Students

Frequently Asked Questions

Why do I need student health insurance?

Health insurance helps pay for the costs of medical care that you and your dependents receive. Without it, you would be responsible for the full bill.

Who is required to purchase health insurance?

Each school establishes a statement of eligibility that outlines who must enroll in the Student Health Insurance, or otherwise show proof of comparable coverage. Visit your school page by selecting it from the drop-down menu on the upper right side of this page and select Enroll Now to view eligibility requirements. Statements of eligibility can be found in full in your student brochure.

Understanding Student Health Insurance

Where can I review policy details before I enroll?

Policy brochures for schools can be found by simply selecting your school on this site.

If I do not enroll in the student insurance plan during the open enrollment period, can I enroll later?

You can only enroll in the plan during the designated open enrollment period. The exception to this is if you have a Qualifying Life Event (QLE). To enroll due to a Qualifying Life event, please contact us.

What is an open enrollment period?

The open enrollment period is the period of time you can enroll yourself, and if applicable, your dependents, into your School’s Student Health Insurance Policy.

What does hard-waiver mean?

Hard waiver eligibility is defined by each school. Be sure to reference your school’s brochure to be sure you meet these requirements. Hard-Waiver students must enroll in their school’s policy or waive out of their school’s policy by providing proof of comparable coverage.

If I have student health insurance, but drop out of school, am I still covered? If not, will I get a refund?

Insured students who withdraw from school after the first 31 days of the policy period remain enrolled in the plan for the full period for which the premium was paid. Refunds are only made in the case of an insured student entering the U.S. Armed Forces, or if eligibility requirements are not met.

Enrollment Questions

How do I enroll?

Select your school from this site. Once at your school’s landing page select “Enroll”. If your school is not available, please contact us.

What is automatic enrollment?

You are automatically enrolled into the plan if you meet the Student Enrollment eligibility and do not waive out of coverage. You pay your premium for your insurance coverage to your school directly.

I am automatically enrolled but I am being told I do not have coverage.

Automatic enrollment may not happen until AFTER the Enroll/Waiver deadline. Please contact us to access your coverage.

Can I enroll my family members in the student insurance plan?

You may be able to enroll dependents. Refer to your school’s plan brochure on this website to determine if this is an option at your school. If it is, the enrollment form will show you how dependents may be added, as well as the costs associated for adding dependents.

What is my coverage period or effective date?

Please log into your account on this site to view your receipt showing your insurance plan coverage dates.

What will I receive to prove I have coverage?

Please log into your account on this site to view your Insurance ID card and/or Confirmation of Coverage letter. If you need to access covered services prior to that, have your healthcare provider call our Customer Service number (found in your plan brochure) to verify coverage. Please note that an ID Card is not a guarantee of coverage. All claims must be evaluated for benefits.

Is a refund available after I have enrolled in the student plan?

No, coverage under the policy may not be canceled. Refunds are only made in the case of an insured student entering the U.S. Armed Forces, or if eligibility requirements are not met.

Qualifying Life Event

If you have lost coverage, through no fault of your own, you may be eligible to enroll in your school’s policy. Qualifying Life Events include:

Acquiring a new family member
Marriage/Civil Union
Divorce
Loss or change of employment
Expiration of Benefits

If you meet the requirements for a Qualifying Life Event, you will need to provide the following:

Proof of qualifying life event/proof of involuntary loss of coverage
The exact date of loss of coverage
Enrollment Form
Payment

All documents and payments must be received within 30 days of the qualifying life event. After 30 days, the student will no longer be eligible to enroll in the plan, until fall of the following school year.

Contact us immediately to begin enrollment under a Qualifying Life Event. Please include the exact date of your loss of coverage.

Waiver Questions

How do I complete a waiver?

Select your school from the drop-down menu. From your school’s landing page click the option to Waive. Hard-waiver students should have a copy of their current insurance card and other relevant coverage material ALL IN ENGLISH to answer the waiver questions.

When can I waive?

Students must waive their school’s coverage during the waiver period. If you do not submit an approved waiver by the waiver deadline you may be automatically enrolled (if automatic enrollment applies for your school) and charged for the coverage. For schools where automatic enrollment does not apply an Opt-In option will be available.

I submitted a waiver that was approved but the charge is still showing on my student account.

You must contact your School’s Health Insurance Compliance department to have the charge removed.

I cannot find my approval email regarding my submitted waiver.

Once your waiver has been approved or denied you can confirmation of it via the original email that was sent or by logging into your account.

I missed the waiver deadline, but I still need to waive.

You must contact your School’s Health Insurance Compliance to request a waiver extension.

Using your Student Health Insurance

If I am ill or have an accident, what should I do?

What should I do if the SHC is closed or I'm away from school?

Our plans include a national network of healthcare providers. You can use the provider search features found by logging into your account on this website to locate preferred providers in your area.

What if I need to be admitted to a hospital?

Some of our plans do have a pre-admission notification requirement. Please refer to your plan’s benefit by logging into your account to see if this applies to you. If it is an emergency, this does not apply.

How do I know if something is covered?

Please refer to your plan’s benefit by logging into your account to see what services are covered by your plan. You should also review the Exclusions and Definitions sections for additional information. If you still have questions, call 1-800-356-1235.

How can I find a preferred provider?

You can use the provider search features found by logging into your account on this website to locate preferred providers in your area.

What is the advantage of seeing a preferred provider?

Your insurance carrier has negotiated special rates with our preferred providers, thus saving you money. You don’t have to see a preferred provider, but going out of the network will cost you more.

Are preferred providers just located in the area around my college campus?

Your plan comes with a national network of health care providers. Whether you’re at school, at home, or even enjoying spring break, odds are you’ll find preferred providers in the area.

When scheduling an appointment, should I tell the provider’s office that I have insurance?

Yes, when you schedule an appointment, let the office know who your coverage is with, as well as your policy number and group name (found on your ID card).

Am I covered for health care while studying or traveling abroad?

Most of our school plans include medical assistance services, medical evacuation and repatriation services, as well as travel assistance service. Please refer to your plan brochure by logging into your account to see if this applies to you.

Claims

Do I have to submit a claim form?

Not with most policies, but please refer to the Claims Procedures by logging into your account to review specific information regarding your plan.

I want to make sure I provide all the necessary information so my claim can be processed as quickly as possible. What do I need to do?

Log into your account to get your Insurance ID card to show to your provider so that they can submit your claim directly to your insurance carrier.

What if I need someone else to call in about my claims?

Please click here to download a Personal Representative Form and follow the instructions on the form.