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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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