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COLLEGE STUDENTS


College Frequently Asked Questions - FAQ'S

If you need assistance beyond the responses provided below, please direct your inquiries to: 1-800-328-2739 or info@sas-mn.com

   Why should I consider student health insurance?
   How do I enroll in the student insurance plan?
   Can I enroll my family members in the student
     insurance plan?
   Do you pro-rate premiums?
   Can I get a refund?
   Will there be a break in my coverage if my premium      payment is a few days late?
   When I graduate, does my coverage expire?
   What's available for me if I don't qualify for student
     insurance?
   How can I tell if I am covered?
   What will I receive to prove I have coverage?
   Will I get a copy of my insurance master policy?
   How do I get a copy of my insurance card if I can't find
     mine?
   What does PPO mean?
   If I am ill or have an accident, what should I do?
   Do I have to use the student health service (SHS) at my
     school?
   What should I do if my student health center is closed
     or I am away from college?
   How do I know if a particular illness or injury is
     covered?
   When is a company claim form required?
   Is pre-certification of hospital admissions required?
   What happens if I am in a foreign country and I get
     sick or hurt? How do I handle my claim?



Q. Why should I consider student health insurance?

    As a student, you should review your personal situation
    to determine if you have adequate health insurance
    coverage. If you do not have a health insurance policy,
    you should seriously consider the student plan. Even if
    you have private insurance coverage, you should:

     Investigate what coverage you have, especially if you
      are now "out-of-area" for the HMO or health plan that
      covers you at home.
     Be aware of when you may no longer be covered by a
      parent's policy because of an age limitation.

    Insurance gives you the comfort of knowing that most of
    your medical bills will be covered if something were to
    happen to you.

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Q. How do I enroll in the student insurance plan?

    This process can vary from school to school. Some
    schools handle the enrolling of students through a
    designated office at the school. This is typically done
    through a waiver system in which you will be required to
    show proof of other coverage or you will be enrolled in
    the school-sponsored plan and premium will be added to
    your tuition fees. Many of our schools have their
    students voluntarily enroll through our website. Please
    go to your particular school under FIND MY SCHOOL and
    select the enrollment form to either print and mail or
    enroll online.
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Q. Can I enroll my family members in the student       insurance plan?

    Most of our policies offer dependent coverage (spouse,
    child, domestic partner). Please check your online
    brochure on this website to see if this is an option at
    your school. If it is an option, the enrollment form will
    have dependent choices available..

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Q. Do you pro-rate premiums?

    Premiums are only pro-rated if a student is a late
    enrollee and enrolls outside of the enrollment period.
    Late enrollee eligibility is addressed in your brochure.
    Special forms need to be sent to the student. Contact
    our office if you lose other insurance and need to be
    added to the student plan offered through your school.

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Q. Can I get a refund?

    A pro-rata premium refund will be made for the following
    situations only:
     A written notice is sent to Student Assurance Services
      including the date that you entered into full-time active
      military duty of any country.
     You are a non-immigrant Foreign National and have
      permanently left the North American continent. A copy
      of your airline ticket is required.

    Refunds may be subject to a $25 administrative fee.

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Q. Will there be a break in my coverage if my payment
      is a few days late?


    You will experience a break in coverage if premium
    payment is not received within the required grace period
    as determined by each state. A break in coverage will
    mean that claims occuring during the period of non-
    payment may be considered ineligible and a
    pre-existing condition exclusion may apply.

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Q. When I graduate, does my coverage expire?

    Your coverage will continue to the end of the coverage
    period for which you enrolled and have paid the required
    premium. For instance, if you paid the annual premium
    and you complete your education mid-year, your
    coverage continues to the expiration date of the policy
    period.

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Q. What's available for me if I don't qualify for student
      insurance?


    Please call our office at 1-800-328-2739 and we will do
    our best to assist you.

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Q. How can I tell if I am covered?

    Select FIND MY SCHOOL on the website and then select
    STUDENT LOGIN. Enter your name and member ID
    number found on your ID card. You can also check your
    enrollment status by calling or emailing our office at the
    contact information above.

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Q. What will I receive to prove I have coverage?

    You will be issued a personalized ID card within
    approximately 10 business days of receiving your
    enrollment form and premium payment. The card will be
    sent to the address that you listed on your enrollment
    form. If you need to access medical services prior to
    receiving your ID card, have your healthcare provider call
    our office to verify coverage. Our number is
    1-800-328-2739.

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Q. Will I get a copy of my insurance master policy?

    No. Your school's online brochure on this website
    contains the same benefit information as the master
    policy. The master policy is issued to your school. If you
    would like a copy of the master policy, please call or
    email our office at the contact information above.

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Q. How do I get a copy of my insurance card if I can't
      find mine?


    You can request an additional ID card by selecting
    REQUEST ID CARD under COLLEGE STUDENTS on our
    website. You can also call or email our office at the
    contact information above.

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Q. What does PPO mean?

    PPO means Preferred Provider Organization. This
    constitutes a group of healthcare providers that contract
    with a PPO and agree to give their patients discounts.
    Many of our policies offer a PPO. Your expenses are less
    if you select a Preferred Provider.

    Please check your online brochure to see if your policy
    uses a PPO. Under your school site on our webpage you
    can search under the PPO tab for participating providers.

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Q. If I am ill or have an accident, what should I do?

    If your school has a student health center (SHC) on your
    campus, you should report to them as soon as possible
    so that the proper treatment can be prescribed or
    approved. In the event of an emergency, proceed to the
    nearest health care provider and then visit your SHC for
    follow-up care (if applicable).

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Q. Do I have to use the student health center (SHC) at
      my school?


    No. However it will be to your advantage to receive
    non-emergency services at your school SHC. For outside
    care, the policy may require a referral from your SHC,
    limit your benefits or provide no benefits at all. Refer to
    your school's online brochure on this website to
    determine if your school has SHC requirements.

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Q. What should I do if my student health center is
      closed or I am away from college?


    Your policy covers you anywhere in the world, 24 hours a
    day. You should consult a medical professional and
    follow the advice given.

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Q. How do I know if a particular illness or injury is
      covered?


    Refer to the Medical Benefits schedule in the online
    brochure to determine the services covered and how
    benefits are considered under the policy. You should
    also review the Exclusion and Definition Sections of your
    brochure. If you have questions please call or email our
    office at the contact information above.

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Q. When is a company claim form required?

    Many times medical providers bill us for services. When
    they do and the information is complete, we are able to
    process the claim without a company claim form.
    However, we may need more information from you
    and/or your signature to obtain medical records. In
    these instances, we will request that you complete a
    company claim form. A company claim form should also
    accompany your request for reimbursement of charges
    for covered services you have paid for. Always enclose
    itemized bills and paid receipts. When an injury or
    accident occurs, it does expedite your claim to complete
    a claim form.

    To obtain a company claim form:
     Download a claim form from this website< br />      Complete the online claim form on this website
     Call or email Student Assurance Services at the contact
      information above.

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Q. Is pre-certification of hospital admissions required?

    Your plan does not require pre-certification of hospital
    stays. You should however, always consult your student
    health center (if applicable) to be sure the level of care
    you are receiving is appropriate.

    We do not provide verification or certification for medical
    treatment. Refer to the online brochure on this website
    for benefit information.

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Q. What happens if I am in a foreign country and I get       sick or hurt? How do I handle my claim?

    Most providers outside of the United States will not
    handle your insurance for you. You will need to pay your
    provider in full and file a claim with Student Assurance
    Services. Attempt to get a copy of your bill in English if
    possible. Make sure that your bill shows the dates of
    service and the types of services provided.

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These are the questions we hear the most. Please call us toll free at 1-800-328-2739, from 8 a.m. to 4:30 p.m. CST, if you don't find the information you need here.

 
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