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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 preceeded by copayments and deductibles.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.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.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.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.Are athletic injuries covered under the student plan?
Intercollegiate and club sports injuries are covered to a specific limit.Does this plan cover me off campus and/or outside Maine or New Hampshire?
The International Student Insurance Plan provides coverage for students while temporarily located outside their home country including locations off campus and outside Maine and New Hampshire. Expenses incurred within the students home country are usually excluded or are very limited. Please check your brochure for specific details exclusions or coverage regarding expenses in an international student's home country.When and/or how do I get an insurance card?
You will receive a card approximately 2 weeks following the submission of the roster of eligible students by your college. If you did not receive a card at all or need a replacement card, you may request one by email inquiry, which must include you full name, Student ID number, and correct mailing address.Are pre-existing conditions covered?
Pre-existing conditions are covered to the extent they were covered under prior insurance AND if that coverage was in place within 90 days of applying for the student insurance program. If these requirements are not satisfied, there is a 12 month waiting period before pre-existing conditions are covered.
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