WHY US?

Our plans start from just 25% of the cost of a comparable university's Student Health Insurance Plan.

Save hundreds or thousands of dollars on coverage.

FREQUENTLY ASKED QUESTIONS

1. Who can enroll?


International students who: - have vaild F1 and J1 visa status, AND - an associate, bachelor, master or Ph.D. or formal university ESL program, and, - are currently registered with no less than 6 credit hours* are eligible and qualified to enroll. The Company maintains its right to investigate student status and attendance records to verify that the policy eligibility requirements have been met. If and whenever the Company discovers that the policy eligibility have not been met, its only obligation is refund of premium. *The six credit hour requirement is waived for summer, if the applicant was enrolled in the Silver, Gold, Platinum, or Diamond Plan as a full-time student in the immediately preceding Spring term.




2. Who is eligible?


International students with F-1 visas who are enrolled in a full-time associate, bachelor, master or Ph.D. degree program, or formal ESL program at a university, who are currently registered with no less than 6 credit hours (unless such schools' full-time status requires less credited hours), and International Visiting Scholars with J-1 visas are eligible to enroll in this insurance plan. The six credit hours requirement is waived for summer, if the applicant was enrolled in this plan as a full-time student in the immediately preceding spring term.

Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the eligibility requirements that the student actively attend classes. The Company maintains its right to investigate Eligibility or student status and attendance records to verify that the policy Eligibility requirements have been met. Valid Visa also required. If the Company discovers that the policy Eligibility requirements have not been met, its only obligation is to refund premium.

Eligible students who do enroll may also insure their Dependents. Eligible Dependents are the spouse (husband or wife) and children under 26 years of age. Dependent eligibility expires concurrently with that of the Insured student.




3. Which plan should I buy?


Students can enroll in any NYWPG Plan posted to the school they are attending. Plan selection depends on your personal preference for coverage and pricing. Take care to read through plan information to ensure that the plan meets minimum requirements set by your school. NYWPG reserves the right to cancel the plan and refund premium to students in all other cases.




4. How to buy NYWPG Health Insurance Plan?


Please read the Policy Brochure available on our website to make sure that the plan you are buying meets your own needs as well as your school requirements.
1. Go to www.psiservice.com/nywpg (home page)
2. Select Your School to Find the Right Plan that meets your university insurance requirements.
3. Fill out our Easy Online Application Form (Other Languages Available: Chinese, Korean, Japanese, Spanish)
4. Make Your Insurance Payment Online with a credit or debit card. You may also pay in cash through any Wells Fargo Bank. For details, see Payment Options.
5. Download/Print the following NYWPG Insurance Documents and submit to your university: Insurance Policy Brochure
Claim Form Confirmation Letter Sales Receipt Waiver/Compliance Form * *If your school has a Waiver/Compliance Form for alternative insurance companies to fill out, and it's not available in your NYWPG account, please email the form to info@nywpg.com.




5. What are my payment options?


To make a payment, you may choose among the available options below:
1. By Card: US or International Card Visa/Mastercard/Discover Card
Under Billing address, please use a US address. 2. By ACH Payment: If you have a US bank account, simply select "ACH Payment" then fill in your Routing Number and Account Number. Your bank information can be found in your bank statement and/or in your Online Banking Account. 3. By Cash payment through Wells Fargo Bank. Fill out a deposit slip with the following info: Account Name : Professional Service, Inc.
Account Number : 2608424731
Amount : Should match the pending balance from their account *Please call or email us once you have made your cash payment so we can activate your account.




6. Can I cancel or change my NYWPG plan?


NYWPG does not allow cancellation of coverage. Cancellation and refund is ONLY allowed if the NYWPG Plan purchased does not meet the school insurance requirements. A letter from the student's school with detailed explanation showing which insurance requirement it does not specifically meet must be received by NYWPG within 30 days of the coverage purchase date.

If you want to change the plan, please contact NYWPG Customer Service at info@nywpg.com.




7. How can I find an in-network doctor?





8. What do I do if I require treatment and I haven't received my insurance ID card?


Even though you may not have received your ID card, you can still seek treatment. Request that the provider contact the appropriate Customer Service number listed on your Confirmation of Coverage Letter for verification of coverage.




9. What do Deductible, Co-Insurance, and Copay mean?


Deductible: The amount to be paid by the insured person before the insurance company begins to pay for covered expenses. The deductible can be once per policy year, per injury/illness, or once per year depending on the insurance policy you purchase. The higher (lower)the deductible, the lower(higher) the premium. Co-Insurance: After paying the deductible, the insurance company shares the rest of the expenses with the insured. For example, you purchase an insurance plan with $500 deductible per policy year, and co-insurance of 80%, and incur a medical expense of $1000. The insurance company will pay you ($1000-$500)*80%=$400. Copay: A predetermined flat fee that the insured pay for health care services, in addition to what the insurance covers. The copay is not included in the deductible.




10. What is an EOB?


Explanation of Benefits is a statement sent by a health insurance company to covered individuals explaining what medical treatments and/or services were paid for on their behalf. EOB is not a bill.




11. How can I get a claim form?


Medical Claim and Prescription Claim forms are available in your NYWPG account when you select "My Insurance".




12. How do I file a claim?


If you visit an In-network Doctor or Hospital and present your Insurance ID Card, they will be able to submit your medical claim on your behalf.

If you visit an Out-of-Network Doctor or Hospital, ask if they can submit claims on your behalf. If they cannot, you will be required to pay for your medical bills during your visit. Afterwards, seek reimbursement by filing a claim. Simply download a Claim Form, Complete, and Sign then include a copy of your ID Card with your medical bills or receipts.

Here are two (2) ways to submit claims:

1) Mail your Claim form and medical receipts to: Global Benefits Group
27422 Portola Parkway, Suite 110
Foothill Ranch, CA 92610
2) Email your Claim form and scanned documents to: Eclaims@gbg.com

Claim Forms must be submitted within 180 days of the date of service.




13. How long will it take to process my claim?


If our claims analyst receives everything needed in order to process your claims, it normally takes up to 30 days for the Claims to be processed.




14. Why was my claim paid partially or was denied?


Whether it is partially paid, pending, or denied, an Explanation of Benefits (EOB) is forwarded to both the insured and the physician or hospital about the action we took. The following items will determine the amount of your out-of-pocket expense when a claim is submitted to our Claims Division:

1) Differences in payment between an In-Network Doctors/Hospitals and Out-of Network Doctors/Hospitals.

2) Circumstances on whether a Deductible or Co-Pay is applied, and the corresponding amounts.

3) The percentage NYWPG will pay according to your Benefits Schedule.

Remember all Claims are paid according to the benefits in your Policy Brochure.




15. Why did I receive a bill in the mail?


Send the bill back to the health care provider and include a copy of your NYWPG ID Card & NYWPG Confirmation Letter.