Mental Health Services
Kenwood Psychological Services: Kenwood Psychological Services is New York‘s largest provider of assistance to the religious community and has extensive support services designed specifically for clergy and churches. Kenwood has a staff of more than 75 mental health professionals, psychologists, psychiatrists, social workers and pastoral counselors, with practice in a wide variety of specialties. The key to using Kenwood Psychological Services, and one of the primary reasons for their success, is the attention given to matching you with the professional best suited to your needs; therefore, Kenwood requires an intake interview in order to make this all important determination.
Accessing the services of Kenwood Psychological Services: Access to Kenwood
Psychological Services is solely at your initiative. To do so you need only phone the office of Dr. David M. Kelley, Ph.D., Director of Kenwood Psychological Services, in Manhattan at 212-744-2121 to arrange for an intake interview.
At no time will anyone from the Seminary or your Diocese have any knowledge that you have accessed the services of Kenwood unless you seek a referral from the Seminary, or in the event that, if required by your Diocese to seek counsel or evaluation, you choose Kenwood to provide the service.
Cost to you: The cost to you is based upon a sliding scale that is determined solely on an ability to pay. By engaging Kenwood Psychological Services as official provider the Seminary has been able to negotiate favorable rates. The other factor affecting cost will be the determination of the level of care to meet your needs, which will determine the level of expertise necessary to provide such care. There is no reimbursement from the Seminary for using Kenwood Psychological Services. If you have private insurance that provides reimbursement for mental health services please make sure that you follow your providers‘ requirements for reimbursement. Kenwood subscribes to most insurance plans.
Definitions of Health Insurance TermsPPO Plans (Preferred Provider Plans)
PPO plans are preferred provider plans. Health insurance companies contract a network of doctors and hospitals that are "preferred" by the company. These network doctors and hospitals charge a contracted fee for their services and when you choose to see one of these "preferred providers," the amount you pay out of your pocket is usually quite low. There is typically a small co-payment (a fee per visit or service), which may be $15 or $20. It is important to keep in mind that since the insurance companies keep prices lower by contracting specific doctors and hospitals, there is higher charge for going out of the healthcare provider's network. However, the PPO is a more flexible arrangement than many other plans because the plan will pay some of the costs if you choose to visit a doctor, specialist, or clinic outside the network. For example, if you want to see a world renowned specialist at the John Hopkins Clinic, your PPO plan would reimburse you for at least some of the cost.
HMO Plans (Health Maintenance Organization)
A health maintenance organization (HMO) provides “managed care” in return for a monthly or quarterly premium. You pay a fee, the amount depending on the specifics of your coverage, and are offered a range of health benefits that cover the entire spectrum from preventive care and education to physician care, surgery and hospitalization. An HMO is a one-stop shop for all your healthcare needs. Your healthcare is “managed” by your primary care physician, usually a general practitioner.
Typically, you must receive a referral from your physician before visiting a specialist outside the provider network. With rare exceptions, such as when you are away traveling, you are limited to seeking care completely within the network of providers, doctors, hospitals and labs with whom your HMO has negotiated a fee schedule. Since contracting discounts from a network of providers is one of the primary ways a HMO maintains cost effectiveness, the plan only works when you stay within the network. In addition to your premium, an HMO generally charges a co-payment (a way of sharing per visit costs between the consumer and the plan) of, for example, $10 or $20 for certain services or prescriptions. One of the unique features of an HMO is that they typically deliver care directly to patients. Patients visit an HMO’s medical facility to see the physicians. Most HMOs own their own hospitals and clinics and directly hire physicians who work only for them. A quintessential example is the Kaiser Permanente System.
While an HMO is more restrictive than other plans, it can be a convenient and cost effective solution for an insurance consumer that does not have ties to a doctor or medical facility outside of the HMOs network. If the organization is well run, doctor visits and healthcare can be simple, hassle-free and reliable. If the need arises for you to see a specialist, your doctor will handle the research for you, all you will need to do is show up for your scheduled appointment.
POS (Point of Service Plans)
Point of Service (POS) plans have similarities to both PPO and HMO plans. As with Preferred Provider (PPO) plans, you are directed toward a network of contracted doctors, hospitals and clinics for your healthcare, but you can pay a larger out-of-pocket fee to visit an out-of-network provider. In line with the managed care policies of an HMO, your healthcare is administered according to a healthcare professional. With a Point of Service plan your primary doctor oversees your medical care and refers you to contracted specialists when the need arises. Akin to the philosophy of an HMO, POS plans promote health and wellness through prevention and education, in addition to treatment.
The upside to a Point of Service plan is the freedom to go out on your own and chose your own providers, even specialists, outside the network. You are never limited to medical providers your primary care physician refers. However, be aware, the dollar amount the plan will pay decreases when you go outside the network. You will pay approximately $600 a year for the privilege of being allowed to self-refer to out-of-plan practitioners, and your out-of-pocket contribution will be greater. It is wise to consider if it is worth it to you, as a consumer, to pay a higher monthly payment for the freedom to access specialists, physicians, and clinics of your choice. If you are relatively healthy and do not have a special relationship to a specific physician, then you might consider a managed care program that will charge you less to exercise less freedom in choosing a healthcare provider. If the freedom to self-refer to any healthcare practitioner or hospital you want is important to you, a POS plan may be your ideal fit.
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Health Insurance FAQ's
Question: Where can I find Student Health Insurance Information?
a) You may find health insurance information on the GTS website, www.gts.edu; Prospective Students > New Students > New Students > Forms and Requirements
b) You may also find more information on www.cpg.org; For Clergy and Spouses > Seminarians > Health
Question: What health plans does GTS offer?
Answer: GTS offers one health plan; Aetna Health Fund Plan.
Question: What does the health plan offer?
Aetna Health Fund
• Designed as a traditional PPO plan, with a Plan-established Health Fund account that reduces the deductible
• Administered by Aetna
• Health Fund is forfeited at termination or enrollment in another plan
• Health Fund balance carry over for one year
• Offers a choice of providers within the Aetna PPO network
• No PCP selection required
• NO PCP referrals required fro specialty care
• Out of network benefits allow you to seek care from nonparticipating providers
• Hospital Care covered network only
Question: What is open enrollment?
Answer: Open enrollment is a designated period each year when eligible members may choose to enroll in or make changes to healthcare coverage for themselves and/or their dependents, which become effective on the first day of the following plan year.
Question: When is open enrollment?
Answer: Between August 29th through September 30th.
You must enroll within 30 days of your seminary's registration deadline for the semester in which you wish to begin coverage. If you miss the enrollment period, you may enroll for the following semester. As a plan member, you remain enrolled year-round for as long as you remain in seminary. Seminarians who begin studying in the spring semester may be submitted before classes begin. You must submit your plan elections before the semester begins in which you are enrolling.
Question: How do I enroll?
Answer: Complete an enrollment form that will be given to you by the HR Administrator during Orientation week.
Question: When does coverage begin?
Answer: The effective date of coverage for a seminarian is the first day of the first semester or term in which he or she enrolls as a full-time student.
Question: Can I enroll my dependents on my medical plan?
Answer: You can enroll the following dependents on your medical plan:
• Your spouse
• Your domestic partner, if elected by the participating group
• Your child who is 30 years of age or younger
• Your disabled child, 30 years of age or older, provided the disability began before the age of 25.
Adding dependents to your health plan may add to the cost. Please review the rates on the rate schedule found on the GTS website.
Question: Are dental benefits offered?
Answer: The Medical Trust offers three levels of dental coverage; Preventive Dental PPO, Basic Dental PPO, Dental & Orthodontia PPO
Question: How long is health coverage?
Answer: Health coverage lasts until graduation. The cycle begins on each academic school year. Health coverage also lasts through the summer.
Question: How will I be billed?
Answer: The Business Office will list the amount due for the semester on your student invoice.
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