PRESENTATION:PRESENTATION:

MANDATORY HEALTH MANDATORY HEALTH INSURANCEINSURANCE

FOR INTERNATIONALFOR INTERNATIONALF-1, F-2, AND J-1F-1, F-2, AND J-1

STUDENTS STUDENTS

WHY MUST I HAVE A HEALTH WHY MUST I HAVE A HEALTH INSURANCE PLAN?INSURANCE PLAN?

UNITED STATES FEDERAL LAW UNITED STATES FEDERAL LAW REQUIRES YOU HAVE INSURANCE REQUIRES YOU HAVE INSURANCE WHILE YOU ARE UNDER OUR WHILE YOU ARE UNDER OUR SPONSORSHIP. SPONSORSHIP.

HEALTH INSURANCE IS HEALTH INSURANCE IS ABSOLUTELY NECESSARY IN THE ABSOLUTELY NECESSARY IN THE U.S., ESPECIALLY ON LONG U.S., ESPECIALLY ON LONG ISLAND, SINCE MEDICAL COSTS ISLAND, SINCE MEDICAL COSTS ARE VERY HGH.ARE VERY HGH.

YOU MAY HAVE ANOTHER PLAN, YOU MAY HAVE ANOTHER PLAN, BUT OURS IS MANDATORY WHILE BUT OURS IS MANDATORY WHILE YOU ARE A STUDENT HERE.YOU ARE A STUDENT HERE.

WHAT IS INSURANCE WHAT IS INSURANCE ??

IT IS A CONTRACT YOU AND A COMPANY MAKE, IT IS A CONTRACT YOU AND A COMPANY MAKE, WHICH ASSURES THEY WILL PAY FOR CERTAIN WHICH ASSURES THEY WILL PAY FOR CERTAIN MEDICAL EXPENSES YOU MAY HAVE.MEDICAL EXPENSES YOU MAY HAVE.

THEY TAKE THE RISK—YOU DON’T !THEY TAKE THE RISK—YOU DON’T ! THE CONTRACT STATES WHAT THE INSURANCE THE CONTRACT STATES WHAT THE INSURANCE

COMPANY WILLPAY FOR YOU.COMPANY WILLPAY FOR YOU. HEALTH INSURANCE IS PURCHASED WHILE YOU HEALTH INSURANCE IS PURCHASED WHILE YOU

ARE ARE HEALTHY.HEALTHY. JUST AS CAR INSURANCE IS ALWAYS JUST AS CAR INSURANCE IS ALWAYS

PURCHASED BEFORE YOU HAVE THE PURCHASED BEFORE YOU HAVE THE ACCIDENT!ACCIDENT!

OK, SO HOW MUCH AM I PAYING AND WHAT DO I GET?

•THE COST OF THE SPRING 2011 INSURANCE IS $636, INCLUDING MEDEX.

•THIS WILL BE POSTED TO YOUR SOLAR ACCOUNT AS SOON AS YOU REGISTER FOR CLASSES.

•THIS INSURANCE PLAN WILL PROVIDE HEALTH INSURANCE BENEFITS FOR YOU, JANUARY 15, 2011 THROUGH

AUGUST 14, 2011.

•ALL OF YOUR NECESSARY MEDICAL BILLS WILL BE PAID AT 100% BY HTH.

MANDATORY HEALTH INSURANCE What are the benefits?

ALL ILLNESSES AND ACCIDENTS ARE COVERED:

1. MEDICALLY NECESSARY INPATIENT HOSPITAL CARE IS PAID BY HTH, INCLUDING FEES FOR ROOM AND BOARD, DIAGNOSTIC TESTING, SURGERY, MEDICINE, AND MORE.

2. MEDICALLY NECESSARY OUTPATIENT CARE IS PAID BY HTH INCLUDING:– DOCTOR VISITS– EMERGENCY ROOM– DIAGNOSTIC TESTS– X RAYS, SONOGRAMS, ETC.– HIGH COST PROCEDURES– SURGERY– MENTAL HEALTH COUNSELING– MEDICINES,– AND MORE

THE MANDATORY PLAN DOES NOTPAY FOR DENTAL PROBLEMS LIKE X-RAYS, FILLINGS,

EXTRACTIONS, ETC.IT ALSO DOES NOT PAY FOR VISION (EYE) EXAMS,

EYEGLASSES, OR CONTACT LENSES

HOWEVER, YOU MAY VOLUNTARILY ENROLL IN A DISCOUNT PLAN

FOR VISION EXAMS, EYEGLASSES AND CONTACT LENSES, AND A SEPARATE DENTAL DISCOUNT PLAN.

GO TO : www.aetnastudenthealth.comEnter STONY BROOK, and look for DISCOUNT PLANS

You may enroll on-line.

YOU DIDN’T MENTION DENTAL WORK OR EYE EXAMS

SPRING INSURANCE COVERAGE SPRING INSURANCE COVERAGE ENDS ENDS

AUGUST 14AUGUST 14 Although your academic work ends in MAY, we Although your academic work ends in MAY, we

are required to keep you enrolled in the are required to keep you enrolled in the international health insurance plan through the international health insurance plan through the middle of August. middle of August.

if you leave the U.S. briefly (such as visiting your if you leave the U.S. briefly (such as visiting your home country or anywhere else during the winter, home country or anywhere else during the winter, spring or summer breaks), you will remain on our spring or summer breaks), you will remain on our health insurance plan.health insurance plan.

WHAT IF I AM A WHAT IF I AM A

TA, GA OR RA TA, GA OR RA ??•REMEMBER that FIRST you will be automatically billed for the

Mandatory Health Insurance as soon as you register for classes EACH SEMESTER!

•If you enroll in either the TA, GA, or RA insurance plan, we will remove the charges for the mandatory insurance plan in March.

•HOWEVER, because you may not have an assistantship all the time you are here, you may remain on the mandatory health

insurance plan during certain semesters. Please listen to the entire orientation!

WHAT IF I HAVE A SPOUSE WHO IS A TA or GA or RA at Stony Brook and I have health

INSURANCE THROUGH him or her?

1. You must enroll as a dependent on either the TA, GA, or RA insurance plan at the health insurance office.

2. You must also apply at the same office for a waiver of the mandatory insurance plan by February 14, and submit the proofs we specify on the instruction form. We will waive your mandatory insurance only once during a semester.

3. if your spouse loses the TA, GA, or RA insurance, then you and your spouse will both be billed for the mandatory plan.

HOW DO I ADD DEPENDENTS TO MY HOW DO I ADD DEPENDENTS TO MY MANDATORY INSURANCE PLAN ?MANDATORY INSURANCE PLAN ?

TO INSURE DEPENDENTS YOU MUST:

• GET AN APPLICATION FROM THE HEALTH INSURANCE OFFICE.

•COMPLETE THE FORM, AND SEND IT TO THE INSURANCE COMPANY WITH YOUR CHECK OR MONEY ORDER.

YOU MUST ENROLL YOUR DEPENDENT WITHIN 30 DAYS OF HIS/HER ARRIVAL IN THE U.S., OR WITHIN 30 DAYS OF YOUR MARRIAGE , OR THE BIRTH OF A CHILD, OR WITHIN 30 DAYS OF THE TERMINATION OF OTHER INSURANCE.

USING YOUR INSURANCE PLAN USING YOUR INSURANCE PLAN WISELY WISELY

THE STUDENT HEALTH SERVICE (INFIRMARY) SHOULD THE STUDENT HEALTH SERVICE (INFIRMARY) SHOULD ALWAYS BE YOUR FIRST STOP WHEN YOU ARE SICK ALWAYS BE YOUR FIRST STOP WHEN YOU ARE SICK OR HAVE AN INJURY. OR HAVE AN INJURY.

IT IS ON THE WEST CAMPUS ACROSS FROM THE ‘H’ IT IS ON THE WEST CAMPUS ACROSS FROM THE ‘H’ AND MENDELSOHN QUADS.AND MENDELSOHN QUADS.

PHONE NUMBER IS 631.632.6740.PHONE NUMBER IS 631.632.6740.

FOR STUDENTS ONLY; NO DEPENDENTSFOR STUDENTS ONLY; NO DEPENDENTS

USING YOUR INSURANCE PLAN WISELY, USING YOUR INSURANCE PLAN WISELY, CONTINUEDCONTINUED

ALL STUDENTS MUST PAY AN INFIRMARY ALL STUDENTS MUST PAY AN INFIRMARY FEE EACH SEMESTER. THE SPRING 2011 FEE FEE EACH SEMESTER. THE SPRING 2011 FEE IS $138.50. IS $138.50.

THE INFIRMARY FEE PAYS FOR MEDICAL THE INFIRMARY FEE PAYS FOR MEDICAL CARE CARE ONLYONLY AT THE CAMPUS INFIRMARY. AT THE CAMPUS INFIRMARY.(NOT AT UNIVERSITY HOSPITAL).(NOT AT UNIVERSITY HOSPITAL).

YOUR MANDATORY HEALTH INSURANCE YOUR MANDATORY HEALTH INSURANCE PLAN WILL START PAYING YOUR NECESSARY PLAN WILL START PAYING YOUR NECESSARY MEDICAL BILLS AFTER YOU USE THE MEDICAL BILLS AFTER YOU USE THE INFIRMARY. THE $50 PLAN DEDUCTIBLE INFIRMARY. THE $50 PLAN DEDUCTIBLE WILL BE WAIVED IF YOU USE THE WILL BE WAIVED IF YOU USE THE INFIRMARY FIRST.INFIRMARY FIRST.

USING THE EMERGENCY ROOM (ER)USING THE EMERGENCY ROOM (ER)

IN THE U.S. THE EMERGENCY ROOM (ER) IS IN THE U.S. THE EMERGENCY ROOM (ER) IS THE PLACE TO GO THE PLACE TO GO IF YOU HAVE A LIFE- IF YOU HAVE A LIFE-THREATENING PROBLEMTHREATENING PROBLEM (such as chest (such as chest pain, a broken bone, problems breathing, pain, a broken bone, problems breathing, or bleeding that cannot be stopped). or bleeding that cannot be stopped).

No matter where you are, if you are NOT No matter where you are, if you are NOT SURE if you have a true emergency, go to SURE if you have a true emergency, go to the closest emergency room, and visit our the closest emergency room, and visit our office when you feel better so we can help office when you feel better so we can help you with your claim.you with your claim.

If you are SURE you DO NOT HAVE a true If you are SURE you DO NOT HAVE a true emergency, then go to the west campus emergency, then go to the west campus Infirmary first, and follow the nurse or Infirmary first, and follow the nurse or doctor’s recommendations. If you are away doctor’s recommendations. If you are away from campus and have a bad cold you may from campus and have a bad cold you may go to a walk-in or urgent care clinic. In this go to a walk-in or urgent care clinic. In this situation you will pay the first $50of your situation you will pay the first $50of your medical bill.medical bill.

MEDICAL CARE IN THE U.SMEDICAL CARE IN THE U.S.. We have some of the best medical professionals in the We have some of the best medical professionals in the

world.world. Physicians either have a private “practice” of their own, Physicians either have a private “practice” of their own,

or join up with other physicians in a larger “practice”, or or join up with other physicians in a larger “practice”, or see patients at a hospital office.see patients at a hospital office.

Some physicians offer “family medicine” or a “general Some physicians offer “family medicine” or a “general practice”; some are specialists in specific diseases such practice”; some are specialists in specific diseases such as “internists”, who specialize in many medical as “internists”, who specialize in many medical problems, including digestive problems. A physician who problems, including digestive problems. A physician who has a State license to practice medicine, and is also an has a State license to practice medicine, and is also an “acupuncturist” is covered by our plan.“acupuncturist” is covered by our plan.

More…

Expect to be charged a minimum of $100 for a physician office visit. If you consult a specialist, the cost could be $250 or more for an initial visit, depending on the specialty and what the physician provides.

The international insurance plan will pay in full for these costs ONLY if you have been seen by a physician in the Infirmary first.

If you consult a physician in a hospital setting, you will receive a bill from the hospital, as well as a bill from the physician, for the professional analysis of any diagnostic tests or x-rays that are done.

WHAT DOCTORS CAN I USE WHAT DOCTORS CAN I USE WITH THE MANDATORY PLANWITH THE MANDATORY PLAN??

Our insurance company has made an agreement Our insurance company has made an agreement with a “preferred provider organization” (PPO) with a “preferred provider organization” (PPO) called called AetnaAetna. There are many doctors and other . There are many doctors and other medical providers associated with this PPO. Try to medical providers associated with this PPO. Try to use these medical providers, since they usually use these medical providers, since they usually charge less for their services, and usually you will charge less for their services, and usually you will not owe them anything after HTH pays your bill. not owe them anything after HTH pays your bill.

Locate these providers before you make a medical Locate these providers before you make a medical appointment :appointment :

www.aetnastudenthealth.com (enter Stony Brook, then (enter Stony Brook, then look for Docfind, and then ‘open choice PPO’)look for Docfind, and then ‘open choice PPO’)..

HOW DO I GET THE INSURANCE HOW DO I GET THE INSURANCE COMPANY TO PAY MY MEDICAL BILLSCOMPANY TO PAY MY MEDICAL BILLS? ?

SHOW YOUR HTH INSURANCE ID CARD TO THE SHOW YOUR HTH INSURANCE ID CARD TO THE BILLER AT THE HOSPITAL OR DOCTOR’S BILLER AT THE HOSPITAL OR DOCTOR’S OFFICE. TELL THE BILLER THAT YOUR PLAN OFFICE. TELL THE BILLER THAT YOUR PLAN USES AETNA OPEN CHOICE PPO.USES AETNA OPEN CHOICE PPO.

ASK THE BILLER TO SEND AN ITEMIZED BILL TO ASK THE BILLER TO SEND AN ITEMIZED BILL TO HTH—THE ADDRESS IS ON YOUR HTH ID CARD.HTH—THE ADDRESS IS ON YOUR HTH ID CARD.

OR THEY CAN SEND AN ELECTRONIC BILL TO OR THEY CAN SEND AN ELECTRONIC BILL TO PAYOR # 60054PAYOR # 60054

LABORATORIES MAY SEND THE BILL DIRECTLY LABORATORIES MAY SEND THE BILL DIRECTLY TO YOU. TO YOU.

IF YOU RECEIVE A MEDICAL BILL BRING IT TO IF YOU RECEIVE A MEDICAL BILL BRING IT TO OUR OFFICE RIGHT AWAY AND WE WILL HELP OUR OFFICE RIGHT AWAY AND WE WILL HELP YOU COMPLETE A CLAIM FORM.YOU COMPLETE A CLAIM FORM.

BASED ON THIS MATERIAL, THE INSURANCE BASED ON THIS MATERIAL, THE INSURANCE COMPANY WILL PAY YOUR BILL AND INFORM COMPANY WILL PAY YOUR BILL AND INFORM YOU OF THEIR ACTIONS.YOU OF THEIR ACTIONS.

PRESCRIPTION MEDICINESPRESCRIPTION MEDICINES

If you consult with a physician at the Infirmary, If you consult with a physician at the Infirmary, and receive a written prescription, you may fill it and receive a written prescription, you may fill it at the Infirmary pharmacy. The full cost of the at the Infirmary pharmacy. The full cost of the medicine will be billed to your University account.medicine will be billed to your University account.

You must pay your pharmacy bill at the Bursar in You must pay your pharmacy bill at the Bursar in the Administration Building.the Administration Building.

You MUST then complete an HTH claim form, and You MUST then complete an HTH claim form, and send the claim form and the full pharmacy receipt send the claim form and the full pharmacy receipt (including the names of the physician and (including the names of the physician and medicine) to HTH. medicine) to HTH.

Within four weeks HTH will send the full Within four weeks HTH will send the full reimbursement to you.reimbursement to you.

MEDICINES, ContinuedMEDICINES, Continued If you see a physician outside the Infirmary, and If you see a physician outside the Infirmary, and

he gives you a written prescription, you cannot he gives you a written prescription, you cannot bring it to the Infirmary to be filled. Instead, you bring it to the Infirmary to be filled. Instead, you must take it to an outside pharmacy. You will must take it to an outside pharmacy. You will need to show your HTH ID card, and pay $20 need to show your HTH ID card, and pay $20 (called a co-pay)before you can pick up the (called a co-pay)before you can pick up the medicine.medicine.

In addition, the Infirmary pharmacy does not carry In addition, the Infirmary pharmacy does not carry every medicine that students require; there may every medicine that students require; there may be times that you must bring the prescription to a be times that you must bring the prescription to a pharmacy outside the Infirmary.pharmacy outside the Infirmary.

In this case, as explained above, you must pay a In this case, as explained above, you must pay a co-pay at that pharmacy before you can pick up co-pay at that pharmacy before you can pick up the medicine.the medicine.

WHAT ABOUT CAR ACCIDENTSWHAT ABOUT CAR ACCIDENTS?? If you are involved in a car accident, even as a pedestrian If you are involved in a car accident, even as a pedestrian

or cyclist, call “911” or ask someone to do this.or cyclist, call “911” or ask someone to do this. When the police arrive, show them your car registration When the police arrive, show them your car registration

(if you were driving), driving license, and insurance card.(if you were driving), driving license, and insurance card. If another driver is involved, share your license, If another driver is involved, share your license,

registration, and insurance card information with that registration, and insurance card information with that person.person.

If you are injured, you should go to the nearest hospital If you are injured, you should go to the nearest hospital emergency room, show them your health insurance card, emergency room, show them your health insurance card, and follow their medical recommendations.and follow their medical recommendations.

If you have car, body, or property damage, you must If you have car, body, or property damage, you must contact your car insurance company as soon as possible.contact your car insurance company as soon as possible.

FOR GAs, TAs, AND RAs FOR GAs, TAs, AND RAs You must complete an enrollment form in You must complete an enrollment form in

the Health Insurance Office, within 30 the Health Insurance Office, within 30 days of your appointment.days of your appointment.

You must bring with you for each enrollee: You must bring with you for each enrollee: • A copy of a birth certificate or passportA copy of a birth certificate or passport

ANDAND• A copy of a Social Security card A copy of a Social Security card

AND AND • A copy of your marriage certificate, if you are A copy of your marriage certificate, if you are

enrolling your spouse enrolling your spouse

WHAT IF MY DEPARTMENT IS SLOW GETTING WHAT IF MY DEPARTMENT IS SLOW GETTING MY RA MATERIALS TO PAYROLL?MY RA MATERIALS TO PAYROLL?

We have a cut-off date for enrollments in the RA We have a cut-off date for enrollments in the RA health insurance plan.health insurance plan.

If your paper work is received late—after March 16—If your paper work is received late—after March 16—you will remain covered by the mandatory health you will remain covered by the mandatory health insurance, and you must pay for it.insurance, and you must pay for it.

If you wish, you may discuss this additional cost with If you wish, you may discuss this additional cost with your academic department.your academic department.

MORE MORE If there is any gap (even of one day) between the ending date If there is any gap (even of one day) between the ending date

of your TA or GA or RA health insurance coverage, and the of your TA or GA or RA health insurance coverage, and the extension date of your insurance, extension date of your insurance, your University account will your University account will be billed for the International Health Insurance for at least be billed for the International Health Insurance for at least one month.one month. For example, if your assistantship ends March 20, For example, if your assistantship ends March 20, and a new or extended assistantship begins April 1, we must and a new or extended assistantship begins April 1, we must charge you for one full month of International Health charge you for one full month of International Health Insurance.Insurance.

If your TA, GA, or RA insurance ends at any time, and is not If your TA, GA, or RA insurance ends at any time, and is not extended, your University account will be billed for the extended, your University account will be billed for the mandatory International Health Insurance for the remainder of mandatory International Health Insurance for the remainder of the semester (through August 14).the semester (through August 14).

Even if you are enrolled in the TA, GA, or RA insurance plan Even if you are enrolled in the TA, GA, or RA insurance plan you will still be billed separately for MEDEX ( Spring 2011 cost you will still be billed separately for MEDEX ( Spring 2011 cost is $43.75). This special plan ensures you will be returned to is $43.75). This special plan ensures you will be returned to your home country if you are extremely ill and need medical your home country if you are extremely ill and need medical transport.transport.

J-1 AND J-2 WITH ASSISTANTSHIPS

YOU ARE NOT ELIGIBLE FOR THE TA, GA OR RA INSURANCE PLANS.

However, we will enroll you in the mandatory International Health Insurance at a discounted rate, which is $59 for Spring 2011. The cost of MEDEX ($43.75) is additional to this. All TAs, GAs, and RAs must have insurance and MEDEX coverage.

If your assistantship ends before August 14, you will be billed for the mandatory insurance at the full rate of $84.75 for every month you do not have an academic appointment and no TA,GA, or RA insurance coverage. The cost of MEDEX, as indicated above, is additional to this fee.

FOR ALL GRADUATE STUDENTSFOR ALL GRADUATE STUDENTS If you become a University employee and are If you become a University employee and are

offered University employee insurance (e.g. as an offered University employee insurance (e.g. as an adjunct professor), you are no longer a TA, GA, or adjunct professor), you are no longer a TA, GA, or RA! RA! YOU MUST INFORM US WITHIN 30 DAYS OF YOU MUST INFORM US WITHIN 30 DAYS OF YOUR NEW APPOINTMENT DATE IF YOU HAVE YOUR NEW APPOINTMENT DATE IF YOU HAVE OTHER INSURANCE IN EFFECT, AND WISH TO FILE OTHER INSURANCE IN EFFECT, AND WISH TO FILE A WAIVER APPLICATION.A WAIVER APPLICATION. Otherwise, we will Otherwise, we will charge you for the International Health Insurance charge you for the International Health Insurance for the entire semester, even though you may for the entire semester, even though you may already have insurance coverage as an adjunct. already have insurance coverage as an adjunct.

MORE FOR ALL GRAD STUDENTSMORE FOR ALL GRAD STUDENTS……

If you register for classes, but will study or do If you register for classes, but will study or do research in your research in your home country home country for the entire for the entire semester, you MUST inform our office. We will semester, you MUST inform our office. We will verify this information with your academic verify this information with your academic department, and then remove the mandatory department, and then remove the mandatory SUNY insurance fee from your University account. SUNY insurance fee from your University account. You must discuss this with us by February 14, You must discuss this with us by February 14, 2011.2011.

PRACTICAL TRAINING PRACTICAL TRAINING PARTICIPANTS (OPTPARTICIPANTS (OPT))

If you graduate from Stony Brook in May, and are If you graduate from Stony Brook in May, and are offered practical training, offered practical training, you will remain on our you will remain on our insurance plan through the end of the semester insurance plan through the end of the semester (August 14 ).(August 14 ).

The International Health Insurance is NOT The International Health Insurance is NOT mandatory for you mandatory for you after August 14after August 14..

We do recommend you enroll in an insurance plan We do recommend you enroll in an insurance plan during your OPT. The International Insurance during your OPT. The International Insurance plan is available to you for up to a year after plan is available to you for up to a year after graduation, and is very reasonably priced. Please graduation, and is very reasonably priced. Please come to the Health Insurance Office to discuss come to the Health Insurance Office to discuss this.this.

THINGS TO REMEMBERTHINGS TO REMEMBER

We want to communicate with you. We want to communicate with you. SO PLEASE DO THE FOLLOWING:SO PLEASE DO THE FOLLOWING:

1. 1. CHANGE OF ADDRESSCHANGE OF ADDRESS—update your —update your “preferred” mailing address via your SOLAR “preferred” mailing address via your SOLAR account, or report this to the Registrar/Records account, or report this to the Registrar/Records Office in the Administration BuildingOffice in the Administration Building

2. UPDATE YOUR ADDRESS 2. UPDATE YOUR ADDRESS on the HTH WEBSITE on the HTH WEBSITE ((www.hthstudents.com))

3. 3. CHANGE OF IMMIGRATION STATUSCHANGE OF IMMIGRATION STATUS (such as J- (such as J-1 to F-1, or F-1 to H-1, or approval of 1 to F-1, or F-1 to H-1, or approval of permanent United States residency)—report this permanent United States residency)—report this to the Office of Visa and Immigration Services in to the Office of Visa and Immigration Services in the Computer Science Building.the Computer Science Building.

IMPORTANT NUMBERSIMPORTANT NUMBERS INFIRMARY----------------------631.632.6740 INFIRMARY----------------------631.632.6740

OPEN by appointment, M-F, 8am-5:30pm;Tuesdays to 7:30pm OPEN by appointment, M-F, 8am-5:30pm;Tuesdays to 7:30pm ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

HEALTH INSURANCE OFFICEHEALTH INSURANCE OFFICE OPEN M-F, 9 am-4:15 pmOPEN M-F, 9 am-4:15 pm

INTERNATIONAL: INTERNATIONAL: leta.edelson@stonybrook.edu 631.632.6054; 632.6376631.632.6054; 632.6376

TA/GA/RAs: TA/GA/RAs: edmond. edmond.anderson@stonybrook.edu 631.632.6144 631.632.6144

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

HEALTH INSURANCE COMPANY (HTH) HEALTH INSURANCE COMPANY (HTH) 1.888.350.20021.888.350.2002

WEB-SITE: WEB-SITE: http://www.hthstudents.com or or http://www.customerservice@hthworldwide.comhttp://www.customerservice@hthworldwide.com

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