FAQ

FREQUENTLY ASKED INSURANCE QUESTIONS

PLEASE REFER TO THE STUDENT INSURANCE BROCHURE FOR LIMITATIONS AND EXCLUSIONS BEGINNING ON PAGE 11.

Q: What does the insurance cover? 

A:  This policy is designed to cover minor illness and injury.  It pays 80% of Usual and Customary charges,   after your deductible has been paid, to off set the cost of medical care when used at community clinics.

Q:  What does Usual and Customary mean?

A:  Usual and customary charges are calculated at 80% of the average cost for a procedure.  This average is based on the cost of similar procedures done for our location.

Q: What does a pre-existing condition mean?

A:  Any illness or injury that a person may have prior to obtaining this policy.  A student must be on this policy continuously for one full year before a pre-existing condition will be covered, unless they have had prior insurance coverage directly before this policy went into effect.

Q:  Does this insurance cover dental?

A:  There is very limited dental coverage because this is not a preventative coverage policy.  It will help off set the cost if there is damage to a sound natural tooth, or abscessed/impacted wisdom teeth.

Q:  Does it cover contacts or eye exams for glasses?

A:  No, because it is not a prevention type of insurance.  It will cover an eye injury up to the terms of the policy as an injury or illness.