If there are questions about the policy, please feel free to call Margaret E. Kellogg, Insurance Coordinator for assistance 474-7043.

Policy       Domestic    Spouse or      Each        All

Period   or Internatl     Partner         child        children
                           
Annual   $1,688        $5,643       $2,417         $5,562
Fall            615          2,056           881           2,027
Spring       611          2,041            874          2,011
Spring/Summer 1,073 3,587        1,536          3,535
Summer    463         1,546             662          1,524

There have been many changes to the policy so it's imperative that you read through the policy

completely.  We will do our best to answer your questions, please call Margaret at 474-7043.

Pre-existing Condition means: 1) the existence of symptoms which
would cause an ordinarily prudent person to seek diagnosis, care or
treatment within the 12 months immediately prior to the Insured's Effective
Date under the policy; or, 2) any condition which originates, is diagnosed,
treated or recommended for treatment within the 12 months immediately
prior to the Insured's Effective Date under the policy.
Exclusions and Limitations
No benefits will be paid for: a) loss or expense caused by, contributed
to, or resulting from; or b) treatment, services or supplies for, at, or
related to:
1) Acne; allergy, including allergy testing;
2) Addiction, such as: caffeine addiction; non-chemical addiction,
such as: gambling, sexual, spending, shopping, working and
religious; codependency;
3) Learning disabilities;
4) Biofeedback;
5) Durable Medical Equipment;
6) Circumcision;
7) Congenital conditions, except as specifically provided for Newborn
or adopted Infants;
8) Cosmetic procedures, except cosmetic surgery required to correct
an Injury for which benefits are otherwise payable under this policy
or for newborn or adopted children;
9) Dental treatment, except as specifically provided in the Schedule of
Benefits;
10) Elective Surgery or Elective Treatment;
11) Eye examinations, except as specifically provided in the Benefit for
Well-baby Exams, eyeglasses, contact lenses, prescriptions or
fitting of eyeglasses or contact lenses, vision correction surgery, or
other treatment for visual defects and problems; except when due to
a disease process;
12) Foot care including: care of corns, bunions (except capsular or bone
surgery), calluses, unless related to a covered disease process;
13) Hearing examinations, except as specifically provided in the Benefits
for Newborn Infant Hearing Screening, or hearing aids; or other
treatment for hearing defects and problems. "Hearing defects"
means any physical defect of the ear which does or can impair
normal hearing, apart from the disease process;
14) Hirsutism; alopecia;
15) Immunizations; except as specifically provided in the policy;
preventive medicines or vaccines, except where required for
treatment of a covered Injury or as specifically provided in the policy
or except as specifically provided in the Benefits for Well-baby
Exams;
16) Injury or Sickness for which benefits are paid or payable under any
Workers' Compensation or Occupational Disease Law or Act, or
similar legislation;
17) Injury sustained while (a) participating in any interscholastic,
intercollegiate, or professional sport, contest or competition; (b)
traveling to or from such sport, contest or competition as a
participant; or (c) while participating in any practice or conditioning
program for such sport, contest or competition;
18) Organ transplants, including organ donation;
19) Outpatient Physiotherapy; except for a condition that required
surgery or Hospital Confinement: 1) within the 30 days immediately
preceding such Physiotherapy; or 2) within the 30 days immediately
following the attending Physician's release for rehabilitation; or when
referred by the Student Health and Counseling Center;
20) Participation in a riot or civil disorder; commission of or attempt to
commit a felony;
21) Pre-existing Conditions, except for individuals who have been
continuously insured under the school's student insurance policy for
at least 12 consecutive months. The Pre-existing Condition
exclusionary period will be reduced by the total number of months
that the Insured provides documentation of continuous coverage
under a prior health insurance policy which provided benefits similar
to this policy; (This exclusion will not be applied to an Insured Person
who is under age 19);
22) Prescription Drugs, services or supplies as follows:
a) Therapeutic devices or appliances, including: hypodermic
needles, syringes, support garments and other non-medical
substances, regardless of intended use (except as specifically
provided in the Benefits for Treatment of Diabetes);
b) Immunization agents, biological sera, blood or blood products
administered on an outpatient basis;
c) Drugs labeled, “Caution - limited by federal law to
investigational use” or experimental drugs;
d) Products used for cosmetic purposes;
e) Drugs used to treat or cure baldness; anabolic steroids used
for body building;
f) Anorectics - drugs used for the purpose of weight control;
g) Fertility agents or sexual enhancement drugs, such as Parlodel,
Pergonal, Clomid, Profasi, Metrodin, Serophene, or Viagra;
h) Growth hormones; or
i) Refills in excess of the number specified or dispensed after one
(1) year of date of the prescription;
23) Reproductive/Infertility services including but not limited to: family
planning; fertility tests; infertility (male or female), including any
services or supplies rendered for the purpose or with the intent of
inducing conception; premarital examinations; impotence, organic or
otherwise; tubal ligation; vasectomy; sexual reassignment surgery;
reversal of sterilization procedures; except as specifically provided in
the policy
24) Routine Newborn Infant Care, well-baby nursery and related
Physician charges except as specifically provided in the policy;
25) Routine physical examinations and routine testing; preventive testing
or treatment; screening exams or testing in the absence of Injury or
Sickness; except as specifically provided in the policy; or except as
specifically provided in the Benefits for Well-baby Exams;
26) Services provided normally without charge by the Health Service of
the Policyholder; or services covered or provided by the student
health fee;
27) Skeletal irregularities of one or both jaws, including orthognathia and
mandibular retrognathia; temporomandibular joint dysfunction;
deviated nasal septum, including submucous resection and/or other
surgical correction thereof; nasal and sinus surgery, except
treatment of chronic purulent sinusitis;
28) Skydiving, parachuting, hang gliding, glider flying, parasailing, sail
planing, bungee jumping;
29) Sleep disorders;
30) Supplies, except as specifically provided in the policy;
31) Surgical breast reduction, breast augmentation, breast implants or
breast prosthetic devices, or gynecomastia, except as specifically
provided in the policy;
32) Treatment in a Government hospital, unless there is a legal obligation
for the Insured Person to pay for such treatment;
33) War or any act of war, declared or undeclared; or while in the armed
forces of any country (a pro-rata premium will be refunded upon
request for such period not covered); and
34) Weight management, weight reduction, nutrition programs,
treatment for obesity, surgery for removal of excess skin or fat.