Frequently Asked Questions
About Student Health Insurance

Q: If I am already covered by my family's health insurance, is there a reason that I should also consider taking the College's insurance as well?

A. This is a matter of convenience and privacy.  When you are sick, the last thing you want to do is think about saving receipts, processing claims, sending information home to your parents, etc.  If you purchase the College's Health Insurance Plan, fees for the College doctor's visits, dispensed medications, in-house lab tests, and psychiatric consults done through Student Health Services will be processed for you.  If you do not purchase the College's Health Insurance Plan, these charges will appear as a "Health Service Fee" on your College bill.  You will need to submit receipts for claims to your parents' insurance company to seek reimbursement. 

Q: If I decline the student health insurance, can I still use the College's Student Health Services?

A. Yes, all full-time students may use the Student Health Services.  However, if you decline the Colleges Health Insurance Plan, MD visits or any other charges such as in-house labs or certain dispensed medicines will be charged to your student account and a coded receipt will be given to you to submit to your insurance for reimbursement. It is advisable to fax a copy of your insurance/pharmacy card to Student Health whether or not you take the offered college plan. (860-439-5430 fax).

Q: What is not covered by the Student Health Insurance?

The plan does not cover some immunizations, routine physical exams, or most screening tests. There is an $8 co-pay for MD visits and a $10-15 co-pay for prescription medications as well as a $50 co-pay for use of the Emergency Room (applies only to sickness, not accidents). Like all policies, this policy has ceilings and coverage limitations. Please review the policy description for further details.

Q: Why can't you process my private insurance?

Our 1800 students, from 43 states and 71 countries, are enrolled in hundreds of different health plans. Unfortunately, we do not have the staff or specialized insurance knowledge necessary to process claims under so many different plans. 

Q: After I have explored all my options and if I decide that I do not want to purchase the College's insurance, what do I do?

You complete the "online waiver" or contact Bailey Agencies at 800-321-4449. Insurance consultants contracted by the College will determine if your coverage is comparable to the College's health insurance, thereby making you eligible for the waiver.

Q: Will I have the opportunity to decline the insurance now and accept it later?

A. If your family's coverage changes due to employment or other domestic reasons, we can enroll you at a later date.

Q: If I need a referral to a specialist, can I get one without the insurance?

Your personal insurance may require a referral from your primary provider at home; we will assist you in trying to obtain this approval.

Q: If I am studying away in the spring, may I purchase the insurance for the fall semester only?

No, you may not purchase the insurance for the fall semester only.  In order for us to maintain the low premium, the single semester option is limited to the spring.

Q: If I am studying away in the fall, can I wait to purchase the insurance for the spring semester?

Yes, you may purchase the insurance in January which will provide coverage through August 15, 2009.

Q: If I want to know the charges on a student bill that relate to health services can I request an explanation?

A. We will be happy to provide an explanation of any charges to the student. Due to confidentiality, we cannot talk to parents without written permission from the student.

Q: If I am studying away in the fall, will this insurance cover me?

A. Yes.

Q: Does the insurance go through the summer?

A. Yes, the insurance provides annual coverage from August 15 - August 15 each year.

Last Modified: Thursday, June 26, 2008 15:27