Medical Insurance

• Medical Insurance Overview
• What to do if your doctor prescribes medication
• What to do if you receive a medical bill in the mail
• Important Phone Numbers
• Summary of Benefits

Medical Insurance at IEC is $160 per session. Payment is due the first Thursday of a new session. Once students pay the medical insurance fee a medical insurance card will be mailed to their U.S. address within 2-3 weeks. If students need to visit the doctor BEFORE receiving their medical insurance card IEC can provide students with temporary medical cards upon request.

How to Find a Doctor
BE PREPARED!: Making an Appointment and Going to the Doctor
Frequently Asked Medical Insurance Questions

What to do if your doctor prescribes medication

If a doctor prescribes medication to you, you will need to take the prescription to the local pharmacy to have it “filled” and pay for it. When you go to the pharmacy make sure to take the Medco claim form with you. Download here. Medco is the company that processes your prescription claims and then sends you back the money you paid for your medicine.

Read the instructions on the claim form and write in your information. The pharmacist will need to complete the bottom portion. Attached your prescription receipts to the claim form and mail it to the address indicated:

Medco Health Solutions, Inc.
P.O. Box 14711
Lexington, KY 40512

Within a few weeks you should receive reimbursement in the mail for the money you paid for your medicine.

What to do if you receive a medical bill in the mail

If you have provided your medical ID card to the doctor’s office, your doctor will send the bill to the insurance company for payment.

If you have NOT provided your medical ID card to the doctor’s office, your doctor will send the bill to YOU.

• If you get a bill from the doctor’s office you need to make a copy of it, complete a doctor visit claim form, and send the original bill and claim form to Administrative Concepts Inc right away.
  
  Administrative Concepts, Inc.
  994 Old Eagle School Road
  Suite 1005
  Wayne, PA 19087-180
  
  
• REMEMBER! If you go to a hospital you may receive more than one bill. You must send ALL bills to Administrative Concepts Inc.
• Administrative Concepts Inc will send you a response of your bill within 4-6 weeks. If you do not get any response, call them to check on the status and to ensure they received your bill.

Important Phone Numbers

You can receive FREE medical advice from a nurse by calling:

• On Call International 24 hours a day/7 days a week at: (800) 407-7307

You can find an In-Network doctor or a hospital by:

• Calling Humana-Choice Care Network at: (877) 877-0715
• Or visit the Humana-Choice Care Network at : www.choicecarenetwork.com

*You need to make an appointment before you go to a doctor*

If it’s an EMERGENCY, go to the Emergency Room or call 911.

Call Administrative Concepts Inc at 1-866-317-9040 IF:

• You want to check on the status of your bill
• You have a question regarding your insurance benefits

Call Wells Fargo Insurance Services, Inc. at 1-800-853-5899 IF:

• You moved and need to change your address.
• You did not receive your medical ID card and need to request one to be sent to you
• You need help with your bills
• You need to enroll your dependents in the insurance plan

Learn More about Your Medical Insurance Coverage: Download Your Medical Insurance Booklet (.pdf).

Summary of Benefits	In-Network/Out-of-Network
Max Benefit for each condition	$250,000 for students $50,000 for dependents
Deductible for each condition	$50 per Covered Injury or Sickness per policy year
Insurance plan pays	100% In-Network 75% Out-of-Network
Prescriptions	50% of Allowable charges
Emergency Room	100% In-Network 75% Out-of-Network $50 Copay per visit