Answers to Frequently Asked Questions
How do I...
...sign-up for coverage? How much does it cost? When does coverage begin?
Students who enroll for at least 9 on-campus hours, graduate assistants under contract, and International Students enrolled in a minimum of 3 on-campus hours are automatically assessed the fee for coverage. The fee is identified on the tuition and fee bill as “Student Insurance Fee”.
Students who enroll 6, 7, or 8 on-campus hours can purchase the coverage as a part-time student by completing an application (pdf) and submitting payment by Count Day of each Term.
When the student is covered by a primary policy, the Plan is considered secondary insurance and will coordinate with the primary policy to reduce or eliminate out-of-pocket expenses.
The Plan provides worldwide protection, 24 hours a day, and allows the student to choose any physician or health care provider.
...submit a claim? Do I need to contact your office before I go to the doctor?
It is always recommended you call our office to verify benefits and eligibility before your appointment, when possible. In the event of an emergency or treatment after hours, it is recommended you contact our office the next business day.
We recommend the students carry an insurance card (pdf) from both the primary and secondary insurance carriers so that this information is readily available when medical treatment is needed.
Students can complete a claim form (pdf) in the Student Insurance Office or download a claim form from the Student Insurance website. A new claim form is required for each injury or illness.
...get reimbursed for charges incurred at the Health Service?
Student Insurance provides benefits for off-campus treatment of an illness or injury when the Health Service is not available or does not offer the services a student needs.
Student Insurance does not provide benefits for treatment at the Health Service on campus. For more information about how to submit a claim to your primary carrier, contact Health Service.
In the event of a non-emergency, a Health Service referral is not required, however the student’s needs may be best satisfied and costs contained when the Health Service manages the treatment. When the student is covered under The Plan and is eligible to use the Health Service, this combination of care can minimize the out-of-pocket expenses.
...purchase coverage for my spouse and/or my dependents?
The University does not provide spouse or dependent coverage.
...cancel my student insurance coverage? Can I opt out of the Plan?
Students with equal or better health insurance coverage may apply for a waiver of the Student Insurance Fee. We urge that this action be considered only after careful study of the Plan benefits and consultation with the Student Insurance Office staff. Students must complete an Insurance Waiver Form and provide evidence of personal health insurance coverage (e.g., a copy of an insurance identification card and outline of coverage.
To be considered for a waiver, your other coverage must meet the following requirements:
- Provide benefits for medical treatment (not emergency only) within a 50 mile radius of Charleston, IL
- Provide at least 80% coverage within a 50 mile radius of Charleston, IL
- Provide a minimum benefit of $5000 or 10 outpatient office visits for mental health
- Deductible no greater than $1000/individual or $5000/family
The waiver form is available in the Student Insurance Office, or can be downloaded from our website.
The completed waiver form must be returned to our office along with the required proof of other medical insurance coverage postmarked no later than the waiver deadline.
Please note that students participating in the Intercollegiate Athletic Programs or Cheer Teams are ineligible for the medical coverage cancellation.
Waiving the Student Insurance fee does not exempt the student from the Health Service.
What you need to know before you opt out of the Plan and what is the benefit to carrying the Student Insurance as your secondary?
The family health plan may only cover the student while in the home area, or may reduce benefits when the student is treated away from home. When this happens, the student might be covered for medical emergencies only. This could leave the family with a large amount of out-of-pocket expenses for non-emergency or non-covered treatment. The student may even forego treatment rather than travel to a covered provider.
Unlike an HMO or PPO, the Plan does not have a network. This gives students a choice in their care and provides coverage for treatment the student receives while they are at home, at school, and wherever they may travel.
Student Insurance follows the student worldwide.
Reinstatement in the Plan during a Term
Reinstatement in the Plan during a Term will only be granted to students who become involuntarily ineligible for coverage under a group insurance plan (e.g., marriage, loss of employment, etc.). Students must be enrolled in, and have paid tuition and fees for 6 or more on-campus hours, complete an application, and make payment of the insurance fee within 31 days of the loss of coverage. Contact the Student Insurance Office.