Plan Information

Refer to the plan brochure for a more comprehensive overview of the Visiting Scholar Plan.

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Medical Treatment and Preferred Provider Networks

Visiting scholars in need of medical treatment should contact Northwestern University Health Service. There is a physician on-call 24 hours at each campus location.

  • Evanston (847) 491-8100
  • Chicago (312) 695-8134

When a scholar is treated at Northwestern University Health Service in Evanston, billing is done directly to the Office of Risk Management with the scholar paying no deductible, coinsurance or copay. Visits to NU Health Service on the Chicago campus are subject to the usual out-of-pocket costs.

Insured dependents, including spouses, domestic partners, and children are not eligible to utilize the Northwestern University Health Services. Dependents in need of medical treatment may visit a physician in the Visiting Scholar Plan network. To identify a physician in the network, conduct a Provider Search at the following website:

In the event of an emergency on either campus, Visiting Scholars and Eligible Dependents should seek treatment at the nearest emergency room.

Out-of-Pocket Costs

All members are required to pay a portion of the cost of service at the time care is received or after a claim has been processed. Under this Plan, members are responsible for the following out-of-pocket costs:

Copay: A flat dollar amount paid by the member that is applied to physician office visits. Copays are due at the time each service is received and represent a small fraction of the total cost of care.

  • $20 per visit

Coinsurance: The percentage of the total expense paid by the member, after the deductible has been applied.

  • 20% for preferred providers
  • 25% for non-preferred providers

Deductible: The amount of covered expenses an individual pays in full each year before the plan pays any benefits. Under this Plan, the deductible applies to inpatient and outpatient services, but is waived for prescriptions.

  • Scholar: $250 per Calendar Year
  • Spouse: $250 per Calendar Year
  • Child: $250 per Calendar Year

Once the $250 deductible is met, the insurance will pay 80% of covered expenses, and the insured is responsible for 20% coinsurance up to an additional $1,000 out of pocket. Once the total of $1,250 is met, the insurance will pay 100% of covered expenses. The copay does not count toward the deductible or coinsurance totals.

Please note: There is no deductible, coinsurance or copay for covered expenses incurred at Northwestern University Health Service in Evanston. Visits to Northwestern University Health Service on the Chicago campus are subject to the usual out-of-pocket costs listed above.

Prescription Drugs

The Plan pays for 50% of prescription costs. Scholars may go to Student Health Center Pharmacy and pay only their 50% (the Plan will be billed for the other 50%). The Student Health Center Pharmacy cannot fill prescriptions for dependents or spouses.

Scholars, spouses and dependents using local pharmacies to fill prescriptions will pay 50% of the cost of their prescription at the time the prescription is filled by providing a copy of your ID card. Scholars will be reimbursed 50% for each prescription fill for each 30 day's supply.

To receive reimbursement for covered prescriptions when you pay the full 100% cost, please mail the pharmacy receipt (not the cash register receipt) and a copy of your Visiting Scholar Plan ID card to:

Benefit Administrative Systems (BAS), LLC
PO Box 2920
Milwaukee, WI 53201-2920

Claims Procedure

Claim forms and medical bills should be mailed to:

Benefit Administrative Systems (BAS), LLC
PO Box 2920
Milwaukee, WI 53201-2920

Please note, your provider should send bills directly to BAS electronically.

ID Cards

The Office of Risk Management will send the scholar's hosting department an ID card following processing of the Visiting Scholar Plan Application. Individual ID cards will be created for the scholar and the scholar's spouse and dependents, if applicable.

Please note that ID cards will be issued as soon as possible. If you need medical attention before the ID card is received, benefits will be payable according to the Policy. You do not need an ID card to be eligible to receive benefits.

Rates (effective January 1, 2015 – December 31, 2015)

  • Individual coverage: $45 per week
  • Family coverage: $150 per week


Refer to the plan brochure found at the top of this page for a comprehensive list of excluded charges and expenses. A summary of such exclusions is noted below:

  • Elective, cosmetic or reconstructive surgery
  • Treatment in scholar's home country
  • Dental work, unless for an injury to natural teeth
  • Hearing Aids and Glasses
  • Act of war or related injury.