anthem.com/ca/
or call (800) 777-6000. For "Tonik" plans, visit https://www.tonikhealth.com/ca/
or call (866) 333-4820. Anthem Blue Cross offers PPO and HMO
plans for individuals and families. Some include optional dental
and vision coverage.
- Blue Shield of California
Visit www.blueshieldca.com
or call (800) 660-3007. Blue Shield offers PPO and HMO plans
for individuals and families. Some include optional dental and
vision coverage.
- Health Net
Visit www.healthnet.com
or call (800) 909-3447. Health Net offers PPO and HMO plans
for individuals and families with optional dental and vision
coverage.
- Kaiser Permanente Northern California Region
Visit www.kaiserinsuranceonline.com or call (800) 232-5100.
Kaiser offers both deductible and copayment HMO plans for individuals
and families. An optional Dental Assistance Plan is also available.
Kaiser has a Child Health Plan for families with children who
meet income requirements and are not eligible for government-sponsored
programs.
- Healthy Families
Visit www.healthyfamilies.ca.gov
or call (800) 880-5305 for enrollment and eligibility requirements.
The Healthy Families program is for children up to age 19 in
low income families.
- Access for Infants and Mothers (AIM)
Visit www.aim.ca.gov or
call (800) 433-2611 for enrollment, residency and eligibility
requirements. AIM provides low cost health coverage for pregnant
women.
- Medi-Cal
Visit http://www.dhcs.ca.gov/services/medi-cal
or call (800) 430-4263 (Health Care Options) to find out more
about eligibility for state-sponsored programs. You may also
visit the Alameda County Social Services Agency at www.alamedasocialservices.org/public/services/medical_care/
or call (510) 777-2300 (toll free number (800) 698-1118) for
Medi-Cal enrollment information.
- MRMIP Visit http://www.mrmib.ca.gov/
or call (800) 289-6574. The state-funded Major Risk Medical
Insurance Plan (MRMIP) is a program that provides health insurance
to Californians who are unable to obtain coverage in the individual
health insurance market (usually due to pre-existing health
conditions).
Other Insurance Plans in California:
- Aetna
Aetna offers "Aetna Advantage" high deductible PPO
plans for individuals with optional dental coverage. Visit http://www.aetna.com/members/individuals/
or call (866) 582-9629.
- PacifiCare
PacifiCare, A UnitedHealthcare Company, offers PPO and HMO plans
for individuals. Visit www.pacificare.com
or (800) 516-2596.
Please Note: This site is provided as a service
to students. It is not meant as a University endorsement of any insurance company,
plan or broker. The information provided is a summary only and is subject to change.
Contact the insurance company or a broker for additional plan details and the
most current information about eligibility and benefits. |
| Definitions | |
| Coinsurance | Percentage
of fees for services you must pay, in addition to what the plan pays |
| Co-pay | Set dollar
amount you need to pay for a covered service | | Deductible | The
amount you need to pay out of pocket before the plan will pay for medical services.
| | Premium | The
rate you pay to be enrolled in an insurance plan, usually monthly |
| HMO | Health
Maintenance Organization: A plan in which you choose a primary care physician
who coordinates your care with providers in the plan network |
| PPO |
Preferred Provider Organization: A group
in which you have direct access to providers in the plan network,
as well as other providers at higher cost. |
| Limited Benefit PPO | Some PPO plans
have lower premiums because certain benefits are not included, such as maternity
or full prescription drug plans | | Preferred,
Participating or In-Network Providers |
Providers that accept a negotiated or
contracted rate from the insurance company as full payment for services.
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Contact Info
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