Why must I be insured?
It is a requirement of the university that all students enrolled for more
than 6 credits be insured by a policy that covers accidents and illness.
Since many students are away from home for the first time it is important
that there is some way to pay for these unexpected needs when or if they
Coverage of any dependents is optional for U.S. citizens and
I am an international student. Are the insurance requirements the same
Two differences exist for the international student:
New International Student Orientation
- You are
required to maintain coverage as long as you have an I-20/IAP-66 for
Andrews University and remain in student status.
- You are required
to maintain the same coverage for any dependents that accompanied you. If
you have family members arriving during the school year it is your
responsibility to inform Student Insurance of their arrival. It is also
your responsibility to make sure that you are continuously covered by us
or another insurance policy as well as providing the required proof of
coverage to the university in the required time.
Will the student insurance cover if I am pregnant?
The Insurer will pay the actual expenses incurred as a result of
pregnancy, childbirth, and miscarriage. Conception must have occurred
while the Covered Person was insured under the Policy. Please be advised
that certain limitations and restrictions apply. For more details, see
the Student Insurance Brochure.
Does the student insurance cover for the cost of dental treatment?
The student insurance will not cover any dental care or treatment other
than the care of sound, natural teeth and gums required due to any injury
resulting from an accident while you are insured under this policy, and
rendered within 12 months of the accident. The maximum amount the student
insurance will pay for such an injury is $500. In addition, there is a
limit of up to $100 per tooth for the removal of impacted wisdom teeth.
Does the student insurance policy cover any cost of eye examinations or
The student insurance policy does not cover for eye examinations,
prescriptions or fitting of eyeglasses and contact lenses or other
Treatment for visual defects and problems. Treatment for injuries to the
eye or for infections of the eye would be covered under the student
insurance policy, but must be rendered by a medical physician and is
subject to the limitations of the policy.
Since Andrews University has a "Hard Waiver" policy, what do I need to
provide to Student Insurance as proof of other coverage?
You will need to complete the waiver form when you register online.
Please make sure that you accurately complete all necessary insurance
information, based on your current coverage.
have any questions, you may call us at (269) 471-3097 or send an email to firstname.lastname@example.org.
- Some insurance policies are not valid outside the
state where they were issued. Please check on this with your insurance
carrier before you attempt to use their policy as proof.
insurance covers at a much reduced rate outside of your coverage area.
Make sure that if this is the case with your policy that the coverage
amounts are sufficient.
- Medicaid from states other than Michigan
is not accepted by health providers except for emergencies. Because of
this medicaid cards from states other than Michigan will not be accepted
as proof of insurance.
- Proof of insurance is not a phone call to
Student Insurance informing us that you do have other insurance and to
not place an insurance charge on your account. Although this appears
convenient and easy, the proof requirement has not been met. You are
still required to complete the online waiver at registration time. If you
require time to meet the proof requirements please make the proper
arrangements with our office. Do not wait until the last few days before
insurance charges will be posted to your account to make these
- If you would like to take care of the insurance
waiver process before the start of the term you may do so online once
financial registration for that semester has opened.
I do not have a copy of my insurance with me and it is registration time
now. How do I register?
Any exceptions to the student insurance registration waiver process must
be done at the Student Insurance Office on the 2nd floor of the
Administration Building. Should you fail to bring in the necessary proof
of insurance in by the agreed upon date, you are giving us permission to
charge you for an non-refundable annual insurance policy. Please stay in
touch with the Student Insurance office until the required proof of
insurance has been supplied. You are responsible for any communications
and/or verifications made to our office.
I have Michigan medicaid. Can I use this as my proof of insurance?
Yes. Michigan medicaid is accepted. But since medicaid is granted on a
month by month basis you are required to bring your current medicaid card
in to our office at the beginning of each term. Failure to provide this
information in any term will result in a charge for insurance from that
term through the remainder of the school year and is not refundable!
I signed up for the insurance offered. How do I know if I really am insured?
When you registered, if you chose the Student Insurance Policy, the dates
of the coverage should have been listed. Your student insurance choice
should still be available to view when you visit Registration Central.
The annual policy requires you to do nothing further and provides
coverage for the entire school year.
Where is my insurance valid?
Your insurance was designed to be used world wide. To ensure greater
savings, please check to see if a provider is on the PPO Network www.BollingerInsurance.com/andrews.
I have no insurance card. What do I do?
Insurance cards are issued by Collegiate Risk Management and are sent to the address you provided to the Records office.
If you lose your card or do not receive it please contact the Student Insurance Office via email at email@example.com or call Collegiate Risk Management at 1.800.922.3420 and ask for a card to be sent to your address.
Can I purchase insurance for each term?
This option is available. Please see the Student Insurance Brochure for
I would like to purchase insurance other than that offered by the
university. Are there minimum requirements for insurance that need to be met?
Yes, there are some basic guidelines:
- Minimum coverage of
$50,000 USD for both accident and illness.
- If you take a policy
with a deductible, this must be less than $500.
must cover a per day minimum of $1,100 USD and ICU charges of $1,500 USD
- The policy should cover physician office visits.
- For international students (F and J visa holders), the policy should
include a repatriation & medical evacuation benefit of at least $10,000.
I now have other insurance. Can I get a refund on the remainder of my
Payments received by Bollinger are fully earned upon receipt. A refund of
the payment will be considered only as specifically provided in the case
of withdrawal from school within the first 31 days or entry into the
Armed Forces. No other refund will be allowed.
When do I fill out a claim form? Where do I get claim forms?
Bills sent directly by physicians and hospitals will be processed by
Bollinger, Inc. However, after review, Bollinger, Inc may contact the
Covered Person and ask him/her to complete a claim form or a
questionnaire to get further information about the claim. Reimbursement
for prescriptions must be accompanied by a claim form. Claim forms are
available at www.BollingerInsurance.com/andrews
File claims within 30 days of injury or first treatment of sickness. Bills
must be received by Bollinger within 90 days of service to be considered
How much does a physician visit cost me?
A visit to the University Medical Center costs $15.00 USD per visit. This
is your co-payment amount.
Otherwise, in-network and out of network,
the co-pay is $30.00 USD every time you see the doctor. In addition, if
you visit an Emergency Room or Walk-in Clinic, the co-pay is $150.00 USD
What is a co-payment?
A co-payment is the part of your medical bill that you are responsible
for. Another name for this is a deductible.
What is accident and illness insurance? What does it cover?
This is health insurance that covers you if you get sick or hurt. It does
NOT cover physicals, immunizations, or anything that would be considered
something to keep you or your dependents healthy.
Please pick up a copy
of the policy at the student insurance office as it has a list of things
that you should know ahead of time that are not covered as well.
The doctor said the insurance would pay...but they didnt, why?
A doctor may reccomend treatment that he feels is necessary, but that
treatment may not be covered by the insurance. It is his job to help you
but he does not always know what your insurance will or will not cover.
It is your responsibility to know your policy and to understand what is
Also Bollinger will send you a letter after you vist the
doctor to ask you if your condition is pre-existent or an injury. You
have to make sure that you respond to that letter so that Bollinger can
go ahead and pay your claims.
What is a network and why is it important to me?
A network is a group of doctors and/or hosptials that have made an
agreement with an insurance company. We have two networks this year. The
local one includes Lakeland Hospitals, and there is another for outside
our local area. Both are listed in your policy.
In network the coverage
is 80% of usual and customary charges up to $5,000 and 90% up to chosen
policy limit. Out of network it is 70% of Reasonable expenses up to
$5,000 and 90% up to chosen policy limit.
Example of ER visit:
(Out of network 75%)
- Total bill $200.00
- Co-Pay $150.00
- Remainder $ 50.00
Insurance Pays $35.00
You would pay another
(In network 80%)
Insurance Pays $40
You would pay
Visits to the Emergency Room are very expensive!!!!!
Refrain from going unless it is a true emergency.