Jane Dotson
Temple University Hospital offers a range of health insurance plans to its employees, students, and patients. The university-sponsored plans are available to both full-time and part-time employees, as well as their eligible dependents, including spouses and children under the age of 26. These plans cover medical, prescription, dental, and vision care. Students can also benefit from health insurance plans, either through their parents' insurance or university-sponsored plans. Additionally, Temple University Hospital accepts various insurance plans from different providers, ensuring accessibility for its patients. Understanding insurance coverage and billing procedures is essential, as individuals are responsible for any unpaid claims.
| Characteristics | Values |
|---|---|
| Insurance plans accepted | AmeriHealth HMO, Inc., Blue Cross – Special Care (IBC), United Healthcare Community Plan of PA (MA Managed Care) |
| Insurance plans for employees | Medical, prescription, dental, and vision |
| Insurance plans for part-time employees | Personal choice high deductible plan and CVS Caremark prescription |
| Insurance plans for students | University-sponsored health insurance plans, HMO plan |
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What You'll Learn
Types of insurance plans accepted
Temple University Hospital offers health insurance to its full-time employees, faculty members, and their eligible dependents. The plans include medical, prescription, dental, and vision. Eligible part-time employees are offered medical and prescription coverage. The university also offers university-sponsored health insurance plans for students.
The health insurance plans for full-time employees and faculty members include:
- A preferred provider organization (PPO) plan that allows choosing in-network providers anywhere in the United States through the BlueCard PPO Network. This plan offers flexibility and freedom of choice, allowing users to receive care from any in-network or out-of-network doctor, specialist, or hospital without a referral.
- A health maintenance organization (HMO) plan, which requires choosing a primary care physician. All medical services must be performed or authorized by the primary care physician with a written referral.
For students, the university-sponsored health insurance plans are available, with the option to choose an HMO plan or a PPO plan. Students covered under their parents' insurance plan as full-time students under the age of 26 are encouraged to remain on their parents' plan.
Temple University Hospital – Main Campus accepts most area insurance plans, including AmeriHealth HMO, Inc., and United Healthcare Community Plan of PA (MA Managed Care).
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Student health insurance plans
Temple University offers health insurance to all full-time employees, faculty members, and their eligible dependents. Eligible part-time employees are offered medical and prescription coverage.
Temple University requires all students to be enrolled in a health insurance plan while attending the university. The university offers university-sponsored health insurance plans. Students can choose an HMO plan and still access Student Health Services for routine care. However, they will need to choose a non-Student Health Services primary care provider (PCP) to approve any specialist, lab work, or X-ray referrals.
Temple University has also partnered with University Health Plans to provide health insurance coverage for student athletes. The student insurance plan is underwritten by Wellfleet Insurance Company, with claims paid by Wellfleet Student. The insurance plan annual coverage premium is $2,783 (August 1, 2024 - July 31, 2025), and the spring coverage premium is $1,617 (January 1, 2025 - July 31, 2025).
Students who cannot afford the student insurance offered by Temple University can explore other programs that provide low-cost insurance coverage to uninsured or unemployed individuals. Depending on their income, they may be eligible for lower-cost, subsidized coverage purchased through state health insurance exchanges or qualify for free or low-cost coverage through Medicaid or the Children's Health Insurance Program (CHIP).
Some students may also be covered under their parents' insurance plan as long as they are full-time students under the age of 26. It is recommended that students from outside Philadelphia check with their insurance company to confirm coverage for medical expenses in the Philadelphia area.
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Full-time employee health insurance plans
Temple University offers health insurance to all full-time employees, faculty members, and their eligible dependents. The plans include medical, prescription, dental, and vision. Full-time employees and faculty members enrolled in a health plan are eligible to participate in the Total Wellness program, which offers wellness rewards and potential health plan premium discounts.
The specific plan may vary by job classification and whether the position is represented and covered by a collective bargaining agreement. The university's health insurance is a preferred provider organization (PPO) plan, which allows the freedom to choose in-network providers anywhere in the United States through the BlueCard PPO Network. Additionally, doctors and hospitals worldwide are accessible through the Blue Cross Blue Shield Global Core program.
For specialized services, employees and their dependents can visit any of Temple's hospitals for inpatient services, with outpatient services also available. Copays may be waived during visits to Temple outpatient locations, which are considered in-network. Prescription drug coverage is also included in the plan, provided by CVS Caremark.
Dental insurance is available to eligible full-time employees, faculty members, and their eligible dependents, with the Temple University Kornberg School of Dentistry offering fast and efficient care in a friendly environment. Vision care is also covered, with eye exams and eyeglasses provided by the university's Department of Ophthalmology.
The university's health insurance plans are designed to provide comprehensive coverage for full-time employees and their dependents, including a range of medical, dental, and vision benefits. With access to a wide network of healthcare providers and the potential for cost savings through the Total Wellness program, employees can maintain their overall health and well-being.
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Part-time employee health insurance plans
Temple University offers health insurance to its part-time employees, although the specifics of the plans vary depending on the employee's job classification and whether the position is covered by a collective bargaining agreement. Part-time employees who work at least 30 hours per week on a regular schedule or who average more than 30 hours per week over the applicable annual measurement period are eligible for health insurance. This includes medical and prescription coverage, with eligible part-time employees able to enrol in the Personal Choice High Deductible Plan and CVS Caremark prescription coverage.
The university's health insurance plans also include dental and vision care coverage for eligible employees. For instance, the Temple University Kornberg School of Dentistry offers dental care at their community clinic. Additionally, vision care covers eye exams and eyeglasses, with the possibility of additional charges for contact lens exams.
Temple University Hospital, including its Main Campus, Jeanes Campus, Episcopal Campus, and Northeastern Campus, accepts most area insurance plans. This includes plans such as AmeriHealth HMO, Inc., Blue Cross – Special Care (IBC), and United Healthcare Community Plan of PA (MA Managed Care).
It is important to note that health insurance is a contract with an insurance company, where the company agrees to pay some or all of an individual's medical bills based on their coverage or policy terms. As such, it is essential to understand the benefits and coverage provided by one's insurance plan, as out-of-pocket expenses may vary depending on whether one receives care from an in-network or out-of-network provider.
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Billing and payment methods
Temple University Hospital accepts most area insurance plans, including AmeriHealth HMO, Inc., and United Healthcare Community Plan of PA (MA Managed Care). For a comprehensive list of accepted insurance plans, you can call 215-707-7608.
If you have insurance, the hospital will bill your insurance company directly for all approved services. However, the final resolution of the claim is your responsibility. Your insurance company will determine your portion of the bill, and you will be billed accordingly. You will also be responsible for any claims not paid on time by your insurance plan.
For elective, scheduled care, you will be expected to pay any out-of-pocket liability prior to or at the time of your admission/service. You will often be contacted in advance to remind you of your expected payment. Payments can be made in advance over the phone, or in person using cash, personal check, or credit card.
Temple University offers health insurance to all full-time employees, faculty members, and their eligible dependents. This includes medical, prescription, dental, and vision coverage. Eligible part-time employees are offered medical and prescription coverage.
Students can also enrol in university-sponsored health insurance plans. These plans must be renewed each academic year during the open enrolment period. Students are encouraged to stay on their parents' insurance plans if possible, as long as they are full-time students under the age of 26.
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Frequently asked questions
Temple University Hospital – Main Campus accepts most area insurance plans, including AmeriHealth HMO, Inc., Blue Cross – Special Care (IBC), and United Healthcare Community Plan of PA (MA Managed Care). For a full list of accepted insurance plans, call 215-707-7608.
You can call 215-606-5000 to discuss any questions or concerns about your bill.
You can call 215-926-2270 or email [email protected] for more information.
