Student Health Plan has made updates related to the following benefits for the 2024-25 Plan Year:

• Mental Health Benefits
• Coverage while Traveling Internationally
• Fertility Preservation

Mental Health Benefits

The Exclusive Provider Network (EPN) copay has been reduced from $20 to $10 effective August 1, 2024. 

Coverage for initial visits to therapists will be covered at 100%. This benefit enhancement will allow students to assess whether a therapist is the right match for them without incurring out of pocket costs. The SHP Plan document has been updated as follows: 

Learn more about the EPN and access the list of exclusive providers. 

Overview of Coverage while Traveling Internationally

The Student Health Plan has always provided coverage for students traveling internationally, but we wanted to share more information about that coverage with you. You may want to save this information for use in the future. 

The Student Health Plan provides medical and prescription coverage in New Jersey, throughout the U.S., and outside of the U.S. Medical and mental health benefits are administered by Aetna Student Health. Prescription (medication) benefits are administered by Optum Rx. Access your Aetna and Optum Rx ID cards, digitally. 

Aetna Student Health-International Travel

Travel outside of the U.S. is covered at the out-of-network rate after the plan deductible has been met for that given plan year. A deductible is an out-of-pocket amount owed during the plan year for covered health care services before your plan begins to pay at the in-network or out-of-network rate. Under the Student Health Plan, eligible medical expenses are subject to a $200 deductible per plan year. 

After your $200 annual medical deductible has been met, the Student Health Plan will then cover expenses at the 70% out-of-network rate. 

For medical expenses incurred outside of the U.S., you would be responsible for your deductible and the 30% out-of-network coinsurance. The term “coinsurance” refers to your share (for the Student Health Plan, this amount is 30%) of the allowed amount paid to international providers.

How to File an International Claim with Aetna 

To file an electronic claim, follow the instructions for electronic submission.

To mail or fax a claim, use the Aetna Student Health Claim Form and send it directly to Aetna. 

To obtain information about claim status or any other claim information, contact Aetna Member Services at : 1-877-437-6511 (if inside the U.S.) or 1-617-218-8400 (if outside the U.S.), or register an online account with Aetna. 

Optum Rx- International Travel

Prescription medications obtained outside of the U.S. are covered the same level as if they were obtained in the U.S. The prescription plan has a $100 deductible per plan year. Once the deductible has been met, the plan would pay at the copay level.

How to File an International Claim with Optum Rx 

For international claims, you would pay the cost of the medication upfront and then file a claim with Optum Rx for reimbursement of the expense.

Optum Rx Member Services can be reached at: 1-877-615-6319

Fertility Preservation

In the spring we worked on clarifying Plan language related to coverage for Fertility Preservation and confirmed what coverage is available. The SHP Plan document has been updated as follows: 

Contact Us

If you have any questions, please reach out to [email protected].