Student Insurance provides the student worldwide protection, 24 hours a day. The Plan has a $100 deductible per diagnosis and pays up to 70% of eligible expenses for physician and hospital expenses, lab and x-ray, surgery, ambulance transport, physical therapy, maternity expenses, mental health, and substance abuse issues. The Student Insurance plan also covers prescriptions at the Medical Clinic, from SBL Prairie Pharmacy.
Unlike an HMO or PPO, the Plan does not have a network, giving 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. When you have other insurance, the Plan coordinates with the primary carrier. Student Insurance is an economical way to reduce or eliminate out-of-pocket expenses when family health plans do not cover 100% of medical costs because of deductibles, co-payment amounts, limitations on specific benefits, and out-of-network penalties. The Student Insurance Plan complements the family health plan. Most students find it beneficial to carry both, particularly if the family plan has a deductible and/or coinsurance.
You can find more information about the Plan at www.eiu.edu/studentinsurance or by contacting our office at 217-581-5290. There are 2 short videos on the website that do a nice job of explaining all about the Plan.
The Spring 2023 Student Insurance fee will be automatically assessed to students enrolled in an on-campus program taking 9 or more hours; graduate assistants under contract to the University; and international students enrolled in an on-campus program taking 3 or more hours.
Students wishing to waive the Student Insurance Plan must complete the Waiver Form available under the “My Health” tab in the students PAWS account. The deadline to waive coverage for the Spring 2023 semester is January 23, 2023.