Primary Medical Insurance

While participating in an OSU study-abroad program, your are required to maintain your primary insurance coverage. Following University procedures, you will be automatically enrolled in the OSU Comprehensive Student Health Insurance for each quarter you are studying abroad. If you have other primary medical insurance and do not want to be enrolled in the OSU Comprehensive Student Health Insurance, you can request exemption by logging on to the registrar's website at http://www.ureg.ohio-state.edu/ourweb/online.html [*]. If you have any difficulty, go to the following website for step- by - step instructions on how to waive student health insurance: http://www.shi.osu.edu/faq.asp[*].

Supplemental Medical Insurance

As a participant on an OSU study abroad program, you are automatically enrolled in a supplemental health insurance plan through HTH Worldwide Services. In your OSU acceptance packet, you will receive a description of HTH benefits and covered medical expenses. In addition, you will receive an insurance card prior to your departure. Please carry this insurance card with you at all times while you are overseas.

To learn more about HTH Worldwide benefits and services, log on to:

• www.hthstudents.com[*]

You will need to enter your personal HTH Worldwide ID number, which is on your insurance card.

Your parents can also access information about HTH Worldwide by logging on to:

• www.hthparents.com

If you are in need of non-emergency medical care overseas, first contact your Resident Director or your host institution contact person who can help you locate a medical facility. If you have Internet access, then log on to www.hthstudents.com[*] to locate a physician near you. HTH has already identified and certified physicians who can provide medical care in many study abroad destinations. If you have difficulty locating medical care, contact HTH directly (See Medical Emergencies, the next section of this handbook).

If you seek medical care from a HTH provider, then the cost of your medical care will be paid directly by HTH. There is no deductible and no co-payment or out-of-pocket cost for your medical care. However, you will need to pay for prescription medicine out-of-pocket. Collect all receipts, and submit them along with a completed HTH claim form directly to HTH upon your return to the U.S.

If you receive medical care from a physician who is not a HTH provider, then you will need to pay costs out-of-pocket. Collect receipts for every service provided and then submit the receipts and a completed HTH claim form directly to HTH after you return to the U.S. You are advised to bring a credit card with you for medical emergencies.

Your HTH Worldwide supplemental health insurance is in effect for the duration of your study abroad program only. If you plan personal travel before or after your program, you are advised to obtain health insurance that covers you for medical care while overseas. One option is to obtain an International Student Identity Card (ISIC), which provides international health insurance coverage for travelers.