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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
• 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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