Cardinal Care Health Net
- Introduction to Cardinal Care Health Net
- What is Cardinal Care Health Net?
- Benefits of Cardinal Care Health Net
- Who is eligible for Cardinal Care Health Net?
- How to enroll in Cardinal Care Health Net?
- Plan options available in Cardinal Care Health Net
- Range of healthcare services covered by Cardinal Care Health Net
- Provider network of Cardinal Care Health Net
- Costs and premiums of Cardinal Care Health Net
- FAQs about Cardinal Care Health Net
Introduction to Cardinal Care Health Net
Cardinal Care Health Net is a health insurance provider that offers comprehensive coverage to Stanford University students and their dependents. The plan is designed to provide affordable and convenient healthcare services to the university community. It is also compliant with the Affordable Care Act (ACA) regulations, ensuring that it meets all the necessary standards for quality healthcare coverage.
What is Cardinal Care Health Net?
Cardinal Care Health Net is a healthcare plan that provides coverage for medical, prescription drug, mental health, and vision services. The plan is available to eligible students and their dependents at Stanford University. It offers a range of plan options, including Basic, Intermediate, and Premier plans, each with varying levels of coverage and costs. Cardinal Care Health Net is administered by Health Net, a subsidiary of Centene Corporation, which is one of the largest healthcare providers in the United States.
Benefits of Cardinal Care Health Net
One of the key benefits of Cardinal Care Health Net is its comprehensive coverage, which includes preventive care, emergency services, and prescription drugs. The plan also covers mental health and substance abuse treatment, as well as maternity care. Additionally, Cardinal Care Health Net offers a broad network of healthcare providers, ensuring that students can access quality healthcare services both on and off-campus. The plan also provides access to Teladoc, a telemedicine service that allows students to consult with doctors remotely.
Who is eligible for Cardinal Care Health Net?
All registered students at Stanford University are eligible for Cardinal Care Health Net, as well as their spouses/domestic partners and dependents. Students who are enrolled in less than 8 units or who are on a leave of absence are not eligible for the plan. International students are automatically enrolled in the plan unless they waive it by providing proof of comparable coverage.
How to enroll in Cardinal Care Health Net?
To enroll in Cardinal Care Health Net, students must complete the online enrollment process via the Vaden Health Center website. The deadline to enroll is typically in the first few weeks of the academic quarter. Students who miss the deadline may still be able to enroll during a qualifying life event, such as a change in marital status or loss of other health insurance coverage.
Plan options available in Cardinal Care Health Net
Cardinal Care Health Net offers three plan options: Basic, Intermediate, and Premier. The Basic plan has the lowest monthly premium but also the highest cost-sharing for healthcare services. The Intermediate plan offers a balance between monthly premiums and cost-sharing, while the Premier plan has the highest monthly premium but the lowest cost-sharing. Each plan option has different coverage levels for medical, prescription drug, mental health, and vision services.
Range of healthcare services covered by Cardinal Care Health Net
Cardinal Care Health Net covers a range of healthcare services, including preventive care, emergency services, and prescription drugs. Preventive care services, such as annual physical exams and vaccinations, are covered at 100% without any cost-sharing. Emergency services, including ambulance rides and emergency room visits, are also covered at 100%. Prescription drugs are covered under all plan options, with varying levels of cost-sharing depending on the plan. Mental health and substance abuse treatment, as well as maternity care, are also covered under all plan options.
Provider network of Cardinal Care Health Net
Cardinal Care Health Net has a broad network of healthcare providers, including physicians, hospitals, and clinics. The plan uses the Health Net network, which includes over 70,000 providers nationwide. Students can also access healthcare services through the Stanford University Medical Center and affiliated clinics. In addition, Cardinal Care Health Net offers access to Teladoc, a telemedicine service that allows students to consult with doctors remotely.
Costs and premiums of Cardinal Care Health Net
The costs and premiums of Cardinal Care Health Net vary depending on the plan option selected. The Basic plan has the lowest monthly premium but also the highest cost-sharing for healthcare services. The Intermediate plan offers a balance between monthly premiums and cost-sharing, while the Premier plan has the highest monthly premium but the lowest cost-sharing. Students can also opt to add dependents to their plan for an additional cost. The university subsidizes a portion of the premium for eligible students, helping to make the plan more affordable.
FAQs about Cardinal Care Health Net
1. Is Cardinal Care Health Net compliant with the Affordable Care Act (ACA)?
Yes, Cardinal Care Health Net is compliant with the ACA regulations, ensuring that it meets all the necessary standards for quality healthcare coverage.
2. Can I enroll my dependents in Cardinal Care Health Net?
Yes, eligible students can enroll their spouses/domestic partners and dependents in Cardinal Care Health Net for an additional cost.
3. Are there any exclusions or limitations to the coverage offered by Cardinal Care Health Net?
Yes, certain healthcare services may be excluded from coverage under the plan, such as cosmetic surgery or experimental treatments. Additionally, some healthcare services may have limitations on the amount or frequency of coverage.
4. How do I find a healthcare provider within the Cardinal Care Health Net network?
Students can search for healthcare providers within the Cardinal Care Health Net network on the Health Net website or by contacting the plan's customer service department.
5. Can I waive Cardinal Care Health Net if I have comparable coverage?
Yes, international students can waive Cardinal Care Health Net by providing proof of comparable coverage. Domestic students may also be able to waive the plan if they have other health insurance coverage that meets certain criteria.
In conclusion, Cardinal Care Health Net is a comprehensive healthcare plan that provides affordable and convenient coverage to Stanford University students and their dependents. The plan offers a range of plan options, broad network of healthcare providers, and coverage for medical, prescription drug, mental health, and vision services. Eligible students can enroll in the plan online, and the university subsidizes a portion of the premium to make it more affordable. By providing access to quality healthcare services, Cardinal Care Health Net helps to ensure the health and well-being of the Stanford University community.Cardinal Care Health Net: Frequently Asked Questions
What is Cardinal Care Health Net?
Cardinal Care Health Net is a health insurance plan offered to students of Stanford University. It provides coverage for medical, mental health, and prescription drug services both on and off-campus.
Who is eligible for Cardinal Care Health Net?
All registered students of Stanford University are eligible for Cardinal Care Health Net. This includes undergraduate and graduate students, as well as students enrolled in certain professional programs.
What services does Cardinal Care Health Net cover?
Cardinal Care Health Net covers a wide range of services, including preventative care, primary care, specialty care, mental health services, and prescription drugs. It also offers coverage for emergency care and urgent care services.
Are there any out-of-pocket costs for using Cardinal Care Health Net?
There may be some out-of-pocket costs associated with using Cardinal Care Health Net, such as copays or deductibles. However, many services are covered at no additional cost to the patient.
Can I use Cardinal Care Health Net outside of Stanford?
Yes, Cardinal Care Health Net provides coverage for medical and mental health services both on and off-campus. It also offers coverage for emergency care and urgent care services wherever you may be.
