Top Ten FAQ's about the Student Health Insurance Coverage

1. If I get sick, can I just go to any doctor that I want?
   • If you become sick or injured you need to go first to see the school nurse or athletic trainer at the Blue Raider Sports Medicine. This person may be able to help you first, or they can direct you to a doctor or nurse practitioner who is on the provider list. You must have a claim form and a referral from the Blue Raider Sports Medicine for the insurance to cover your office visit. If you become sick at night, weekends or on holidays and cannot wait until the Blue Raider Sports Medicine is open, you must seek care on your own, but go to Blue Raider Sports Medicine the next available day to report your sickness or injury so you can fill out the claim form and get a referral.
     
2. 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, first check to see if there is a provider in your area who accepts Beech Street Corporation Plan. You can do this by going to www.Beechstreet.com. If there is no participating provider in your area, you will still get coverage; it will just be at a lower percentage of payment.
3. 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).
4. Will the doctor's office accept this little hand-written card?
   • 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.
5. 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.
6. 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 10, 2010 and will cover you until August 10, 2011. 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 coverage.
7. 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).
8. Does this plan cover dental and eye care?
   • No, this sickness plan does not cover routine dentistry or eye care.
9. If I lose my insurance coverage through a personal plan or through a parent, can I pick up the school insurance plan?
   • 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 policy.
10. 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 serious illness.

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 manner.