Student Health Insurance - HTH
Athena Study Abroad has partnered with HTH Worldwide, a global leader in international health insurance. All of Athena's students are covered with supplemental international health insurance. Below is information about overseas insurance:
Primary Health Insurance
All students participating in Athena Study Abroad programs must maintain primary health insurance coverage in the United States for the duration of their study abroad program.
Supplemental International Health Insurance
As a participant in an Athena study abroad program, you will be automatically enrolled in a supplemental health insurance plan through HTH Worldwide Services. This comprehensive medical insurance plan covers a maximum of $100,000 for any illness or accident abroad and does not carry a deductible. Coverage includes most medical expenses, emergency evacuation and a full range of 24-hour medical assistance.
You will receive a description of HTH benefits and covered medical expenses in your Athena acceptance packet. In addition, you will receive an HTH insurance card prior to your departure. Please carry this insurance card with you at all times while you are overseas.
Once enrolled with HTH, you will be assigned a personal ID number (Certificate Number). This number will be on your insurance ID card. Upon receipt of this number, please log on to www.hthstudents.com to register and have access to the HTH tools, services, and benefit information. You will need to enter your personal HTH Worldwide ID number to register at this website.
Your parents can also access information about HTH Worldwide by logging on to www.hthparents.com.
What should you do if you become ill or are injured?
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, 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 Contact HTH).
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. (See How to File a Claim)
If you receive medical care from a physician who is not a HTH provider, then you will most likely 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. If possible, call HTH before visiting a non-HTH provider; they may be able to make arrangements to pay for the medical services directly.
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 extended coverage from HTH Worldwide directly; consult www.hthstudents.com for purchasing information.
In the event of a medical emergency, contact your Resident Director or host institution coordinator immediately. If you are unable to reach these individuals and your medical condition requires immediate attention, go to the nearest hospital or medical facility.
What if you don't know where to go?
You should call HTH toll-free at 1-800-257-4823 within the U.S., or call collect +1-610-254-8771 from outside the U.S.
HTH and its assistance provider operate a 24-hour, 7 days a week, emergency global assistance service. To access emergency assistance, call one of the following telephone numbers:
Be prepared to give to HTH your name, your HTH Worldwide ID number (on your insurance card), and brief description of your problem.
If you are hospitalized and have a large bill, what should you do?
If you are hospitalized, HTH may be able to coordinate hospital payment guarantees. Call HTH as soon as possible after you are admitted to the hospital to discuss payment options.
How to file a claim
To file a claim, download a HTH Worldwide Claims Form. For the most up to date information on how to file a claim, including claim forms, please visit the HTH student website. Log on using your certificate number, click on "My Benefits", and then "Claims."