Cardinal Care Overview

Overview of Cardinal Care Medical Benefits*

Cardinal Care is structured to complement the care that is available to students through Vaden Health Center. It has two tiers of coverage that let you decide where to get medical care, while managing cost.

Tier Health Care Providers Details

Tier 1 Medical Care*

Stanford University Medical Center, Menlo Medical Clinic, and Sutter Health

Tier 2 Medical Care*

Any Aetna Participating Network Provider

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), you 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 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.

Overview of Cardinal Care Mental Health Benefits

Aetna Student HealthSM 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 HealthSM site at www.aetnastudenthealth.com/stanford

Overview of Cardinal Care Dental Benefits

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

All students are automatically enrolled in Cardinal Care coverage and must acknowledge their understanding of the Cardinal Care Enrollment Policy. Students who wish to waive Cardinal Care coverage must submit a request to waive by the applicable deadline.

As part of the university’s requirement that all students have adequate health insurance coverage, registered students are automatically enrolled in Cardinal Care in their first registered quarter of each academic year. See pages 38–39 for more information.

* 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 your Aetna coverage. If there is a discrepancy between the information provided in this brochure and the provisions of the plan documents, the plan documents will govern.

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