Student Medical Insurance Plan HOW TO Guides

In this section we will list how to navigate our new health insurance policy.

HOW-TO: Create an account to check your claims, print a temporary ID card, and many other tasks

Go to www.uhcsr.com/duke.  On that page there is a link to 'Create an Account' on the left navigation bar - click it and follow these steps:

1. Enter your first and last name as well as your date of birth.
2. Enter your e-mail address; or, if you have your ID card, you may enter your SR ID number.
3. Choose an username and password.
4. You should now be logged in.  Remember to log out when you are done.

HOW-TO: Correct the in-network claims errors from your providers

Many providers are incorrectly routing claims to the wrong claims administrator.  Attached is a letter (at the bottom of this page: USCSR_Claim_Submission_info.pdf) that explains how to submit the claim to the correct claims administrator.  If you experience problems from your provider filling an in-network claim, give them this letter; in most cases it will solve the problem.  This happens because we have a United Healthcare StudentResources policy - not a United Healthcare policy.  The StudentResources division is owned by the parent company, and as you have experienced, we all use the same provider network; however, they use completely different and isolated claims administrators.  This is actually good for the providers - the bad press concerning late payment of claims is specific to United Healthcare.  StudentResources claims administrator is actually prompt with payment.  Once providers understand this difference they can route your claim correctly.  Furthermore, providers that are not in-network are more willing to deal with the StudentResources policies because of their superb record with claims payment.

HOW-TO: Add a new dependent

According to state law (most states are similar), you can only add a new dependent to your (the student) policy during open enrollment (approximately Aug. 1st to Sept. 15th) or within 30 days of a qualifying event.  A qualifying event includes, but is not limited to marriage, birth or adoption or an eligible child, or loss health insurance as a result of loss of dependent status.  To add a dependent, you may call Customer Service at 1-800-548-8472 or fill out the dependent enrollment form attached below (2008_DependentEnrollment_v1.pdf).  The rates for adding or removing a dependent for a qualifying event should be dated for the full month that includes your enrollment date.  The forms do not reflect this yet and your best bet will be to call customer service.  If you have any problems, contact dukestudentinsurance@gmail.com.

HOW-TO: Submit a claim for your eyeglasses or contact lenses

United Healthcare StudentResources would like you to simply send in your receipt from your purchase for up to $100 reimbursement from them.  For your convenience, GPSC has a form letter for you to fill out so that you remember all of the information.  Please fill in this MS Word form - please fill out the form (all the gray fields) completely with the exception of the date, that will update automatically.  The letter is attached to this page at the bottom: Eyeglasses_reimbursement_letter.doc.

If you wish to submit a claim for another benefit, such as out-of-network provider or durable medical equipment, you can use the included letter as a template.  The personal information is the same.  Just change the context to explain the charge/purchase and cite the benefit listed in the benefit book (select 2008 policy brochure).

HOW-TO: Use our mail-order prescription benefit and take advantage of a three month supply for the price of two

The first time you use the mail-order service for a drug you will need to send in two forms and the original, signed, prescription form.  It is recommended that if you need to start the drug you obtain the first month at a pharmacy.  Attached below is a file called MedcoForm.pdf that contains the instructions and both forms that you will need to mail or fax to Medco.  Please see the attachment for detailed instructions.

HOW-TO: See a provider in Beaufort, even if there aren't any listed

In case of a true emergency you should not hesitate to seek emergency care - there is no in-network versus out-of-network for emergency departments.  Incidentally, the local hospital, Carteret General Hospital, is in-network. Our contract with UHCSR asserts that if there is no provider within an area that is in-network for your needs, you may see an out-of-network provider for in-network rates.  If you are unsure if this applies to you, contact United Customer Service with your specific needs.  DUML Administration has more information on this.  You may have to pay for services up front, but you will be reimbursed as long as there is no in-network provider in the area.  The claims procedure is outlined in the benefits book.

HOW-TO: Access one of the dental discount plans available to all health insurance participants

We have several discounts available to you - they are part of your health insurance, so you do not need to do anything else to access the discounts.  We suggest printing off the listing from the dentist that you choose to help them process the discount.  You may also be asked for your Duke ID and/or insurance card (gray card) or UHC Health Allies card (white card) that you received at the beginning of the year.  If you cannot locate your UHC cards you can print a new one by going to www.uhcsr.com/duke and going to MyAccount.

As I said, we have several discounts - you can search:

Basix: http://www.basixstudent.com/duke/providers.html
Each dentist has their rates linked to this page so you can compare rates.

UnitedHealth Allies: http://www.sr.unitedhealthallies.com/
Register on the right using the Health Allies card number (white card) that you received in the beginning of the year.  Then search for a participating dentist under "Find a Provider" near the top of the page.  Select Dental, General Dentistry, then the zip code (Duke University is 27708).  This will give you a listing of dentists that give a discount through United.

If you would like to see recommendations for dentists to help you choose between dentists, visit:
http://gpsc.duke.edu/general_discussion/recommendations/dentists.
 

HOW-TO: please comment here and let us know what you would like to know how to do.  Thanks.