HTH Worldwide International Medical Coverage Plan Information: Risk Management - Northwestern University

Costs for Students (Undergraduate and Graduate)

  Student Student's Spouse / Partner Student's Child Student's Children
June 1, 2014 to May 31, 2015 $9.05/wk. $24.90/wk. $13.00/wk. $26.00/wk

Costs for Employees (Faculty and Staff)

  Employee Employee's Spouse / Partner Employee's Child Employee's Children
June 1, 2014 to May 31, 2015 $10.95/wk. $30.65/wk. $13.00/wk. $26.00/wk.

Note: A fiancé/fiancée qualify for coverage under the spouse/partner category.


Snapshot of Benefits

For a handy brochure, see NU HTH pamphlet

For a complete list see Benefits Summary Brochure

Travelers with pre-existing health conditions are strongly encouraged to discuss strategies for managing their condition abroad with an HTH Global Health specialist in advance of departure. Global Health specialists are available 24/7 at (610) 254-8771. Tell the operator you are calling about planning for future travel (not seeking immediate, emergency medical assistance).

For more information about managing pre-existing health care needs abroad, see the Study Abroad website.



Additional Specialty Benefits 

Requires approval from HTH before benefit is conferred:

Activity Exclusions 

Illness or injury as a result of participating in any of the following activities will not be covered under this policy:

Monetary Limits – Specialized Benefits 

Specialized Benefits Student or Employee Spouse Child
Maximum for medical expenses during period of coverage $250,000 $250,000 $250,000
Maximum benefit per injury or sickness $250,000 $250,000 $250,000
Deductible (per injury or sickness) $0 $0 $0
Accidental Death up to $10,000 Up to $5,000 Up to $1,000
Repatriation of remains $15,000 $15,000 $15,000
Medical evacuation $250,000 $250,000 $250,000
Bedside benefit* $5,000 $5,000 $5,000

* Reimbursement of airfare and/or accommodation for a family member to travel to the covered person's place of hospital confinement. This benefit requires an expected hospital stay of seven days or more.

Enrollment Confirmation

See Enrollment Procedures for more information. Travelers are required to carry a copy of their HTH Worldwide certificate card (see example) (link to PDF), which can be printed as a PDF upon confirmation of my HTH coverage. This confirmation will come via email within 24 hours of enrollment and requires travelers to create a profile on the HTH Worldwide website.

Accessing Care Abroad

Travelers have two avenues to access care abroad. Students on NU-administered programs (SAO summer programs, GESI/CGE programs or IPD-arranged programs) should report any need for medical care to on-site staff as soon as possible so they can assist in the arrangement of quality care. (Student who wish to arrange their own care are also free to follow the instructions below).

Students on direct enrollment or third-party provider programs as well as Northwestern faculty and staff who need medical care abroad should contact HTH's Global Health Team directly by phone (24/7) at (610) 254-8771 by email at globalhealth@hthtworldwide.com. Callers should be prepared to provide their HTH certificate number, current location (city/country), a description of symptoms (and whether or not they are related to any pre-existing conditions in case referral to a specialist is required), and any relevant contact information.

In the case of a medical emergency, do not send e-mail. Go to the nearest treatment facility and phone HTH as soon as possible.

For non-emergency medical needs, patients are directed to the nearest HTH-affiliated facility so that no out-of-pocket costs are incurred (and there is no deductible). If the patient prefers to see another provider, HTH can inquire with the treatment facility to see if they would be willing to establish a direct-bill relationship. If this is not possible, the patient will need to pay up-front for the care and seek reimbursement from HTH.

In any circumstance, students, faculty or staff can also contact Northwestern University's Director of Global Safety and Security, Julie Anne Friend, via email for questions or assistance regarding routine care, julie.friend@northwestern.edu or via the Northwestern University Police Department for any emergency abroad, (847) 491-2345.

Reimbursement / Notice of Claim

HTH makes every effort to direct travelers to facilities with which they have a direct financial relationship, so that travelers do not incur out-of-pocket costs. However, this is not possible in all locations abroad. If travelers pay up front for care, HTH will reimburse these costs, so long as the patient produces a receipt and completes a claim form. Please be sure to note your HTH Certificate number on the claim form for quicker processing.

Claim forms and receipts must be mailed to HTH within one year of coverage dates:

HTH Worldwide
c/o Claims Reimbursement
One Radnor Corporate Center, Suite 100
Radnor, PA 19087

Phone: (610) 254-8771
Fax: (610) 293-3529

Questions

For more information, contact the Director of Global Safety and Security, Julie Anne Friend via email at julie.friend@northwestern.edu or by phone at (847) 467-3175.