Healthcare & Medical Insurance
All F-1 and J-1 visa holding international students at Loyola University New Orleans are required to have health insurance. This requirement is for your health and safety, should you become ill or need to seek medical attention.
You are automatically billed and enrolled in a plan provided by LEWERMARK INSURANCE that is specifically designed to meet the needs of international students.
A NOTE about GALLAGHER KOSTER insurance:
- If you are on a student visa, you should NOT enroll in the Gallagher Koster insurance, which is the plan provided to other students at Loyola.
- If you are a U.S. citizen or permanent resident, then you SHOULD enroll in the Gallagher Koster insurance plan, which is avaiable through the Student Health Services website.
ENROLLMENT PERIOD & COST
The cost for the insurance is $99 per month.
Degree-seeking students starting in the fall semester will be enrolled for 12 months of coverage to be renewed annually. Degree-seeking students starting in the spring semester will be enrolled for 7.5 months of coverage to be renewed annually in August. The cost of the plan is $1,188 for 12 months of coverage.
Exchange students will be enrolled for and charged $495 for one semester of coverage or $990 for 2 semesters of coverage depending upon how long they will be at Loyola.
Loyola Intensive English Program (LIEP) students who are on a student visa will be enrolled in and charged for the number of months that they are enrolled in LIEP.
If you wish to keep your own insurance, your insurance company representative must complete a Health Insurance Waiver.
Using The Loyola Insurance
Loyola's international student insurance policy covers you if you get sick or have an accident. The insurance will not cover most routine checkups, preventative care, or annual dental or eye exams or medical care in your home country.
It is a co-pay insurance plan that works with a specific network of doctors. This means that for a covered expense you pay a a $25 co-pay for services provided by a Participating health care provider the insurance will pay 100%. If you go to a doctor outside of the network, the insurance will cover 80% of your costs. Remember that the insurance company will charge an additional deductible for a hospital emergency room visit unless the reason for going is an injury or a major illness requiring an overnight hospital stay.
For a complete list of coverage benefits, refer to the LewerMark policy information brochure. You can also contact the plan administrator, LewerMark, at 800-821-7710. The insurance company has negotiated fees with providers within a "network." Services performed by in-network members will be covered at 100% of the allowable charges.
It is very important that you go to a doctor or hospital in the network.
- If you use doctors and hospitals that are not part of the network, your insurance policy will only pay 80% of the allowable charges.
- Providers who are not in-network may also charge fees that are higher than the insurance company's negotiated fees, so you will spend much more if you see an out-of-network provider.
Co-Pays and Filing a Claim Form
- A co-pay is a small out of pocket expense that you must pay the doctor or hospital for each visit. If you need to go to the doctor, you must pay a $25 co-pay per office visit. Hospital and emergency room visits require a $100 co-pay per visit. Example: The doctor bill totals $200. You must pay the first $25 to the doctor. The plan will then pay the remaining covered expenses of $175.
- The service provider should automatically file a claim on your behalf with the insurance company. However, you must file a claim form to claim reimbursement from the insurance company for prescription drug coverage. A link to the claim form is listed below under "Related Links" or on LewerMark's website.
Accident and Sickness Procedures
In the event of a non-emergency injury or sickness, you should see the nurse or doctor at the Student Health Center if possible. There is no co-pay charge at the Health Center.
If the Student Health Center is closed and it's not an emergency, call the Nurse Line (available 24 hours/day): 866-549-5076.
If you need to go to the doctor, visit the Lewermark website to find "in-network doctors":
- Access LewerMark's website and click on "International"
- On the left side of the page, select "Find a Doctor or Pharmacy"
- Click on Great-West Healthcare's web link
- During the search process, when selecting a network be sure to select "open access"
If you are admitted to the hospital or you visit a doctor:
- Be sure to present your insurance ID card
- Some doctors will take your insurance information and then bill the insurance company. Other doctors will require that you pay upfront. You would then get a reimbursement from the insurance company. You may have to pay your co pay upon being seen, or the doctor may bill you later.
- Obtain itemized hospital and medical bills showing the amount you have paid the doctor.
The policy covers 100% (80% at an out of network hospital) of prescriptions if you are admitted into a hospital and require prescription drugs during your stay.
When purchasing prescriptions at the pharmacy, you get a discount and you are also eligible to receive reimbursement of 50% of the cost of the prescriptions:
- You must show your insurance card when purchasing the prescriptions to get a discount.
- Pay for prescriptions in advance.
- File a claim form for reimbursement from the insurance company.
Waiver of Coverage
Since health insurance is mandatory, you will be charged an insurance fee and covered under a policy obtained by Loyola on your behalf, unless you submit proof of comparable personal coverage.
This health insurance charge will appear on your first student bill. If you wish to waive coverage under Loyola’s accident/sickness policy, your insurance company representative must complete the Health Insurance Waiver.
This form or a letter from your insurance company addressing all of the policy requirements must be submitted to the CIE office by the deadline:
FALL 2013 DEADLINE: September 6, 2013
- After this date, CIE will not accept any policies and you will have to pay the insurance charge on your student bill.
- You should contact your insurance company before you arrive at Loyola and well before the deadline since it may take several days for them to complete the Health Insurance Waiver.
- Remember: you will have to submit proof of comparable insurance coverage every academic year. CIE will assist you with filing claims and will answer any questions you have about the Loyola health insurance coverage.
Health Insurance FAQs
- Why do I have to buy insurance?
- I have my own health insurance. How do I get the school's insurance charge removed from my bill?
- What is the deadline to submit a Health Insurance Waiver?
- What does my insurance have to cover to be accepted by CIE?
- What if my insurance meets all the requirements, except for the repatriation and medical evacuation?
- Can I bring my insurance information to another office on campus to get the fee removed from my bill?
- If CIE accepts my insurance this year do I need to show proof of coverage next year?
- I want to purchase the international student health insurance. What do I need to do?
- What does the school's insurance policy cover?
- How much does the insurance cost?
All F-1 and J-1 students at Loyola University New Orleans are required to have health insurance coverage. This requirement is for your health and safety, should you become ill or have an accident and need to seek medical attention. Since health coverage is mandatory, you will be charged an insurance fee and covered under a policy obtained by Loyola on your behalf, unless you submit proof of comparable personal coverage by the deadline set by the Center for International Education (CIE). After this date, no policies will be accepted and you will have to pay the insurance charge on your student bill.
I have my own health insurance. How do I get the school’s insurance charge removed from my bill?
If you would like to waive the insurance fee, you must fill out the Health Insurance Waiver and ask your insurance company to complete it. It is your responsibility to get this information from your insurance company and submit it to the CIE office by the stated deadline. This office will not call insurance companies to verify your coverage.
FALL 2013 DEADLINE: September 6, 2013
What does my insurance have to cover to be accepted by CIE?
You can only be waived from purchasing the university insurance policy if you can show proof of a policy that meets all of the following criteria. (Please read the Health Insurance Waiver for a complete list of the policy requirements).
- Repatriation benefits of at least $10,000
- Medical evacuation coverage of at least $25,000
- Provides medical benefits to policyholders residing in Louisiana
- Has a U.S. telephone number for claims inquiries
- Is a major medical health plan covering the policyholder in or out of the hospital
- Covers a minimum of $250, 000.00 (U.S.) reimbursement per injury or sickness
- Deductible does not exceed $500.00 (U.S.)
What if my insurance meets all the requirements but the repatriation and medical evacuation?
In the event that your insurance policy provides all required benefits except medical evacuation and/or repatriation coverage, CIE will remove the insurance charge provided that you purchase a supplemental insurance policy that covers those benefits. Two companies that provide such supplemental insurance are International SOS or The Harbour Group, LLC. These plans are $60-70 for 12 months of coverage. In order to have the insurance charge removed, the student must submit a paid enrollment form to CIE by the insurance deadline.
Can I bring my insurance information to another office on campus to get the fee removed from my bill?
NO. CIE is the only office that can remove the insurance charge from your student bill.
If CIE accepts my insurance this year do I need to show proof of coverage next year?
YES. You must show proof of health insurance coverage at the beginning of every school year. You must submit a Health Insurance Waiver by the stated deadline and your policy must meet all coverage requirements in order for the insurance charge to be removed. There are students whose policies are accepted one year, but because of changes in benefits do not get the insurance fee waived in subsequent years.
I want to purchase the international student health insurance. What do I need to do?
Nothing. The health insurance charge will appear on your first student bill each academic year. CIE will forward your information to the insurance company. If you need to see a doctor or go to the hospital before you receive your card, visit CIE and we will give you a temporary insurance card that you can use.
What does the insurance policy cover?
This coverage is an accident and sickness policy. It does not cover routine check-ups, preventative care or annual dental or eye exams. For a complete list of coverage benefits, refer to the insurance brochure and the insurance information sheet. You can also contact The Lewer Agency, Inc. directly at 1-800-821-7710.
How much does the insurance cost?
The current rate for 12 months of coverage is $1188.00.
If you have any questions please call the Center for International Education at (504) 864-7550 or by email at firstname.lastname@example.org.
Loyola University New Orleans requires ALL students entering the university for the first time and those students residing in on-campus housing to get a series of immunizations, including against meningococcal disease (bacterial meningitis).
In order to begin classes, you must prove that you have the required immunizations by having your doctor fill out the Loyola Proof of Immunization Compliance form. If you object to getting the meningitis vaccine, you may fill out a Waiver of Vaccination and Release from Responsibility form.
Student Health Services assists students with immunization issues. It is located on the lower level of the Danna Student Center. The telephone number is 504-865-3326, FAX 504-865-2393. The address is Student Health Services, 6363 St. Charles Avenue, Campus Box 179, New Orleans, LA 70118.
You can use the Lewermark website to access the following:
- Student Login to print your ID Card
- How to Use Your Insurance
- Search for a Doctor
- Stop or Go: When Should I Visit the Emergency Room?
- How Do I Receive My Reimbursement For Prescriptions?
- MyNurse 24/7
- Scholastic Emergency Services
- Scholastic Emergency Services Multilingual Brochure
- Summary of Benefits And Coverage
Note that you can translate the Lewermark website into over 70 different languages by clicking on the box in the upper right corner.
On Lewermark's Facebook page you can communicate directly with Lewermark employees.