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How to use your insurance plan
Make the most of your health insurance by understanding your coverage and preparing for your doctor visits. Avoid unexpected costs and get the care you need with ease.
Before you visit a provider
Get familiar with your health insurance plan and learn how to prepare for your doctor visit. This will help you avoid unexpected costs.
Look at your plan documents to check how you will be covered for your visit. Your plan documents list different kinds of provider visits and services along with how they are covered. This helps you check how much of the cost of your visit you may be responsible for paying. Remember, preventive care is covered at 100%.
Your plan documents also show the difference in cost between visiting in-network and out-of-network providers. You will notice that in-network is almost always the lower cost option. Before you visit a provider, make sure they are in-network to avoid higher costs.
When you go to the doctor, make sure to bring the following items:
- Health plan ID card
- Passport or other valid form of photo identification
- Relevant medical records and list of current medications
Claims and payment
Unsure how claims and payment work for your health plan? Learn what to do during your provider visit and what to expect after it.
In-network provider
If you visit an in-network provider, they will submit your claim for you to us.
Out-of-network provider
If you visit an out-of-network provider, ask how your claim will be filed during your visit. Your provider may ask for payment immediately.
If the provider does not file the claim directly with Aetna Student Health, then you must file the claim by submitting an itemized bill to us right after treatment. There are different claims forms medical, dental, and vision coverage.
You can download the claim forms online, follow the directions on the form, and mail it in. Or you can submit dental and medical claims through your member website for medical and dental claims, and by logging into AetnaVision.com for vision claims.
Your name, ID number from your Aetna® ID card, and school name should be written clearly on all medical bills. Always retain copies for your records.
The plan pays the provider or facility directly based on whether they are in-network or out-of-network. If you paid the provider yourself and are submitting the claim, include proof of payment so the plan can reimburse you appropriately.
Depending on your plan, you may have to pay a copay at the time you receive care.
Once a claim is processed, the plan mails you an Explanation of Benefits (EOB). An EOB is not a bill. It explains how much of the costs have been paid by your health plan and how much you may have to pay.
The provider will then send you a bill for any remaining costs.
Contact us
If you need help understanding your plan, give us a call and we can walk through it together.
Legal notices
Student health insurance plans are insured by Aetna Life Insurance Company. Self-insured plans are funded by the school and administered by Aetna Life Insurance Company. Aetna Student HealthSM is the brand name for products and services provided by Aetna Life Insurance Company and its affiliates (Aetna).
Health benefits and health insurance plans contain exclusions and limitations.