Rice offers a variety of medical plan options for you to choose from. Information regarding the current cost of medical insurance plans (effective July 1, 2016 through June 30, 2017) can be found here: 2016-2017 Medical Plan Rates. Be sure you understand the language used in health insurance – this Glossary of Health Coverage and Medical Terms may help.
Additionally, here are standardized documents called Summary of Benefits Coverage (SBC) that can help you compare plans both within and outside of Rice:
- Aetna Memorial Hermann ACO
- Aetna Select HMO
- Aetna Consumer Directed Health Plan
- Aetna Choice POS II (Open Access)
All of the Aetna plans are nationally based, meaning you may select and use doctors and facilities throughout the United States. However, if you are enrolled in the Aetna Select HMO and your dependents reside outside of the area they may either choose a PCP in the Aetna network in their area, or may enroll in the out-of-area PPO plan.
If you are enrolled in the Aetna Select HMO plan and your dependent is out of the area and does not have access to Aetna Select HMO network providers, your dependents are eligible for the Out-of-Area (OOA) PPO plan (click on the link for the summary of the plan). Enrollment of a dependent in this plan does not cost you any additional premiums.
The OOA PPO will cover your dependent in Houston and while away, so there is no need to switch back and forth between plans as your dependent comes to Houston to visit.
Be sure to review the Summary of Benefit Coverage, or SBC, for the OOA plan as it is a standardized model for comparison to the HMO and other plans.
Contact a member of the Benefits Team about enrolling a dependent in this plan, if you qualify.
For information on your coverage while traveling outside of the United States, please visit our travel services website, and for a personalized letter explaining how your plan will work while traveling outside the United States, contact the Aetna Concierge at 1-800-905-7670.
For information about how you may qualify for a subsidy of your Rice medical premiums through state Medicaid or CHIP programs, please review this document, or go to http://www.gethipptexas.com/ for information about Texas subsidy programs.
To learn more about other components of your medical plan, please click here.