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HTH Health Insurance For International Students on F-1 or J-1 Visas Insurance Requirements The purchase of the HTH health insurance coverage is mandatory for all UNCG international students on an F-1 or J-1 visa

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HTH Health Insurance

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hth health insurance

HTH Health Insurance

For International Students on F-1 or J-1 Visas

insurance requirements
Insurance Requirements
  • The purchase of the HTH health insurance coverage is mandatory for all UNCG international students on an F-1 or J-1 visa
  • Exceptions: Students on a Fulbright or government sponsored program and students on exchange through ISEP
  • Do not confuse the HTH health insurance premium with the Student Health Fee (applied to all UNCG degree student accounts registered 9 hours or more)
student health fee
Student Health Fee
  • Gives you access to the services of the UNCG Student Health Center (SHC)
  • Graduate degree-seeking students registered for less than 9 hours will have to request the Student Health Fee
    • At the beginning of each semester
    • Request from the Cashier’s Office
    • Pay the student health fee at time of request
health insurance charges
Health Insurance Charges
  • Fall Semester Coverage: August 1 - December 31
  • Spring/Summer Semester Coverage: January 1- July 31
    • Registered full time (Exception: Degree student’s last semester)
    • Insurance premium is charged to UNCG student accounts twice a year in the fall & spring/summer
    • Fall semester insurance premium: $300
    • Spring & Summer semester insurance premium: $420
uncg student insurance for citizens permanent residents
UNCG Student Insurance for Citizens & Permanent Residents
  • Do not confuse HTH insurance with UNCG’s domestic student insurance provider (currently Pearce & Pearce, Inc.)
  • This insurance is only for domestic UNCG students who are either US citizens or permanent residents
locations for health care
Locations for Health Care
  • First Choice: Student Health Center (SHC) - for sickness or a minor injury
    • The HTH insurance policy waives the $100 co-pay for services provided by SHC
  • Second Choice: Urgent Care Centers - for sickness or a minor injury when SHC is closed
    • Use the internet/phone book for the nearest Urgent Care Center)
  • You must ask for your receipt!!!
locations for health care7
Locations for Health Care
  • For life threatening emergency: Call 911 or go directly to the nearest hospital
  • Student Health Center may refer you to off campus doctors or specialists
  • Please check HTH’s Preferred Provider list at off-campus doctors or specialists
additional information
Additional Information
  • You will not be penalized if you use a doctor or specialist not on the preferred provider list
  • Using doctors from the preferred provider list keeps your costs lower
  • There is no need to consult with the Student Health Center (SHC), if severe health risk is at stake
  • While traveling - go to the nearest emergency hospital
health insurance coverage
Health Insurance Coverage
  • HTH health insurance policy’s co-pay is $100 per sickness or injury (co-pay is waived for services provided only by the SHC
  • Covered expenses will be paid after the co-pay is satisfied
how does hth pay
How Does HTH Pay?
  • Basic Medical Expense Benefit: HTH pays up to $10,000 Maximum: 100% of Reasonable Expenses after Co-pay
  • Supplemental Major Medical Expense Benefit (SMM): After Basic Medical Expense Benefit Maximum has been reached, 80% of Reasonable Expenses will be paid up to an additional 40,000 Maximum
how does hth pay11
How Does HTH Pay?
  • Catastrophic Major Medical Expense Benefit (CMM):After both Basic & Supplemental Benefit Maximums have been reached, 100% Reasonable Expenses up to an additional $100,000 Maximum will be paid
  • Accidental Death & Dismemberment
  • Repatriation & Medical Evacuation
how does hth pay12
How Does HTH Pay?
  • Example 1: You have gone to the nearest hospital for an emergency and your final bill is $1,500
  • You must pay the co-pay: $100($1,500 - $100 = $1,400)
  • Insurance will pay the remaining $1,400 (100% X $1,400) up to the first $10,000
  • This is called the Basic Medical Expense Benefit
how does hth pay13
How Does HTH Pay?
  • Example 2: If you received a hospital bill for $12,000:
    • You would first pay the $100 co-pay ($12,000 - $100 = $11,900)
    • $11,900 - $10,000 (insurance pays100% up to the first $10,000) = $1,900
    • $1,900 X 80% = $1,520 ($1,900 - $1,520 = $380) Insurance pays 80% after $10,000
    • Your final total payment would be $480 ($100(co-pay) + $380 = $480)
insurance card
Insurance Card
  • Emailed to your UNCG email address listed in UNCGenie (please make sure you check your email)
  • UNCGenie is the university’s database and can be accessed from the website at
  • For any address/email address changes during your studies, please update UNCGenie immediately
insurance card15
Insurance Card
  • Your insurance ID card provides you with a Certificate number
  • You will need this Certificate number to file a claim or to access HTH’s student website
  • HTH website:
  • Please register at this website upon receiving your HTH insurance card
hth website www hthstudents com
HTH Website:
  • HTH’s student website provides:
    • Claim forms
    • Local Doctors or hospitals
    • Status of a claim (EOB-evaluation of benefits)
    • Translation of Medical Terms
filing a claim from shc
Filing A Claim from SHC
  • Pay your bill at the Student Health Center
  • You will need to request a receipt!
  • Complete claim forms (HTH website or from IPC)
  • Fill out the claim forms immediately (there is a separate claim form for prescriptions)
  • Usually takes about 4-6 weeks to process your claim
  • Attach a copy of the receipt(s) of payment to the claim form (please include your student ID number on the receipt)
filing a claim from shc18
Filing A Claim from SHC
  • Put your Certificate number on the claim form
  • Please follow instructions carefully & do not forget to sign
  • Note at top of form: Send reimbursement to (your name)
  • Mail to the address given on the back of the claim form (top right on Prescription Claim Form)
  • Keep a copy of your claim form and keep receipts
  • You will receive a reimbursement check from HTH for qualified expenses
withdrawal or transferring
Withdrawal or Transferring
  • Fall Semester – you must notify IPC by the second week of August
  • Spring Semester – you must notify IPC by the second week in January
  • Failure to notify IPC of your withdrawal or transfer by this deadline, may jeopardize any chances of reimbursement
  • First: UsetheStudent Health Center (SHC)
    • Please remember to take a receipt.
  • Then: If SHC is closed and your condition is not life threatening – go to the nearest Urgent Care Center
  • If condition is life threatening:

Call 911 orgo to the nearest Hospital!

hth insurance card
HTH Insurance Card


ipc wishes each student
IPC wishes each student:

A safe and healthy experience

at UNCG!!