Student Health F.A.Q.

Who is required to have health insurance?


All full time Graduate Students enrolled in 6 or more credit hours and all Undergraduate Students enrolled in 9 or more credit hours.



Top of Page


Why is there a charge for health insurance on my student account?


All eligible students will be billed for the student health insurance on their student account. Students who have their own insurance and wish to waive the student health insurance must complete a waiver via the online waiver process. If your waiver is approved, the charge will be removed from your student account. Please allow approximately 10 business days for processing time for the charge to be removed from your student account.


Top of Page


Do I have to enroll in the student health insurance plan that the university makes available to students? Is there a way to get the health insurance cost removed from my student account?


If you already have health insurance and prefer to continue with your current plan, you may opt out of the student health insurance plan by filing an online waiver, removing the insurance premium from your student account. In order to get the health insurance cost removed from your student account, you must submit a waiver request via the online process by the waiver deadline.


Top of Page


When I waive the insurance, how long will it take to come off?


If you've completed an online waiver and received a confirmation email that your waiver has been approved, please allow 10 business days for the insurance premium to be removed from your student account. If the charge is still on your account after 10 days, you will need to contact the student accounts office at your campus.


Top of Page


Why is my waiver getting denied?


A waiver will be denied if you answered 'no' to one of the questions on the waiver form, and/or do not fill in your insurance information on the waiver form.


Top of Page


What health insurance plans are available through the university?


The Husson University offers a Student Health Insurance Plan administered by Aetna Student Health. To review the benefits of the plan, go to www.crossagency.com/husson


Top of Page


What will happen if I don't waive the insurance?


The charge will remain on your student account if you do not complete the waiver process by the waiver deadline. By not waiving the insurance coverage by the deadline, you will be automatically enrolled at the end of the waiver period assuming you meet the eligibility criteria of the plan.


Top of Page


What is the deadline to waive or enroll in the student health insurance plan?


For students beginning classes in the fall, the Waiver Deadline is September 15, 2017, for new students and transfer students beginning classes in the spring, the Waiver Deadline is January 26, 2018. Students who waive the insurance in the fall do not need to complete another waiver in the spring.


Top of Page


Do I have to waive my insurance every semester?


No, a waiver must be completed each fall semester. If you complete a waiver in the fall, you do not need to complete another waiver for the spring semester. If you are a new or transfer student for the spring , you will need to waive online for the spring semester, and then if you return to school in the fall, you will need to complete a waiver in the fall too. To access the online waiver site, go to www.crossagency.com/husson and click on the "Waive the Health Insurance Plan" link on the left.


Top of Page


Can I waive the insurance if I have Maine Medicaid (MaineCare) or Medicare?


Yes.


Top of Page


Can I waive if I have health coverage through Veterans Health Administration?


Yes, you should have a card that is from Veterans Affairs. Use that information as your insurance information to complete the online waiver form.


Top of Page


Can I waive the insurance if I have Native American: Indian Health Service?


Yes.


Top of Page


Can I waive the insurance if I am studying abroad and will be obtaining healthcare from the government where I am studying abroad?


Yes, you can waive for the period you will be out of the country. You will need to contact the student accounts office when you return to be sure you are properly insured.


Top of Page


May I voluntarily enroll in the health insurance if I am not required to have health insurance?


No. This health insurance policy is for eligible students based on credit enrollment (See Q1)


Top of Page


May I add a dependent on my insurance?


No, dependent coverage is not available.


Top of Page


May I add a dependent if I am not on the insurance?


No, dependent coverage is not available.


Top of Page


Is there a Dental or Vision plan I can enroll in or is it included with the policy?


Dental and vision coverage are currently not available through the University.


Top of Page


Who should I contact if I have questions regarding coverage, claims, services or enrollment?


For questions about your student health insurance plan that can't be answered via the web site, please contact customer service at 1-877-480-4161.


Top of Page


What are the costs for insurance?


The cost of the insurance for the annual period is $2,029.00. Please see your campus's specific web page for the dates of coverage for the annual period and for the spring period, by clicking on your campus's logo at www.crossagency.com/husson.

Top of Page


What does the policy cover?


Please visit the Cross Insurance student health insurance website to view and download the specifics of your student insurance coverage. The student plan is designed to cover medically diagnosed accidents and sickness as defined within the limits of the brochure.


Top of Page


What is the difference between a deductible, a copayment and coinsurance?


A deductible is a specific amount of covered medical expenses that must be incurred and paid for by you before benefits are payable under the plan. Deductibles are usually applied to in-patient, out-patient and surgical expenses. A copayment is your share of the expense for office visits or prescription drugs. Co-payments are usually collected at the time of the office visit or at the pharmacy. Coinsurance is your out of pocket share of on going medical expenses. This cost sharing can be preceded by copayments and deductibles.


Top of Page


Can I cancel this coverage at any time and get a refund for the unused portion of the plan?


The policy can not be cancelled, and no premium refund is available. Your coverage will continue until the expiration date of the policy regardless of whether you have graduated or left school for any reason.


Top of Page


Why wasn't this bill paid by the student insurance plan?


Your student health plan has coinsurance, co-payments, deductibles, exclusions, and limitations. Please refer to your brochure to determine if one of these applies to your claim. If you feel there has been an error or unjustified denial, please complete the claim inquiry/satisfaction survey located on the first page of your college-specific page of our website.


Top of Page


Is this a managed care plan?


The student insurance plan is not a managed care plan. A primary care physician (PCP) selection is not necessary. There may be Preferred Provider arrangements (PPO) in your plan that could reduce your out of pocket expenses. Please check your brochure or your college-specific page on our website for details.


Top of Page


Where do I find the policy number?


The policy number is located on the front page of your brochure and on the first page of your college-specific page on our website. The policy number is the same for all students at a particular school.


Top of Page


Does this plan cover me off campus and/or outside the United States?


The student insurance plan provides world-wide coverage. However, most foreign countries will not accept your insurance card as payment. You must pay the provider at the time of service and submit bills which have been translated to English and U.S. currency, with a claim form, to the insurance company for reimbursement.


Top of Page


How do I get reimbursed for covered medical expenses?


To obtain reimbursement for covered medical services, obtain a claim form at health services or download one from your college-specific page on our website. Complete the claim form and submit it with a copy of your bill and receipt to the address on the top of the form.


Top of Page


Are athletic injuries covered under the student plan?


Intercollegiate and club sports injuries are covered by the student plan. The University carries a separate sports accident insurance plan as well, please contact your athletic director or trainer for more details regarding the sports accident insurance plan.


Top of Page


When and/or how do I get an insurance card?


You can print a card approximately 2 weeks following the submission of the roster of eligible students by your college, which will be after the waiver/enrollment deadline passes. If your campus offers online enrollment, and you have completed your enrollment online, you can Create an Account at this link: https://www.aetnastudenthealth.com/en/main/aetna-navigator.html, and print your card from the internet, no more than 2 weeks before the effective date of the policy.


Top of Page


How do the benefits of the student plan coordinate with benefits of other plans?


The student health insurance plan contains a coordination of benefits provision. It will coordinate benefits with any other valid and collectible insurance a student may have, including HMO's and PPO's.


Top of Page


Are prescription drugs covered?

The In-Network prescription drug benefit is 100% of the Negotiated Rate. There is a $20 copay per 31-day supply for a Tier 1 drug, a $30 copay per 31-day supply for a Tier 2 drug, and a $60 copay per 31-day supply for a Tier 3 drug. This benefit includes contraceptives. Generic contraceptives are not subject to a copay. Prescriptions are not subject to the calendar year deductible and must be purchased through a participating pharmacy. Participating Pharmacies can be found on-line at: https://www.aetnastudenthealth.com/en/main/find-doctor.html


Top of Page