Health Insurance FAQ's
Top Ten FAQ's about the Student Health
- If I get sick, can I just go to any doctor
that I want?
- Yes, as long as the provider you
choose is in the network.
- What if I am not at school and I get sick or
injured and need to see a doctor?
- If you become sick or injured when you
are away from school, just go to your family physician or nearest
hospital if needed (remember the provider you go to needs to be in
the network for the insurance company to pay full
- If I go to the doctor, do I just give them
this card, and will everything be paid for?
- Yes, unless the provider requires a co-pay
to see you and that will also apply to an emergency room visit. You
will need to check and see if your provider is in the Beech Street
Network. If your provider is not in the network, then the insurance
company will not pay the full benefits. The provider may ask you to
pay the entire visit up front if they are not in the network. If
this happens, just keep your receipts and then you can send the
receipt to the insurance company for reimbursement, if you haven't
exceeded your limit. (The insurance company will pay the first
$500.00 at a 100% if they approve the sickness or injury).
- Will the doctor's office accept this little
- Yes, this card will be your permanent ID
card for the school insurance coverage. If the provider has a
question about your eligibility for insurance coverage, just have
them call the Blue Raider Sports Medicine and ask for Terri at
(270) 384-8238 to answer any questions they may have.
- Does my insurance pay for prescriptions if I
need to go to the pharmacy?
- No, not up front. You will have to pay for
your prescriptions up front (as if you don't have insurance
coverage). You will need to keep the register receipt and the
prescription label and then you can mail back to the insurance
company. If the amount is in your first $500.00, then you will be
reimbursed the amount of your prescriptions.
- A friend of mine has another student
insurance plan at another college, but it only covers him if he is
at school. Is this plan like that?
- No, this is a comprehensive health plan- it
covers you for one full year. It starts on August 1, 2013 and will
cover you until August 1, 2014. This insurance only covers sickness
only. This means that any preventive care (such as pap smears,
mammograms, allergies etc.) will not be covered. Our insurance
company also doesn't cover pre-existing conditions, until you are
covered for a total of 12 months with our school insurance
- If I forget to go and see the nurse or
athletic trainer, will my plan still cover me?
- No, this plan only works if you have a claim
form and referral filled out from The Blue Raider Sports Medicine.
The exception will be if it's an emergency or if the office on
campus is closed. In that case, just go to the Blue Raider Sports
Medicine as soon as you get a chance to fill out the claim form.
For example, if you are treated in the emergency room for a cold
problem that you have had for several days, this would not
constitute an emergency. Therefore, the insurance company would not
cover this care. Now, if you had a high fever with a severe
headache and flu-like symptoms that occurred on a Saturday
afternoon, then you should go to the emergency room for care. This
care should be covered (if they approve the care).
- Does this plan cover dental and eye care?
- No, this sickness plan does not cover
routine dentistry or eye care.
- If I lose my insurance coverage through a
personal plan or through a parent, can I pick up the school
- Yes, but only if your coverage has been
involuntarily terminated due to no fault of the insured student,
which includes coverage that terminates due to a loss of employment
by spouse or parent or if the student exceeds the age limit of a
- If I have another insurance plan, but I want
to get this plan, can I?
- Yes, you can. In this case, the school
insurance would become a "secondary" insurance coverage to your
personal coverage that you have at the time of admissions. Your
primary coverage will be billed first for services and then the
school insurance would be filed second. Many people are considering
this coverage, since this plan is relatively inexpensive, and you
can easily go over $215.00 in co-pays and other costs if you have a
This plan makes it very important for the student to be aware of
his/hers needs and to seek the appropriate care in a timely