Coverage of any dependents is optional for U.S. citizens and permanent residents.

1. You are required to maintain coverage as long as you have an I-20/IAP-66 for Andrews University and remain in student status.
2. 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.

1. 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.
2. Some 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.
3. 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.
4. 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 arrangements.
5. 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.

1. Minimum coverage of $50,000 USD for both accident and illness.
2. If you take a policy with a deductible, this must be less than $500.
3. Hospitalization must cover a per day minimum of $1,100 USD and ICU charges of $1,500 USD per day.
4. The policy should cover physician office visits.
5. For international students (F and J visa holders), the policy should include a repatriation & medical evacuation benefit of at least $10,000.

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 for payment.

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 per visit.

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.

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.

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:

• Total bill $200.00
• Co-Pay $150.00
• Remainder $ 50.00

Insurance Pays $35.00
You would pay another $15.00

(In network 80%)

Insurance Pays $40
You would pay another $10

Visits to the Emergency Room are very expensive!!!!!

Refrain from going unless it is a true emergency.