Cardinal Care Student Health Insurance (2024)

Cardinal Care Student Health Insurance (1)

Cardinal Care Overview*

* This overview provides highlights of benefit information about Cardinal Care, the Stanford student health insurance plan. The plan documents contain the exact terms and conditions of the Aetna coverage. If there is a discrepancy between the information provided here and the provisions of the plan documents, the plan documents will govern.

Cardinal Care Student Health Insurance (2)

Important Links

Cardinal Care Student Health Insurance

  • Cardinal Care Overview
  • Summary of Benefits
  • Referrals for Specialty Care
  • 2024-2025 Tier 1 Additional Ancillary Service Providers
  • Cost and Coverage Periods

Medical Overview

For medical services, Cardinal Care has two tiers of coverage that allow the member to decide where to seek care, while managing cost.

TierHealth Care ProvidersDetails
Tier 1 Medical CareStanford University Medical Center, Menlo Medical Clinic, and Sutter HealthThe Tier 1 coverage allows students to be seen at Stanford University Medical Center, Menlo Medical Clinic, or Sutter Health. For office visits and most outpatient services (excluding surgery), students pay only a $25 copayment, and Cardinal Care covers the balance. For inpatient care at Stanford Hospital, a $100 annual deductible will apply, along with a $500 copay per admission, after which coverage is at 100%
Tier 2 Medical CareAny Aetna Participating Network ProviderTier 2 coverage allows students to receive care from any Aetna participating network provider. This flexibility can come in especially handy when studying remotely or traveling since Aetna offers coverage locally, nationally, and internationally. When Tier 2 is in effect, Cardinal Care pays 70% of most eligible expenses after you pay a $500 annual deductible. It’s important to follow the directions on your individualized health insurance ID card when accessing health care off campus.

Mental Health Overview

Aetna Student Health administers Cardinal Care’s mental health benefits through a local and national network of mental health clinicians. Students do not need a referral from Vaden Health Center’s Counseling and Psychological Services (CAPS) unit to seek care with an Aetna provider in the community, but may want to contact CAPS for recommendations on community providers who could be a good fit for specific needs. For more information, visit the Aetna Student Health site.

Dental Overview

Aetna PPO Dental administers Cardinal Care’s dental coverage, which includes diagnostic and preventive care at 100% (up to $1,000 annually) when an Aetna PPO dentist is used. Basic restorative services are covered at 80% after a $25 annual deductible when services are provided by a PPO in-network dentist.

Note: Dental benefits are bundled with Cardinal Care’s medical and mental health benefits and are not available separately.

Year-Round, Worldwide Travel Assistance with On Call International*

* This is only a summary of On Call International benefits. Please refer to the Description of Services which can be downloaded at www.aetnastudenthealth.com/stanford for conditions, limitations and exclusions. Medical evacuation and repatriation services must be pre-approved and arranged by On Call International.

Cardinal Care also offers access to comprehensive emergency assistance services provided by On Call International in the event a medical emergency or behavioral health issue occurs for any student traveling more than 100 miles from their primary residence. Some of these services include:

  • Emergency medical evacuation
  • Medically necessary repatriation
  • Medical/behavioral health/dental/ pharmacy/hospital referral
  • Prescription drug replacement assistance

An On Call International member ID card, Description of Services, and brochure can be printed from the Aetna site.

Students enrolled in Cardinal Care can contact On Call International at 1.866.525.1956 (toll free) or at 00.1.603.328.1956.

Cardinal Care Student Health Insurance (3)

Aetna Student Health Features

Secure Member Website

Aetna offers a dedicated, secure member website exclusively for Stanford students enrolled in Cardinal Care. To register for access to the site, go to aetnastudenthealth.com/Stanford, click ‘Your Aetna Member Website’, and follow the prompts for a first time user. You may use your Stanford University ID number (with only one preceding zero) to set up your online account, or you can use your member number that starts with a ‘W’ if you have printed your ID card (see below). Your Aetna member ID is ‘W’ plus 9 digits that Aetna assigns.

Once you’ve registered on the member website, you’ll have access to many tools and resources to help you manage your health plan and improve your health. Use your online account to:

  • View the Stanford student Plan Design and Benefits Summary document
  • Find an urgent care center, doctor or hospital
  • (Re)print your ID card
  • Access health and wellness programs and resources

Personalized Identification Card

Cardinal Care enrollees should keep their personalized Aetna Student Health ID card handy and present it whenever accessing care. This card identifies you as a Cardinal Care member and gives you access to participating providers and pharmacies nationwide. Aetna offers several options for obtaining your ID card:

  • Print a copy online
  • Request a physical card by calling 888.834.4708. (ID cards are not mailed unless directly requested.)
  • Access an image via smartphone with Aetna Mobile

Aetna ID cards are created for BOTH medical/mental health and dental insurance plans.

Aetna Student Health Programs and Discounts

In addition to having access to an extensive nationwide network of providers and pharmacies through Aetna Student Health, members also have access to a robust wellness platform which includes Mindcheck (wellness assessment), 24 Hour Nurseline (telephonic health coaching), fitness, and weight management (Nutrisystem®) discounts, and Maternity programs. Access the wellness programs and learn more.

Aetna Vision Preferred – Vision Insurance Plan

Aetna offers a vision insurance plan that is OUTSIDE of the Cardinal Care package of benefits. Students who wish to explore vision coverage can go tothe Aetna website to review benefits, and learn about cost and enrollment information. This offering is managed by Aetna directly.

  • Enroll the1st to the 20thday of the month: plan is effective the 1st of the next month
  • On or after the 21stof the month: plan is effective the 1st of the following month
Cardinal Care Student Health Insurance (4)
Cardinal Care Student Health Insurance (2024)

FAQs

Is cardinal care included in financial aid? ›

The Financial Aid Office assists undergraduates with demonstrated financial need to cover the cost of Cardinal Care.

Why do most colleges require students to have health insurance coverage? ›

Colleges require students to have health insurance to help them get care while attending college and avoid burdensome debt that could result from unexpected medical emergencies. In addition, some states make health insurance mandatory for all adults.

What does Cardinal Care cover in Stanford? ›

Comprehensive, worldwide coverage, including medical and mental health care, hospitalization, emergency care, and most pharmaceuticals. Tier 1 provider network includes Stanford Hospitals & Clinics, Menlo Medical, and Sutter Health/Palo Alto Medical Foundation.

How do I contact Stanford Cardinal Care? ›

See Cardinal Care Overview and Benefits for information about the plan. Students with questions may contact Vaden's health insurance office at 650-723-2135 or submit a Service Request .

Does Cardinal Health offer tuition reimbursement? ›

Cardinal Health offers a variety of development opportunities for employees, including on-the-job training, formal education and certification programs, and mentoring programs. Employees may also take advantage of Cardinal Health's tuition reimbursement program and leadership development programs.

What does financial aid not cover? ›

Financial aid also does not cover non-necessary items that many students tend to enjoy, such as dorm room decorations and season tickets to the school's football games.

How much does the average college student spend on health insurance? ›

USC, a private university, charges $2,273 a year for its Aetna student health insurance plan. The average for public colleges is $2,712 and $3,540 at private universities, according to a 2022 survey by Beckley's firm, Hodgkins Beckley & Lyon.

What types of insurance is most relevant to college students? ›

Other Insurance Policies for College Students

For most college students, auto, renters' and health insurance are the three most important coverage types – they may even be all the coverage that's needed.

What percentage of college students are without health insurance? ›

Final answer: It is generally observed that about 9 percent of college students lack health insurance. These percentages can change depending on various factors and updated information should be sought if needed.

Who uses Cardinal Health? ›

We serve nearly 90% of U.S. hospitals, more than 60,000 U.S. pharmacies, and more than 10,000 specialty physician offices and clinics.

How does Cardinal Health make money? ›

We are a distributor of pharmaceuticals, a global manufacturer and distributor of medical and laboratory products, and a provider of performance and data solutions for healthcare facilities.

What does Cardinal Health offer? ›

Medical, dental and vision care coverage. Paid time off plan. 401(k) savings plan. Flexible spending accounts.

Is Stanford Health Care the same as Stanford hospital? ›

Although the leadership of Stanford Health Care and Stanford University work in close partnership, the hospital and university are separate legal entities. Stanford Health Care cannot access the university's endowment, nor is the endowment part of the hospital's budget.

What is Stanford Cardinal service? ›

Cardinal Service is a university-wide effort to connect Stanford students with opportunities to serve locally, nationally, and around the world.

What does the cardinal mean for Stanford University? ›

The Stanford Tree is the Stanford Band's mascot and the unofficial mascot of Stanford University. Stanford's team name is "Cardinal", referring to the vivid Stanford Cardinal Red color (not the common songbird as at several other schools), and the university does not have an official mascot.

Does fafsa include medical expenses? ›

This article applies only to the 2023–24 Free Application for Federal Student Aid (FAFSA®) form. Support includes money, housing, food, clothes, medical and dental care, gifts, loans, payment of college costs, etc.

Does financial aid always cover tuition? ›

While we recommend federal aid first, we realize it does not always cover the cost, especially for more expensive schools. Private loans will almost always require a cosigner and may have higher fees or interest rates depending on your credit.

How is Cardinal Health doing financially? ›

DUBLIN, Ohio, Aug. 14, 2024 /PRNewswire/ -- Cardinal Health (NYSE: CAH) today reported fourth quarter fiscal year 2024 revenues of $59.9 billion, an increase of 12% from the prior year. GAAP operating earnings were $401 million and GAAP diluted earnings per share (EPS) were $0.96.

Is Cardinal Health public? ›

Cardinal Health's common stock is listed on the New York Stock Exchange under the ticker symbol "CAH".

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