Student Insurance

August 2015

Important Questions You Need to Ask

• Is insurance required?

• Can I add my dependents under my policy?

• How much is my premium?

• How do I pay for the premium?

• What does the insurance cover?

• Who can I see when I am sick?

• How do I file a claim for bills that I have paid?

• Who do I contact for help?

Is Insurance Coverage Required?

All students with a minimum of part time enrollment

status, and who live within a 60 mile radius of Berrien

Springs, must be insured by a policy that covers Injury

and Sickness.

Coverage of any dependents is optional for U.S. citizens

and permanent residents.

All international students (F1 and J1), and dependents (up

to the age of 26) must be insured by a policy that covers

injury and sickness.

Waiving Student Insurance

The student insurance may be waived by completing the

waiver during registration central and uploading proof

of comparable insurance.

http://www.andrews.edu/HR/stu_ins_waivers.html

Comparable standards of coverage must be met.

• Minimum coverage of $100,000 USD for both injury

and sickness.

• If you take a policy with a deductible, this must be less

than $500.

• Hospitalization must cover a per day minimum of

$1,100 USD and ICU charges of $1,500 USD per day.

• The policy should cover physician office visits.

• For international students (F and J visa holders), the

policy should include benefits of $25,000 for

repatriation & $50,000 for medical evacuation. All

dependents must be covered.

How do I know if it is Comparable?

Deadline to submit proof of alternate insurance or to

“waive” Andrews Student Insurance is 15 days after

registering.

Full premium will be charged to your account if the

waiver is not completed.

Deadlines for Waiving Insurance

Michigan Medicaid

• Granted on a month by month basis.

• Required to bring your current Medicaid card in to

our office at the beginning of each term.

• Failure to provide this information in any term will

result in a charge for insurance from that term

through the remainder of the school year and is not

refundable!

How much is my premium?

Per Year (August 15, 2014 – August 14, 2015)

$1,415 for single student

$3,590 for student + 1 dependent

$5,389 for student + 2 dependents

Please see brochure for premium per semester or at

www.andrews.edu/services/hr/students/insurance/

Signing up and Confirmation of Coverage

You may sign up for student insurance as you complete

your registration, if you chose the Student Insurance

Policy.

Available to view when you visit Registration Central.

The annual policy requires you to do nothing further and

provides coverage for the entire school year.

What does my insurance cover?

Covers injury & sickness

Immunizations – immunizations recommended by the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention are covered.

Routine Physical – NGL covers routine physicals for women only

Pre-existing Conditions – Covered (not excluded)

Vision & Dental Care – Pediatric services, including oral and vision care are covered. Otherwise, vision and dental care is not covered, unless resulting from a covered accidental injury.

Expenses in Home Country – Excluded for International Students

The deductible is a portion of the bill that must be paid out of the member's pocket before any insurance coverage applies.

Annual Deductible

$50.00 Preferred Provider

$100 Non-Preferred Provider

The co-pay is the portion of the bill you are required to pay when you visit a physician or medical facility.

Coverage Percentage:

80% Preferred Providers

60% Non- Preferred Providers

ER vs. Ugent Care

• Persistent chest pain

• Persistent shortness of breath

• Severe pain (abdomen or back)

• Loss of balance or fainting

• Difficulty speaking or vision

• Severe heart palpitations

• Newborn baby with a fever

• Head and eye injuries

• Broken bones or dislocated joints

• Deep cuts requiring stitches

• Seizures without a previous diagnosis of epilepsy

• Fever without rash

• Minor trauma such as a common sprain

• Painful urination

• Persistent diarrhea

• Severe sore throat

• Vomiting

Prescription medication: 50% of actual charge is

reimbursed.

Submit a completed claim form to the ASRM

• Pharmacy printout that includes the rate paid.

• Copy of the receipt must indicate:

• Name of the prescription

• Cost

What do I do when I need to see a doctor?

1. Find an Preferred Provider before you seek treatment.

– Lakeland Care Inc.

– University Medical Services

– Physician Hospital Organization (PHO)

2. Services Outside the local area.

– PHCS Network

– Nationwide network , “MultiPlan”

Claim Payments

If the doctor billed your insurance company –

• You will receive an EOB (Explanation of

Benefits) from ASRM, LLC, (claims

administrator).

• If you did not pay the co-pay and co-insurance

yet, you will need to make that payment to your

provider at that time.

How do I claim for bills that I paid?

If the doctor did not accept your insurance card and you

paid the bill at the doctor’s office –

• Claim forms available at:

• www.helpwithmyplan.com

• Send the completed claim form, with an itemized bill, from

the provider, within 30 days to:

ASRM, LLC.

505 S. Lenola Rd., Suite 231

Moorestown, NJ 08057

Who do I contact for help?

• Eligibility, benefits or ID cards after Th. Sept. 4, 2014

Collegiate Risk Management

1-800-922-3420

http://www.collegiaterisk.com/

• Online Claims or Explanation of Benefits:

ASRM

1-800-359-3420

www.helpwithmyplan.com

Thank you for your time

stuins@andrews.edu

Extension 3790