Common Questions & Insurance Definitions

Follow these steps to get your student insurance ID card:

1. Go to lewermark.com/student-login 
2. Log in:  
   • If you already created an account, enter your student ID number and password 
   • If you are new, click “Create a Login” and enter your birthdate and student ID number 
3. After logging in: 
   • Go to “Start Here” near the top of the screen 
   • Select “Online ID Card” from the drop-down menu 
   • You can download, print, or save your card 

Tip: Always keep a copy on your phone. In the U.S., you will need to show your insurance ID card every time you visit a doctor or pharmacy.

If a doctor or pharmacy asks what insurance you have, say “My network is Aetna.”

Need help?

• Email: [email protected]
• Chat: lewermark.com
• Phone: (800) 821-7710

Your health insurance plan uses the Aetna network. Choosing a doctor who is in the Aetna network can save you money.

To find a doctor near you, use Aetna’s online provider search tool.

For more information, visit our Find a Doctor page.

To access your plan details, please visit your school’s custom LewerMark webpage. You can search for your school by visiting our homepage.

If you are unable to find your school, please chat with one of our advisors, email us at [email protected], or call (800) 821-7710.

In the U.S., emergency rooms are for serious or life-threatening conditions. They are often expensive and may have long wait times for non-emergencies.  Use lower-cost options (like Teladoc, your student health center, or a clinic such as CVS MinuteClinic) for: 

• Colds, coughs, and sore throats 
• Itchy skin and rashes 
• Earaches 
• Minor cuts  
• Sexually transmitted diseases 
• Potential muscle or ligament strain 
• Pregnancy testing 
• Minor burns 
• Urinary issues 

Go to the ER or call 911 immediately for:

• Loss of consciousness 
• Major injuries or broken bones 
• Intolerable pain  
• Severe allergic reaction 
• Trouble breathing  
• Chest pain 
• Severe bleeding 
• Poisoning  
• Deep cuts needing stitches 

Note: LewerMark does not offer medical advice. Please rely on your own best judgment in choosing when and where to receive healthcare services.

A copayment, or a copay, is a flat fee you pay for healthcare services each time you use your insurance. Different copay amounts may apply depending on the healthcare service. For example, the copay amount may vary for office visits, specialist visits, urgent care visits, emergency room visits, and prescription medications. 

Coinsurance is the portion of the bill the insurance plan pays after you pay your deductible and/or copay.

Coinsurance is typically shown as two percentages: one for in-network providers and one for out-of-network providers.

Example:

• 80% (out-of-network): Insurance pays 80%, you pay 20%
• 100% (in-network): Insurance pays all covered costs 

A deductible is the amount of money you pay first, before insurance starts helping to pay.

Note: Not all plans or benefits are subject to a deductible. 

An Explanation of Benefits, or EOB, is a document you will receive through email after you visit a doctor.

The EOB shows what the doctor charged, what your insurance paid, and what you may owe for your visit. An EOB is not a bill.

Inpatient care and services occur when you are admitted to the hospital for medical treatment and stay overnight or longer.

Medical evacuation is the moving of an injured or ill person from a place where they cannot receive adequate medical care to a location where they can get proper treatment. 

Medical necessity occurs when a doctor provides healthcare services for you which are considered “medically necessary.” This means the services are reasonably expected to help you and are not more costly than other equally effective options. 

An out-of-pocket maximum is the most money you will have to pay for covered medical care in a year. Once you reach this amount, your insurance pays 100% of covered costs for the rest of the year.  

Outpatient services are healthcare visits that you attend and leave within the same day.

An outpatient visit can become an inpatient visit if you are admitted to the hospital during an initial outpatient visit. 

A plan maximum is the most your insurance company pays for your covered medical care. There are usually two types:   

• Annual Plan Maximum: The total amount the insurance company will pay for all your medical care combined during the policy year.  
• Per Injury or Illness Plan Maximum: The total amount the insurance company will pay for one specific injury or illness. 

If you reach the plan maximum, it means you have used the full amount of coverage available for that year or for a specific injury or illness. Any additional covered medical costs after that point would need to be paid by you, and the out-of-pocket maximum will no longer apply. 

A pre-existing condition is a health condition you had before your health insurance began. Examples are asthma, diabetes, heart conditions, or pregnancy.

Premium is the amount you pay for insurance. Think of it as the “price” of your insurance plan. 

Repatriation is coverage for the costs associated with returning a student to their home country in the event of a medical emergency, illness, or death.

A wellness or preventative benefit covers the care you receive to prevent an illness or injury. It is not used to diagnose or treat a health condition.

Wellness and preventative care is meant to help you stay healthy and lower the risk of future health issues.

Wellness care includes, but is not limited to:  

• Annual physical exam (full body check) 
• Routine lab tests 
• Routine health screenings  
• Routine tuberculosis (TB) tests 
• Vaccines and immunizations