[Parentsgroup-list] health insurance

Kari Taylor-Burt karitaylorburt at fas.harvard.edu
Fri Jun 17 14:00:19 EDT 2016


Hi Katie,
I called member services a lot last year when trying to figure out
insurance and providers before the little one came in August. I was told
that ten visits outside of HUHS are covered per year with a $35 copay, but
any visits beyond that wouldn't be covered at all (not sure about
vaccines). Because the ten include any specialist visits and the visits in
the hospital after delivery, ten just wouldn't be enough. This effectively
means you can't use a non-HUHS without a lot of out of pocket expenses. I
wanted to use another provider, but we ended up seeing Carole Browne at
HUHS, and she's fantastic.

It's very possible that there was some miscommunication or I misunderstood,
but that's what I was told. I'm sure it wouldn't hurt to give them another
call. Good luck!

Kari
On Jun 17, 2016 12:02 PM, <parentsgroup-list-request at lists.hcs.harvard.edu>
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Today's Parentsgroup Digest:

Today's Topics:

   1. health insurance (Katie Ericksen Baca)
   2. Re: health insurance (McCabe, Collin)


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Message: 1
Date: Fri, 17 Jun 2016 09:18:37 -0400
From: Katie Ericksen Baca <kbaca at fas.harvard.edu>
To: parentsgroup-list at lists.hcs.harvard.edu
Subject: [Parentsgroup-list] health insurance
Message-ID:
        <CAF5pNGM=f-S=9CVf7JQYPXKtAEfQdy7C_srM2CoDFYkV=XeVnw at mail.gmail.com>
Content-Type: text/plain; charset="utf-8"

Hi all,

Can someone quickly explain how the Harvard health insurance dependent
coverage for babies works? I'm particularly curious about coverage for
vaccines. Based on the link below, it looks like vaccines would *not* be
covered at all if you got them at a non-HUHS provider, even if that
provider was in-network. Is that correct? Also, am I right in thinking that
routine pediatric visits are entirely free if you get them at HUHS but have
a $35 copay if you go somewhere else in-network?

http://hushp.harvard.edu/sites/default/files/downloadable_files/%20Benefits%20Summary.pdf

I'm hoping someone out there finds these health insurance documents easier
to parse than I do!!

Thanks,
katie
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Message: 2
Date: Fri, 17 Jun 2016 09:32:19 -0400
From: "McCabe, Collin" <mccabe at g.harvard.edu>
To: Katie Ericksen Baca <kbaca at fas.harvard.edu>
Cc: parentsgroup-list at lists.hcs.harvard.edu
Subject: Re: [Parentsgroup-list] health insurance
Message-ID:
        <CAKt=1BccYQnUd6-gmG_QFkZuLbOjNhLrM+F72dcXBaYH9_xBsw at mail.gmail.com>
Content-Type: text/plain; charset="utf-8"

Hi Katie,

Having just had a baby about 6 months ago out-of-state with the the little
one being on my HUHS insurance as a dependent, here's our experience: Well
baby visits within network (BCBS) are covered- I think they've been free,
but am not 100% on this (I'll send you an email when I double check), if
not free, they've been $35.  All scheduled vaccines (aside from the autism
vaccine) are covered in full as part of the well baby visits (and in my
cases these have all been at non-HUHS providers).  So no, I haven't had to
pay for any vaccines (yay, insurance!) and my baby has not died of any
vaccine preventable diseases (yay, science!)

Hope this helps,
Collin

[brevity and/or typos courtesy of my phone]
On Jun 17, 2016 09:19, "Katie Ericksen Baca" <kbaca at fas.harvard.edu> wrote:

> Hi all,
>
> Can someone quickly explain how the Harvard health insurance dependent
> coverage for babies works? I'm particularly curious about coverage for
> vaccines. Based on the link below, it looks like vaccines would *not* be
> covered at all if you got them at a non-HUHS provider, even if that
> provider was in-network. Is that correct? Also, am I right in thinking
that
> routine pediatric visits are entirely free if you get them at HUHS but
have
> a $35 copay if you go somewhere else in-network?
>
>
>
http://hushp.harvard.edu/sites/default/files/downloadable_files/%20Benefits%20Summary.pdf
>
> I'm hoping someone out there finds these health insurance documents easier
> to parse than I do!!
>
> Thanks,
> katie
>
> _______________________________________________
> Parentsgroup-list mailing list
> Parentsgroup-list at lists.hcs.harvard.edu
> https://lists.hcs.harvard.edu/mailman/listinfo/parentsgroup-list
>
>
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