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Frequently Asked Questions
• Why should you consider student health insurance?
• How do I enroll 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 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 policy?
• How do I get a new ID card if I can't find mine?
• If I am ill or have an accident, what should I do?
• Do I have to use the student health service 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 my particular illness or injury is covered?
• When is a claim form required?
• Is pre-certification of hospital admissions required?
Q. Why should you consider student health insurance?
Students should review their personal situation to determine if they have adequate health insurance coverage. Students without private health insurance 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, and
· Be aware of when you may no longer be covered by a parent's policy because of an age limitation.
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Q. How do I enroll in the student insurance plan?
You can download a brochure and enrollment form from this website, or you can call Student Assurance Services, Inc. at 651-439-7098 or 1-800-328-2739 for a brochure/enrollment form. Students wishing to enroll in the plan should refer to the plan brochure for specific guidance on benefits, premiums or enrollment. However, in general, students must submit a completed enrollment form and the appropriate premium (for the coverage period requested) to:
Student Assurance Services, Inc.
P.O. Box 196
Stillwater, MN 55082-0196
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Q. Do you pro-rate premiums?
Only the enrollment option described in the enrollment form may be used in purchasing coverage. Please refer to your brochure for these options.
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Q. Can I get a refund?
A prorata premium refund will be made for the following situations only; if the Plan Administrator receives a written notice, including the date of occurrence that You have entered into full-time active-duty military service of any country; or You are a non-immigrant Foreign National and have permanently left the North American continent. Refunds are 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 suffer a break in coverage if payment is not received within the required period of time of the Expiration date of the prior coverage period. A break in coverage will mean that claims incurred during that period of non-payment may be considered ineligible and the pre-existing condition exclusion will once again apply.
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Q. When I graduate, does my coverage expire?
Graduation does not necessarily mean that your coverage has expired. Your coverage will continue until the end of the coverage period for which you enrolled. For instance, if you paid the annual premium but graduate at mid-year, your coverage will continue until the expiration of the policy period.
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Q. What's available for me if I don't qualify for student insurance?
Call Student Assurance Services, Inc. at 1-800-328-
2739. We will assist you in finding temporary insurance.
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Q. How can I tell if I am covered?
Enter the student login section of this website and enter
your name and member ID number found on your ID
card. This function will allow you to check on your
coverage status. You may also call or e-mail: Student
Assurance Services, Inc., 1-800-328-2739,
info@sas-mn.com.
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Q. What will I receive to prove I have coverage?
Your enrollment will be processed as soon as we receive your enrollment information and the appropriate premium. You will be issued a personalized ID card within approximately 10 business days. If you need to access medical services before you receive your personalized card, please have your health care provider call Student Assurance Services, Inc. at 1-800-328-2739 to verify coverage.
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Q. Will I get a copy of my insurance policy?
A master policy is issued to your school. You can review the master policy at your school or on this website. However, the brochure contains most of the information that is in the master policy.
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Q. How do I get a new ID card if I can't find mine?
Enter your information in the ID card request section of this website and a new ID card will be issued. You may also request a new card from Student Assurance Services, Inc. via e-mail or phone: info@sas-mn.com or 1-800-328-2739. Please allow 10 business days for your ID card to arrive. If you need to utilize services before your receive it, please ask your provider to call Student Assurance Services to verify coverage.
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Q. If I am ill or have an accident, what should I do?
Report to your student health center immediately so that proper treatment can be prescribed or approved. In the event of an emergency, proceed to the nearest health care provider and visit your student health center for follow-up care.
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Q. Do I have to use the student health service at my school?
No. However, it will be to your advantage to utilize services provided at your school.
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Q. What should I do if my student health center is closed or I am away from college?
You are covered anywhere in the world, 24-hours a day. You should consult a medical professional and follow his or her advice.
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Q. How do I know if my particular illness or injury is covered?
Refer to the Medical Benefits Schedule in your brochure to determine coverage and Covered Services. You should also review both the Exclusions section of your brochure and the definition of a pre-existing condition to understand what conditions are not covered. If you have any questions, you may contact Student Assurance Services, Inc. via this website or our 800 number and talk with a claims analyst.
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Q. When is a claim form required?
Many times providers bill us for services. When they do and the information is complete, we are able to process the claim without a claim form. However, we may need more information from you and/or your signature to obtain medical records. In these instances, we will send you a claim form to complete. A claim form should also accompany your request for reimbursement of charges for covered services you have paid. (Please enclose itemized, paid receipts)
Claim forms can be obtained several ways: (1) download a claim form from this website, (2) use the online claim form on this site, (3) request a claim form from this website, (4) pick up a claim form at your school, or (5) e-mail or phone Student Assurance Services at: info@sas-mn.com or 1-800-328-2739.
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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 service to be sure the level of care you are receiving is appropriate.
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