Drew University

STUDENT ACCIDENT & SICKNESS INSURANCE PROGRAM
2010-2011 Academic Year

Important Information about Student Health Insurance

New Jersey law mandates all full time college students to have health insurance coverage. Matriculated Drew students are eligible to participate in the Student Accident and Sickness Insurance Program. The Health Insurance charge appears on the semester statement of charges mailed in July. Students are required to either enroll in the student health plan or waive out of the plan if they have comparable insurance coverage by August 5th. Failure to complete the online enrollment or waiver form will result in delays checking into campus housing and registering.

We strongly recommend that all undergraduate resident students enroll in the student insurance plan, even if they live in New Jersey. This is because many family plans only cover “true emergencies” when students are away from home; restrict specialist consultations, lab work, or x-rays to in-network facilities; have high deductibles; or risk losing the family plan if the student fails to maintain full time enrollment status. This has inconvenienced students and burdened families who are responsible for arranging services off campus. Purchasing the student insurance assures access to local care, eliminates the trouble of pre-certification from family insurance companies, reduces paperwork for the students, and remains in effect should the student have to leave the university. Many resident students find it cost-effective and convenient to be enrolled in both the student plan and their family insurance plan, especially if they are athletes. The student insurance works anywhere in the United States and is in effect for 12 months. The annual cost is $613 for undergraduates and $1,522 for graduate, theological and CUE students. The health insurance plan can be viewed at www.universityhealthplans.com. Optional catastrophic benefits and coverage for dependents are also available by contacting University Health Plans directly.

We understand that health insurance can be a costly and confusing matter. When considering your enrollment options some of the desirable features of the student plan include:

• No deductibles or restrictions on providers
• No pre-certifications required for lab, x-ray, referrals, or hospitalizations
• Basic Plan is in effect for 12 months and pays covered expenses to $50,000, extension of this coverage is available with the optional supplemental benefit
• Enrolled students can purchase an optional catastrophic benefit that will increase coverage to $200,000
• Basic Plan covers 80% of outpatient diagnostic testing or emergency room expense at any licensed facility (up to $500 of the maximum will be paid at 100% if referred by Drew Health Service)
• Excellent emergency room coverage when referred by Drew Health Service, Counseling Service, or Public Safety
• Students will not be billed for most laboratory tests, allergy shots, routine gynecological care and testing, asthma and other treatments, and most prescription medications that are obtained and dispensed at the Health Service (except immunizations and contraceptives).

Instructions for enrolling or waiving the student health insurance plan can be found at the “forms’ menu of the Campus Web https://campusweb.drew.edu/. Students that fail to enroll or waive the plan will automatically be billed for the student insurance plan on their fall semester tuition bill.

Students do not have to carry the student plan in order to use Drew Health Service. For more information about services that are available on campus, about insurance needs for international students and athletes, or about eligibility to purchase the student insurance plan please visit the health service web site at www.depts.drew.edu/health.

Joyce L. Maglione
Director of Health Service