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.Does this plan include Dental and Vision benefits?
Dental and Vision care are not covered. Dental care is covered only for injury to sound and natural teeth to a limit. This limit applies as a flat benefit . Vision care is covered only for injury to or medically diagnosed illnesses of the eye. No coverage is available for routine eye exams or corrective lenses of any kind. Please check your brochure or your college-specific page on our website for details.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 Pre-Existing Conditions covered?
Covered Medical Expenses resulting from a Pre-Existing Condition will not be covered unless: 1) 3 consecutive months have elapsed during which no medical treatment or advice is given by a Physician for such condition; or 2) a period of 3 consecutive months during which the Insured was continuously insured under this Policy. A Pre-Exisiting Condition is defined as an Injury or Sickness for which the Insured was medically diagnosed, treated (including medication), or advised by a physician within the three months immediatley prior to his Effective Date of Coverage under this Policy. If the Insured Person was insured under a prior plan that this plan replaces and replacement is effective within sixty-three days of the termination date of the prior plan, then credit will be given for each day of coverage under the prior plan towards satisfaction of the 3 month limitation on pre-existing conditions.Are injuries from the play or practice of NCAA sports covered under this policy?
Injuries from the play or practice of NCAA sports are covered to a specific limit. Other sports injuries are covered to the limit of the policy.
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