Sarah Lawrence College
FREQUENTLY ASKED QUESTIONS

2016-2017 Academic Year

This information should be used in conjunction with the Student Health Sickness Insurance Plan brochure.

1. How do I know if I am eligible to enroll in the Student Health Insurance Plan?
2. How do I know if my current coverage is comparable coverage?
3. What is covered under the Student Health Insurance Plan?
4. Can I go to any health care provider?
5. How do I find a Network Provider?
6. Do I have to get a referral from the Student Health Service before seeking treatment elsewhere?
7. Am I covered for a pre-existing condition?
8. How do I fill a prescription?
9. When I receive services, how and where do I submit my bill?
10. Where and when will ID Cards be distributed?
11. What if I leave Sarah Lawrence College, will I get a refund?
12. Does this plan cover me when I am off campus during semester breaks or summer vacation?
13. Does the Student Health Insurance Plan cover me if I decide to study abroad?
14. What other plans and services are available to me as an enrolled student in the Student Health Insurance Plan?
15. Who do I contact if I have questions?

 

1.

How do I know if I am eligible to enroll in the Student Health Insurance Plan?

All registered students of Sarah Lawrence College are automatically enrolled in the Student Health Insurance Plan.

Students who do not want to be enrolled must submit a completed Waiver Form and provide proof of comparable coverage by August 1, 2016 for the Fall Semester, or by January 6, 2017 for students newly enrolled for Spring Semester. If you do not submit a completed Waiver Form by the waiver deadline date for the term you are enrolling in at Sarah Lawrence College, you will be responsible for the insurance premium posted to your student account.

2.

How do I know if my current coverage is comparable coverage?

For coverage to be comparable, the policy must: be in effect throughout the school year, provide comprehensive coverage of hospital (inpatient and outpatient) and physician services, provide coverage which is accessible to students in the New York area, and be underwritten by a U.S. based insurance carrier (foreign policies are not acceptable).

If you are not sure if your current insurance plan is comparable to the 2016-2017 Sarah Lawrence Student Health Insurance Plan, please determine if you have the following coverage...

  • Your coverage may end at age 26. Most health plans have age restrictions that limit coverage for dependents. Under the Student Health Insurance Plan, you’re covered for as long as you are a full-time student.
  • You may not be covered outside your State of permanent residency. Many health plans are regionally-based HMO type plans, and will only provide coverage if seen by a specified local provider. The Student Health Insurance Plan provides coverage on a nationwide basis with a comprehensive network of Preferred Providers available.
  • You may not be covered abroad. Under the Student Health Insurance Plan, you are covered if you travel in the U.S. or study abroad.
  • You may not have coverage for Mental Health or Counseling if your other coverage is just a basic health insurance plan. It is not uncommon for college-age students to need counseling benefits, and the Student Health Insurance Plan provides fairly extensive outpatient and inpatient Mental Health Benefits (please refer to brochure for specific benefits).
  • You may not have prescription drug coverage. Under the Student Health Insurance Plan, you pay a low flat fee (co-pay) each time you need to fill a prescription.

3.

What is covered under the Student Health Insurance Plan?

The chart below shows how the Plan pays benefits for the major types of health care expenses. You can see the difference in your cost when you use preferred providers. For more details about Plan benefits, provisions, exclusions, appeals and grievance procedures, disclosure information, and other plan features, be sure to see University Health Plan’s brochure or call them at 800-437-6448 to request a copy of the brochure, or to ask a question specifically about the 2016-2017 Sarah Lawrence College Student Insurance Plan.

2016–2017 Student Health Insurance Plan
At a Glance

Please Note:
- In-Network Charges are paid at the Preferred Allowance (PA).
- Out-of-Network Charges are paid at the Reasonable and Customary Rate (R&C).

Lifetime Maximum

Unlimited

Plan Deductible

$250 In-Network/$250 Out-of-Network Per Policy Year

Annual Out-of-Pocket Maximum

In-Network – $6,350 (includes coinsurance and copayments; does not include non-covered medical expenses or elective treatment.)

Referral Requirement

Out-of-Network – No Maximum

Referral from Student Health Services is required to receive the maximum benefits available under the plan.  If a referral is not received, payable benefits will be reduced significantly (details provided below). The Referral Requirement is waived under the following circumstances:

  • Medical Emergency (the student must return to SHS for necessary follow up care).
  • When the SHS is closed.
  • Medical Care received when the student is no longer eligible to use SHS due to a change in student status.
  • Gynecological Care, including Maternity Care.
  • Screening mammography.
  • When having a prescription filled under the pharmacy benefit.

If referred, benefits are paid at 80% PA In-Network and 60% R&C Out-of-Network.

If NOT referred, benefits are paid at 70% PA In-Network and 60% R&C Out-of-Network.

Type of Service or Supply

Benefit Level (Payable after the Plan Deductible has been met)

 

In-Network
Cigna PPO Network

Out-of-Network

Hospital Inpatient
(including Room & Board, ICU, Miscellaneous Charges, and Physician Charges)

Referred  –  80% PA
Non-Referred – 70% PA

Plan pays 60% R&C

Surgical Benefits
(Inpatient and Outpatient), including Surgeon, Assistant Surgeon, Anesthetist

Referred – 80% PA
Non-Referred – 70% PA

Plan pays 60% R&C

Outpatient Benefits
(including Physician Office, Lab and x-ray)

Referred – 80% PA
Non-Referred – 70% PA after $15 copay

Plan pays 60% R&C

Emergency Room (for treatment of an Emergency Medical Condition)

Plan pays 80% PA after a $100 copay per visit

Plan pays 80% R&C after a $100 copay per visit

Ambulance Expense

Plan pays 100% PA

Plan pays 100% R&C

Maternity Expense

Covered on the same basis as any other Sickness.

Covered on the same basis as any other Sickness.

Inpatient Mental Health and Chemical Abuse

Covered on the same basis as any other condition.

Covered on the same basis as any other condition.

Outpatient Mental Health

Plan pays 80% PA

Plan pays 80% R&C

Outpatient Chemical Abuse

Plan pays 80% PA

Plan pays 80% R&C

Prescription Drugs – Cigna Network

Plan Pays 80% after a $20 co-pay for Tier 1 medications, and a $30 co-pay for Tier 2 medications.

Participating pharmacies can be found at: https://hcpdirectory.cigna.com/web/public/providers

4.

Can I go to any health care provider?

You should always be seen at the Sarah Lawrence College Health & Wellness Center when possible to receive the maximum benefits available under the plan. You may see whichever provider you choose, however, if you choose to see a Preferred Provider, the benefits available under the Sarah Lawrence College Student Health Insurance Plan are significantly higher.

Sarah Lawrence College is pleased to announce that the Network has changed to the Cigna PPO for the 2016-2017 Plan Year.  To find a participating provider, please access the following website:

https://hcpdirectory.cigna.com/web/public/providers

The doctors and other health care providers who belong to Cigna PPO network are called preferred providers*. They include general practitioners and internists, as well as specialists, hospitals and other health care facilities. Because the network extends across the country, you'll find preferred providers locally as well as nationally.

Remember, using preferred providers saves you money because preferred providers agree to accept negotiated fees that may be lower than what non-preferred providers would charge. Also preferred providers do not charge more than the reasonable charge for a given service. The Plan pays benefits for reasonable charges only. If a non-preferred provider charges more than the reasonable charge allowance, you must pay the difference.

*Preferred providers are independent contractors and are neither employees nor agents of Sarah Lawrence College, University Health Plans, Inc. or AIG.

5.

How do I find a Network Provider?

To find a preferred provider on both a local and national basis, please visit:

https://hcpdirectory.cigna.com/web/public/providers, and choose the PPO, Choice Fund PPO.

6.

Do I have to get a referral from Student Health & Wellness Center before seeking treatment elsewhere?

You are not required to receive a referral from the Health & Wellness Center, however, if you do, the benefits payable under the plan are significantly better:

If referred, benefits are paid at 80% PA In-Network and 60% R&C Out-of-Network.

If NOT referred, benefits are paid at 70% PA In-Network and 60% R&C Out-of-Network.

7.

Am I covered for a pre-existing condition?

Yes, benefits are provided for pre-existing conditions on the same basis as any other covered Sickness or Injury.

8.

How do I fill a Prescription?

When obtaining a covered Prescription, please present your insurance ID card at a Cigna participating pharmacy, along with your applicable co-pay. The Pharmacy will bill Cigna for the cost of the drug, plus a dispensing fee, less the co-pay amount. Preferred Care Pharmacy locations can found via the following link:

https://hcpdirectory.cigna.com/web/public/providers, and choose the PPO, Choice Fund PPO.

If you fill your prescription at a non-Cigna pharmacy, you may be required to pay out-of-pocket and submit for reimbursement.  You can download a claim form at:

https://consolidatedhealthplan.com/files/pdf/Prescription%20Drug%20Claim%20Form.pdf

 When submitting a claim, please include all Prescription receipts; indicate that you attend Sarah Lawrence College and include your name, address, and student identification number.

9.

When I receive Medical or Mental Health services, how and where do I submit my bill?

All In-Network provider medical bills should be mailed to:

Cigna
P.O. Box 188061
Chattanooga, TN  37422-8061
Electronic Payor ID:  62308

If you receive treatment from an Out-of-Network provider, you may be required to pay for services out-of-pocket and submit for reimbursement.  You can download a claim form at:

https://consolidatedhealthplan.com/pdf/student_insurance_claim_form_113009.pdf

Please submit the claim form and receipts to the following address:

Consolidated Health Plans
2077 Roosevelt Avenue
Springfield, MA  01104
Toll Free: 800-633-7867
Local: 413-733-4540

If you have claims or coverage questions, please contact the Claims Administrator at the following address and phone number:

Consolidated Health Plans
2077 Roosevelt Avenue
Springfield, MA  01104
Toll Free: 800-633-7867
Local: 413-733-4540

Customer Service Representatives are available 8:00 a.m. to 4:30 p.m. (ET), Monday through Friday, for any questions.

  • Bills must be submitted within 90 days from the date of treatment.
     
  • Payment for Covered Medical Expenses will be made directly to the hospital or Physician concerned unless bill receipts and proof of payment are submitted.
     
  • When using a claim form, if itemized medical bills are available at the time the claim form is submitted, attach them to the claim form. Subsequent medical bills should be mailed promptly to the appropriate address listed above.

    In the event of a disagreement over the payment of a claim, a written request to review the claim must be mailed to Consolidated Health Plans within 60 days from the date appearing on the Explanation of Benefits (EOB).​

10.

Where and when will ID Cards be distributed?

Enrollees in the Student Health Insurance Plan will be issued a permanent ID card as soon as possible. The cards will be sent to the Sarah Lawrence College Student Accounts office. When the ID Cards are received, insured students will receive an email instructing them to pick up their card at the Student Accounts Office. If a student does not pick up their insurance ID Card within a week or two, the card will be sent to them via campus mail.

PLEASE NOTE:  STUDENTS WHO DO NOT COMPLETE A WAIVER FORM AND INCUR ANY SERVICES UNDER THE 2016/2017 SARAH LAWRENCE COLLEGE STUDENT HEALTH INSURANCE PLAN, INCLUDING PRESCRIPTION DRUGS, WILL BE RESPONSIBLE FOR THE FULL ANNUAL PREMIUM, AND MAY NOT LATER REQUEST A REFUND OF THE INSURANCE PREMIUM.

This card is for identification only. It is not a guarantee of eligibility or benefits. If you need medical attention before your permanent ID card is received, benefits will be payable according to the Policy. You do not need an ID card to be eligible to receive benefits.

For lost ID cards, contact:

- https://consolidatedhealthplan.com/members/online_id_card_login OR
- contact Consolidated Health Plans at 800-633-7867.

11.

What if I leave Sarah Lawrence College, will I get a refund?

Except for medical withdrawal due to a covered Accident or Sickness, any student who has not incurred any claims and who withdraws from school during the first 30 days of the period for which coverage is purchased shall not be covered under the Plan and a full refund of premium will be made. Students withdrawing after such waiver deadline date will remain covered under this Plan for the full period for which premium has been paid. No refund will be allowed.

A Covered Person entering the armed forces of any country will not be covered under the Policy as of the date of such entry. A pro-rata refund of premium will be made for such person upon written request received by University Health Plans, Inc. within 90 days of withdrawal from school.

12.

Does this plan cover me when I am off campus during semester breaks or summer vacation?

Yes, the Student Health Insurance Plan provides coverage from August 15, 2016 to August 14, 2017 for students enrolled in the Fall Semester. New Sarah Lawrence College Students enrolling for the Spring Semester will have coverage from January 1, 2017 through August 14, 2017. You will be covered for eligible expenses whether you are on campus or traveling nationwide.

13.

Does the Student Health Insurance Plan cover me if I decide to study abroad?

Yes, the Student Health Insurance Plan provides worldwide coverage. Please refer to the plan brochure for specific benefits. The plan provides additional Worldwide Assistance, Medical Evacuation and Repatriation of Remains benefits.

14.

What other plans and services are available to me as an enrolled student in the Student Health Insurance Plan?

The Student Health Insurance Plan is more than comprehensive health coverage. It also offers you these important programs, services, and benefits:

  • Emergency Travel Assistance Services
    (Provided by Travel Guard)
    If you have a medical emergency while traveling outside of your home country, or more than 100 miles from home or campus, you can take advantage of emergency assistance services provided by Travel Guard. These services are available 24 hours a day, 365 days a year and include medical consultation and evaluation, medical referrals, travel advisories and much more.
  • Medical Evacuation and Return of Mortal Remains Services
    (Provided by Travel Guard)
    If you need medical care that is not available locally, Travel Guard will provide the transportation, personnel and equipment needed to get you to the nearest facility capable of providing the required care. In the event of your death, Travel Guard will provide assistance in returning your mortal remains.

For more information about the benefits and programs described above, visit the University Health Plans website at www.universityhealthplans.com, and select the link for Sarah Lawrence College.

15.

Who do I contact if I have questions?

For questions about:

Please contact:

  • Insurance Benefits
  • Claims Processing
  • Lost ID Card

Consolidated Health Plans, Inc.
2077 Roosevelt Avenue
Springfield, MA 01104
Toll Free: 800-633-7867
Local: 413-733-4540
www.chpstudent.com

  • Student Health Services
  • Immunizations
  • Referral Information

Sarah Lawrence College Health & Wellness Services
914-395-2350
https://www.sarahlawrence.edu/health-and-wellness/

  • Enrollment Process
  • Waiver Process

University Health Plans, Inc.
One Batterymarch Park
Quincy, MA 02169-7454
Phone: 800-437-6448
Fax: 617-472-6419
www.universityhealthplans.com
Email: info@univhealthplans.com

  • Listing of Preferred Providers

https://hcpdirectory.cigna.com/web/public/providers, and choose the PPO, Choice Fund PPO.

 

  • Status of Pharmacy Claim
  • Pharmacy Claim Forms
  • Excluded Drugs
  • Member Pharmacies

Consolidated Health Plans, Inc.
2077 Roosevelt Avenue
Springfield, MA 01104
Toll Free: 800-633-7867
Local: 413-733-4540
www.chpstudent.com

A list of participating pharmacies can be found via this link:

https://hcpdirectory.cigna.com/web/public/providers, and choose the PPO, Choice Fund PPO.

  • Travel Assistance Services

Travel Guard
Inside the US or Canada call toll-free:  877-305-1966
Outside the US, call collect: 715-295-9311