Health Insurance

Loyola's international student insurance policy covers you if you get sick or have an accident. The insurance will not cover most routine checkups, preventative care, or annual dental or eye exams or medical care in your home country. For a complete list of coverage benefits, refer to LewerMark's policy information brochure.

Loyola's international student insurance policy is a co-pay insurance plan that works with a specific network of doctors. This means that for a covered expense you pay a $20 co-pay for services provided by a participating health care provider and the insurance will pay 100%.  If you go to a doctor outside of the network, the insurance will cover 80% of your costs. The insurance company will charge you an additional fee (called a deductible) for a hospital emergency room visit unless the reason for going is an injury or a major illness requiring an overnight hospital stay.

The insurance company has negotiated fees with providers within a "network." Services performed by in-network members will be covered at 100% of the allowable charges.

It is very important that you go to a doctor or hospital in the network. 

• If you use doctors and hospitals that are not part of the network, your insurance policy will only pay 80% of the allowable charges.
• Providers who are not in-network may also charge fees that are higher than the insurance company's negotiated fees, so you will spend much more if you see an out-of-network provider.

If you have any questions about how to use your health insurance, you can contact the plan administrator, LewerMark, by emailing lewermarksupport@lewer.com or by calling +1 (800) 821-7710.

In the event of a non-emergency injury or sickness, you should see the nurse or doctor at the Student Health Center if possible. There is no co-pay charge at the Student Health Center.

If the Student Health Center is closed and you have a non-life-threatening issue, call the free Nurse Line (available 5PM - 8AM, seven days/week, all-year): 1-800-231-5257

How do I find a doctor?  Go to https://lewermark.com/find-a-doctor-or-pharmacy-aetna and follow the detailed instructions. 

If you are admitted to the hospital or you visit a doctor:

• Be sure to present your insurance ID card!
• Some doctors will take your insurance information and then bill the insurance company. Other doctors will require that you pay upfront. In the latter case, you would then get a reimbursement from the insurance company. You may have to pay your co-pay upon being seen, or the doctor may bill you later.
• ALWAYS ask for and obtain itemized hospital and medical bills showing the amount you have paid the doctor.

Retail Pharmacy

When purchasing prescriptions at a participating network pharmacy, you get a discount and you are also eligible to receive reimbursement of 50% of the cost of the prescriptions. To do this, you need to:

1. Show your insurance card when purchasing the prescriptions to get a discount.
2. Pay for your prescriptions in advance.
3. File a claim form for reimbursement from the insurance company.

Hospital Stay

The policy covers 100% (80% at an out of network hospital) of prescriptions if you are admitted into a hospital and require prescription drugs during your stay.

Students who are using LewerMark also have free access to mental health resources from TELADOC and from Togetherall. These resources are included with the health insurance policy and are FREE to use for students.

TELADOC is a student assistance program designed to support international students to resolve mental and physical health concerns. TELADOC's friendly and caring licensed therapists and psychiatrists are available to help with a broad range of mental health needs, including prescribing medications. Additional resources include live coaching, digital programs, diverse language providers, and 24/7 crisis care. Students can call or video chat with no limit and no out-of-pocket cost.

Students can access TELADOC through their website, as well as on the free TELADOC app, which is available on the Apple Store and Google Play. On their first visit, students will be asked to register and create a free account in order to access their resources. Students can also call toll-free +1 (877) 419-2378. 

Togetherall is an online platform that offers free peer-based support. Students can speak with their peers anonymously about their problems and share resources with each other, and there are registered mental health professionals on hand 24/7 to ensure community safety. This is a great resource for students who are not comfortable discussing their mental health with friends or family, but don't want to keep their feelings bottled up.

Students can access Togetherall through the Togetherall website. Students will be asked to create an account upon their first visit to the website using their school email. 

For risk management reasons, Loyola requires that ALL students taking classes in-person have satisfactory health insurance. Because health insurance is mandatory, you will be charged an insurance fee and covered under a policy obtained by Loyola on your behalf, unless you can submit proof of comparable personal coverage. 

If you have your own insurance and would like to use this instead of the LewerMark plan, then you must complete, and be approved for, a Health Insurance Waiver.

To apply for a waiver, complete the form linked above and attach proof of coverage and information about your policy requested on the form. You must submit the form above with your documents by the deadline:

FALL-START DEADLINE: July 31

SPRING-START DEADLINE: November 30

After the deadline passes, LewerMark will not accept any waiver applications and you will have to pay the insurance charge on your student bill.

If you have trouble with the form above, you can alternatively complete a printable Health Insurance Waiver form and email it to the Waivers team directly at waivers@lewermark.com. Remember to attach your proof of coverage and policy information to this email.

We recommend that you contact your insurance company before you arrive at Loyola and well before the deadline for your policy information, as this may take time for them to produce. 

YOUR WAIVER APPLICATION MUST BE APPROVED BY LEWERMARK BEFORE YOU CAN BE UN-ENROLLED AND BEFORE ANY INSURANCE CHARGES CAN BE REMOVED FROM YOUR STUDENT BILL! LewerMark is the ONLY group that can provide acceptable approval or denial of these waivers. No other company or department at Loyola can provide this. A LewerMark representative will typically notify both CIE and you by email with their decision about your waiver application.

YOU MUST REAPPLY FOR A WAIVER EVERY YEAR! Even if you are approved for a waiver for one year, you must submit proof of comparable insurance coverage for every academic year you are enrolled at Loyola to maintain your waiver. 

Loyola University New Orleans requires ALL students entering the university for the first time and those students residing in on-campus housing to get a series of immunizations, including against meningococcal disease (bacterial meningitis). 

In order to begin classes, you must prove that you have the required immunizations by sending proof of your immunizations to the Student Health Center. You can find detailed instructions on how to do this on the Student Health Services website.

For questions about Loyola’s immunization requirements, please email immunization@loyno.edu or call the Office of Student Affairs at +1-504-865-3428. 

You can use the Lewermark website to access the following:

• Free student account - log in to print your ID Card
• In-network search for doctors, hospitals, and pharmacies
• Walkthroughs on how to use your insurance and how to file claims forms
• Free chat function for questions
• New student orientation
• Scholastic Emergency Services
• Scholastic Emergency Services multilingual brochure
• Summary of Benefits And Coverage