Frequently Asked Questions for Student Health Insurance
Important Terms
Academic HealthPlans, Inc (AHP) – Customer Service/Enrollment
ACE Property & Casualty – Insurance Company
PHCS – PPO - Preferred Provider Network (Medical)
Klais & Company, Inc. – Claims Company
WellCardRx – Pharmacy Network (AHP Plus discount program; no extra cost)
DenteMax – Dental Network (AHP Plus discount program; no extra cost)
Outlook Benefit Solutions – Vision Network (AHP Plus discount program; no extra cost)
Lab and Imaging – AHP Plus discount program; no extra cost
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How do I check whether a doctor accepts the insurance?
How do I check whether a doctor accepts the insurance?
When you call a doctor’s office to check whether that doctor accepts the student health insurance, you must tell the doctor that they are insured through ACE Property & Casualty and that you found them through the PHCS PPO network. (The doctor will not be familiar with “Academic HealthPlans”.)
How does the doctor verify my coverage?
If the doctor needs to verify your coverage under the insurance, ask the doctor to call Academic HealthPlans at 855-247-2273.
How do I search for in-network doctor, hospital, or pharmacy?
You can access Beech Street’s website through AHP’s website, and can search their directory by location or physician name, and then by doctor specialty.
1. Go to www.AHPCare.com/Cardozo
2. Under the Benefits column click “Health Ticket”
3. Click “I am not a member”
4. Click “Find a Doctor or Hospital” or “Find a Pharmacy”
How do I obtain a permanent ID card?
Permanent ID cards will be mailed to the address on file at the Cardozo Registrar’s Office. (Please make sure your information is current; update your information each time it changes.) You should receive your card during the third week of classes. If you need a card before you receive your permanent card, please see below on printing a temporary ID card. If you did not receive a permanent ID card, please call Academic HealthPlans at 855-247-2273. Verify the address that they have on file, and ask them to issue you a new card. ID cards generally take two weeks to process, print, and mail.
How do I print a temporary ID card?
You can print a paper temporary ID card on AHP’s website.
1. Go to www.AHPCare.com/Cardozo
2. Under the Benefits column click “Health Ticket”
3. Click “I am not a member”
4. Click “Plan 1” or “Plan 2” (depending on your level of coverage; you are automatically enrolled in Plan 1 and must elect to upgrade coverage to plan 2.)
5. Print and write your name in the insured slot
How do I submit a waiver request?
Waiver guidelines and instructions are in the Student Health Insurance Memo on ANGEL/Cardozo Community/Health and Wellness/General Medical Healthcare Resources/Student Health Insurance. A copy is also available in the Office of Student Services and Advising, room 1043.
Domestic students can fill out the waiver request online. International students need to download the International Student Waiver form and submit their documentation to Veronica Arredondo at Academic HealthPlans via email, fax, or mail. Her contact information is on the form.
May-entry students do not fill out a new waiver for their first fall semester if they were already waived for the summer. All other students must fill out a new waiver each academic year (in the fall) regardless if they were previously waived.
How do I know what is covered under the insurance plan?
You can see the plan highlights and read the complete plan brochure at the website above. You can also call Academic HealthPlans at 855-247-2273 to find out your coverage. General terms are below.
Students pay: $200 deductible (one time only) + 20% of the bill for in-network services; 60% co-insurance for out-of-network; check the plan brochure for restrictions and/or maximums.
Insurance pays: 80% of the bill, after the $200 one time only deductible, for in-network services up to the $100,000 maximum ($200,000 for plan 2).
The deductible and co-insurance are waived for primary care visits at Beth Israel Health Clinic, but only at the 317 East 17th Street location. (This benefit is not provided at other Beth Israel departments.) The clinic phone number is (212) 420-2882.
If you have pre-existing condition questions, please email Manny Pendola at Academic HealthPlans at pendola@ahpcare.com.
Can I extend my coverage after graduation?
3L students who will be graduating and who are currently covered can extend their coverage for 3 or 6 months after the coverage expires. Please see www.AHPCare.com/Cardozo for coverage renewal options.
What features are on AHP’s website (www.AHPCare.com/Cardozo)?
You can see the plan costs; enroll your spouse and/or dependents; upgrade your coverage; renew your coverage for after graduation; find waiver request information; see the plan highlights; read the complete plan brochure; print a temporary ID card; find in-network providers; find contact information for a 24-hour nurse hotline; get information about insurance while traveling abroad; find claim information; and get more information on the AHP Plus discount programs.
Contact AHP at 855-247-2273 or support@AHPCare.com. You can also contact Ashley Kowal in the Office of Student Services and Advising at (212) 790-0864 or akowal@yu.edu.