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EIU Student Insurance

Answers to Frequently Asked Questions

What is Student Insurance?

 Student Insurance Scenarios and Examples

How do I...

.... obtain a Student Insurance ID card

Students can access their Student Insurance card via PAWS, under the MyHealth tab. Simply click on the Student Insurance Card link. Please share the information on the insurance card, along with any primary insurance information, with all medical providers to ensure prompt claim processing.


...sign-up for coverage? How much does it cost? When does coverage begin?

Students enrolled in an on-campus program who enroll for at least 9 hours, Graduate Assistants under contract, and International Students enrolled in an on-campus program who are taking 3 or more 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 in 5 or more hours (any program format) can purchase the coverage as a part-time student by completing an Enrollment Form and submitting payment by Census 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?

Students are encouraged to contact the Student Insurance Office at 217-581-5290 when medical appointments are scheduled or as soon as possible following any medical visit. We will work with you to ensure providers have our claims address.

We recommend the students carry an insurance card (see Student Insurance ID Cards above) 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.


...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 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 each semester.


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 5 or more hours, complete an application, and make payment of the insurance fee within 31 days of the loss of coverage. Contact the Student Insurance Office for more information.


For more questions about the Plan's benefits, eligibility, provisions, limitations and exclusions, and other features, e-mail us, call us at 217-581-5290, or stop by our office located on the 3rd floor of the Student Services Building. Please note, student-specific claim or eligibility questions cannot be answered via email due to privacy concerns.

Our office hours are 8:00 a.m. to 4:30 p.m. Monday through Friday during the regular academic year. During the summer our hours are 8:00 a.m. to 4:30 p.m. Monday through Thursday, and 8:00 a.m. to 12:00 p.m. on Friday.

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