2021 J-1 Visa Scholars Plan Overview - Drexel University
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2021 J-1 Visa Scholars Plan Overview October 22nd, 2020
I. J-1 Scholar Plan Background
Plan Background
Prior to 2020, J-1 Visa Scholars were offered the same domestic
Independence Blue Cross (IBC) plans as the general population
During the 2019 plan year, it was discovered that the IBC plans met each
United States Department of State requirements except the two bold items
below (Repatriation and Evacuation)
Specific J-1 Visa Holder insurance plan requirements include:
Medical Benefits of at least $100,000
Repatriation of Remains in the amount of $25,000
Medical evacuation expenses in the amount of $50,000
A deductible not to exceed $500
A policy underwritten by an insurance carrier with an A- rating or
above
To fix this, Drexel University implemented a GeoBlue plan for 2020
GeoBlue specializes in International plans and met all of the above
requirements
The GeoBlue feedback was largely negative based on their network, and
out-of-pocket exposure
Drexel University decided to terminate GeoBlue for 2021 and re-implement 3
the IBC plans, along with a separate Repatriation and Evacuation plan
II. Open Enrollment & Eligibility
Eligibility Overview
J-1 Visa Scholars will now have access to all of the same Independence Blue Cross Plans as
the non-J-1 Visa Scholars with the exception of the Consumer Directed Health Plan (CDHP)
J-1 Scholars are not eligible for the CDHP because the plan deductible exceeds $500,
and therefore does not meet the Department of State’s J-1 health insurance
requirement
Drexel University Full-time and Part-time employees are eligible to participate in the benefits
outlined in this presentation
Interns, seasonal and occasional employees are not eligible to participate in the Plans
You may also elect coverage for your eligible dependents with proof of dependency/marital
status. Eligible dependents include:
Your legal spouse
Dependent children up to age 26. Examples include:
• Biological child
• Legally adopted children
• Stepchild
• A child living with you for whom you are appointed the legal guardian by court and
for whom you are financially responsible
J-1 Scholars can waive medical and prescription coverage and are eligible to receive the
University’s medical waiver credit. To waive coverage, Scholars must:
Complete the certification within the online benefits enrollment system confirming that
they are enrolled in an alternative health insurance plan, and
Submit proof of the alternative coverage to Drexel ISSS for review, in order to maintain
their J-1 status at Drexel University
5Open Enrollment – Important Information
Open Enrollment Window: October 23rd to November 15th
Plan effective date: January 1st, 2021
Active Enrollment – J-1 Scholars will be required to proactively enroll in medical coverage
with IBC for the 2021 plan year
If no election is made by November 15th, you will be automatically defaulted into the
Keystone Point of Service plan effective January 1st, 2021 and premiums will be
deducted from your paycheck
Please note the Flexible Spending Accounts (FSA), and Transit/Commuter Account
always require ACTIVE ENROLLMENTS. If you are currently enrolling in any of these
accounts, you are still required to re-enroll for 2021
J-1 Members will receive three new identification cards for: medical, pharmacy, and Allied
World Insurance Company coverages - These cards are expected to arrive prior to Jan 1st
Allied World Insurance provides the medical evacuation and repatriation of remains
coverage required for J-1 Visa plans
During Open Enrollment, you are able to make the following changes:
Change your plan election (this applies for all benefits, including medical, dental,
vision, FSA, etc.)
Change your coverage tier (i.e. Employee, Employee + Spouse, Employee +
Child(ren), or Family coverage)
Add/remove dependents
If you are not currently enrolled and would like to enroll for 2021
If you are currently enrolled in coverage but would like to waive for 2021
Once you have made your elections, you will not be able to change them until the next 6
Open Enrollment period, unless you experience a qualified change in statusHow to Enroll
Step 1: Log In
Members can login through DrexelOne by selecting the Employees tab and then the My Drexel
Benefits link
Step 2: Getting to the Enrollment
Once you log in, you will be taken to the Home page where you can click the orange Enroll Now button
or the white Enroll Now checkmark icon to begin your enrollment
Step 3: Getting Started and Updating Dependents
Before you make your benefit changes, you will be required to Answer/Respond to a few simple
questions that will determine your eligibility.
Add/Review Your Dependents: You will also be able to add new dependents or update dependent
information. As you proceed through the enrollment, the coverage levels you are offered are based on
the number and type of dependents you elect to cover.
Step 4: Making your Choices & Updating Beneficiaries
From the Choices section of the enrollment, you will make your benefit elections. Each page will
display your plan choices and will prompt you for additional information where needed. All deductions
are shown on a per pay basis.
Add/Review Beneficiaries: You will also be able to add new beneficiaries, update beneficiary
information, and assign beneficiary percentages.
Step 5: Enrollment Confirmation
The last page/section in the enrollment is your confirmation statement, which you can print or email.
The site will automatically save a copy for your future reference. If you need to change any of the plan
selections you have made, you can go back into the enrollment and make any additional changes
through the end of your enrollment period. 7III. 2021 Medical/Rx Plan Designs
Medical Provider Network
The Drexel Medical Plans offer a three tier network strategy
Tier 1
Tower Health & University of Pennsylvania
Going to a Tier 1 provider will result in the lowest out-of-pocket
expenses
In-Network
This refers to the Independence Blue Cross (IBC) Provider
Network excluding Tower Health and University of Pennsylvania
• IBC has negotiated competitive rates with these providers
and therefore those negotiated rates are passed on to Drexel
members
Out-of-Network
These providers do not have a direct contractual relationship with
IBC
Going to an Out-of-Network provider will result in the highest out-
of-pocket payments for members
Out-of-Network providers do not have to accept the payment
received and may “balance bill” members
• This can result in significant out-of-pocket expenses 9Medical Coverage Outside U.S
Important things to remember when traveling outside of the United States:
If you are enrolled in the Keystone Point of Service plan, you will only have
coverage in emergency situations when traveling internationally. If you
enroll in this plan, we recommend that you consider purchasing a
traveler’s medical insurance plan for additional coverage
The PPO Basic and High Plans offers Blue Cross Blue Shield Global Core,
which provides coverage for certain non-emergency procedures outside of
the United States
• Members may be requested to submit claim forms for
reimbursement if expenses are incurred outside of the United States
Blue Cross Blue Shield Global Core includes the following resources:
• Hospitals and doctors in approximately 170 countries and territories
around the world.
• Searchable, online provider directory
• Download international claim forms
• Get detailed health reports, including suggested immunizations,
recent outbreaks, health advisories, and food-and-water precautions
• For more information please visit
https://bcbsglobalcore.com/Account/Login
10Medical Plans – Independence Blue Cross
Keystone POS Personal Choice PPO – Basic Personal Choice PPO – High
Out-of- Out-of- Out-of-
Tier 1 In-Network Tier 1 In-Network Tier 1 In-Network
Network Network Network
Referral Needed Yes No No
Employer HSA
N/A N/A N/A
Contribution
Blue Cross Blue Shield Global Core Included. For more Blue Cross Blue Shield Global Core Included. For more
International Coverage Covers Emergency Medical Care Only information on the services covered internationally, information on the services covered internationally,
please call the service center at 1-800-2583 please call the service center at 1-800-2583
$500 $300 $1,000 $500
Deductible** None None None None None
$1,500 $600 $2,000 $1,000
Out-of-Pocket $1,500 $2,000 $3,000 $1,000 $2,000 $3,000 $1,000 $2,000 $3,000
Maximum $3,000 $4,000 $9,000 $2,000 $4,000 $6,000 $2,000 $4,000 $6,000
Preventive Plan Plan Plan
No Charge No Charge No Charge No Charge No Charge No Charge
Services pays 70% pays 70% pays 80%
Plan Plan Plan
PCP Office Visit No Charge $20 Copay No Charge $20 Copay No Charge $15 Copay
pays 70% pays 70% pays 80%
Specialist Office Plan Plan Plan
$10 Copay $40 Copay $10 Copay $30 Copay $10 Copay $25 Copay
Visit pays 70% pays 70% pays 80%
Diagnostic Plan Plan Plan Plan
No Charge $80 Copay No Charge No Charge No Charge
X-Ray/Imaging pays 70% pays 90% pays 70% pays 80%
Plan Plan Plan Plan
Inpatient Hospital No Charge No Charge No Charge No Charge No Charge
pays 70% pays 90% pays 70% pays 80%
Outpatient Plan Plan Plan Plan
No Charge $50 Copay No Charge No Charge No Charge
Surgery pays 70% pays 90% pays 70% pays 80%
Covered at Covered at Covered at
Emergency Room $100 Copay $100 Copay $100 Copay $100 Copay $100 Copay $100 Copay
INN Level INN Level INN Level
Urgent Care Plan Plan Plan
No Charge $35 Copay No Charge $35 Copay No Charge $35 Copay
Center pays 70% pays 70% pays 80%
11Allied World Assurance Company
To complete the plan offering, Drexel University purchased the appropriate coverages for J-1 Scholars
to put the plan offering in compliance
Medical Emergency Evacuation: $50,000
Return of Remains: $25,000
These coverages were purchased through Allied World Assurance Company, an A rated vendor by
A.M. Best
This coverage is in addition to the Medical plans through IBC
Drexel University has covered the cost of this coverage
J-1 Visa Holders will have three cards
Medical Card
Prescription Drug Card
Allied World Card
12Allied World Claims Process
The claims process for the Emergency Evacuation and Repatriation of Remains coverage will be
handled on the backend by the Provider and Allied World
Similar to medical insurance, providers will bill the insurance carrier (Allied World) directly
for both of these services
Example: If a member is at a hospital and must be evacuated to another hospital for a
procedure, the hospital/provider will bill Allied World directly
In the rare event that this does not happen, Claims can be submitted by mail, email, or fax to:
Global Claims Administration, 3195 Linwood Avenue, Suite 201, Cincinnati, OH 45208
Email: Claims@globalunderwriters.com All attachments sent to the claims email must be in
PDF format
Link to claim form: https://globalunderwriters.com/claim-forms/
13Telemedicine – MD Live
MD Live is a national network of U.S. board-certified doctors available
24/7/265 to diagnose, treat, and prescribe medication
Contact MD Live for non-emergency medical conditions such as:
Allergies
Asthma
Acne
Pink eye
Ear infections
Sinus issues
Respiratory infections
Urinary tract infections
Cold and flu symptoms
MD Live is available at no cost to members enrolled in the Keystone POS, or
either of the Personal Choice PPO plans
Contact MD Live at 1.877.764.6605, or visit MDLive.com/ibx
14Prescription Drug Plans – OptumRx
Mail Order Program
Using the mail order program for maintenance medications will save you
money
You can receive up to a 90 day supply (3 months) for the cost of two retail
copays
Retail Prescription Mail Order Prescription
(up to a 30-day supply) (up to a 90-day supply
IN-Network IN-Network
Generic $10 copay $20 copay
Preferred Brand $30 copay $60 copay
Non-Preferred Brand $50 copay $100 copay
15Rx Cost Savings Tips
Research the best cost for you
Promotions at retail chains with pharmacies (like Shoprite, Target and
Walmart) can save you money when you fill your generic prescription
Ask your pharmacist for the full cost of the medication you are
receiving
This will help you understand the benefit the prescription plan is
providing, and help you consider lower cost alternatives
Use the Mail-Order Program
If you have a maintenance medication filled through the mail-order
service, you get one month of prescriptions for free
• Receiving a 90 day supply of your medication will only cost 2 retail
copays
The convenience of your medications being delivered directly to your
home
GoodRx
Shop for lower cost pharmacies using https://connerstrong.goodrx.com or
download GoodRx in the app store
GoodRx allows you search for your prescription drug in your zip code to
determine which pharmacy has the drug at the best price
16Monthly Employee Contributions: Medical and Prescription Drug
Full-time POS PPO Basic PPO High
Employee $116.10 $258.83 $422.52
Employee & Child $262.82 $786.92 $1,055.47
Employee & Children $359.28 $1,208.23 $1,506.57
Employee & Spouse $386.86 $1,222.32 $1,586.27
Employee & Family $522.37 $1,566.26 $2,107.14
Part-time POS PPO Basic PPO High
Employee $174.15 $388.24 $633.77
Employee & Child $394.23 $1,108.38 $1,527.86
Employee & Children $538.92 $1,762.46 $2,007.23
Employee & Spouse $580.30 $1,833.48 $2,286.03
Employee & Family $783.56 $2,349.39 $3,040.26
17Important Contacts
Each of Drexel’s carriers have customer service representatives
available to help answer your benefits related questions
For more information on the full suite of benefits, visit:
https://drexel.edu/hr/benefits/overview/
Plan Carrier/Vendor Phone Number Website
Medical Independence Blue Cross 1.800.ASK.BLUE Ibx.com
Prescription Drug OptumRx 1.855.796.3480 Optumrx.com
BCBS Global BCBS Global Core 800.810.2583 bcbsglobalcore.com
Allied World
Allied World 800.423.8496 Claims@globalunderwriters.com
(Repatriation and Evacuation)
18Disclaimer Conner Strong & Buckelew (CSB) is providing the work product herein in order to assist in the evaluation and analysis of your group benefit plan(s). The work product reflected herein and contained in any exhibits or attachments is based upon data and information supplied by your contracted administrators, carriers, insurers and other vendors engaged in the administration of your plans. In some instances, the data and information may have been supplied by you. As such, CSB cannot warrant the accuracy of said data and information received and used by us in order to produce this analysis. We have evaluated said data and information to the best of our capability and rely upon the representations of your contracted administrators, carriers, insurers and other vendors as to the accuracy of the data and information they have supplied. It is important to note that while our consultants are very familiar with the design, administration and operation of employee benefit plans and the law applicable to those activities, Conner Strong & Buckelew is not a law firm. Therefore, our recommendations should not be construed as, nor are they intended to be, legal advice. You may wish to consult with legal counsel about the issues addressed. The information contained herein is not intended by Conner Strong & Buckelew to be used, and it cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code that may be imposed on the taxpayer. The information contained herein and in any exhibits or attachments is confidential and may not be shared, reproduced or disclosed to any third parties without the express written consent of CSB.
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