Student Insurance Common Mistakes
The Student Insurance Plan, like any insurance plan, has certain policy provisions, exclusions and limitations that the insured student must know and comply with to ensure that claims are not delayed or denied. There are some common mistakes that insured students make when utilizing the Student Insurance Plan.
1. Not using the Student Health Center first when required.
The Student Insurance Plan requires that students use the services of the Student Health Center (SHC) FIRST where treatment will be administered or a SHC Referral issued. Medical expenses for which no prior approval or SHC Referral is obtained will be excluded from coverage. Exceptions to this requirement are when it is a Medical Emergency (students must return to the SHC for follow-up care); when the SHC is closed; when service is rendered at another facility during a school break or vacation period (university is closed); when the medical care received is more than 10 miles from campus; when the student is no longer eligible to use the SHC due to a change in student status; maternity; or psychotherapy.
2. Not reading your plan brochure and knowing your policy provisions.
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3. Not responding to the Insurance Company's request for additional information in a timely manner.
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4. Not using a Preferred Provider.
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5. Not knowing what your care options are or where to go?
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6. Using the Emergency Room for non-medical emergencies.
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