Should I Waive Student Insurance Plan
New
Jersey State law requires that full-time matriculated students be covered by
health insurance. Seton Hall
University provides a group health insurance plan for undergraduate and graduate
students for which the fee is automatically billed along with tuition and other
fees. If you currently have health
insurance and are considering filing a
waiver form to be exempted from the
Student Insurance Plan, please ask your health insurance carrier the following
questions. Please note: to be
exempted from the Student Insurance Plan, a waiver form must be filed with
Enrollment Services for each academic year the student is enrolled.
Questions
to ask your insurance carrier:
1) Is the South Orange, New Jersey area included within your health insurance carrier’s benefit coverage area?
If not, then in effect you do not have health insurance coverage for
local providers while attending school, which is nine to eleven months out of
the year. Make sure you understand
where you will need to go for service and whether you will be required to return
home for service.
2)
Does your other health insurance carrier provide out of area
coverage only in case of emergency care? If
so, how do they define an emergency?
This may be your first extended stay away from home.
Illness that might seem quite critical in the middle of the night, may or
may not be considered an emergency by a health insurance carrier.
(Health Services is currently open during the academic year from 8 :45 am to
4:45 pm. Health Services is closed at all other times, including holidays
and when the University is
closed.)
3) Does your plan have a deductible? If so, how much is it and under what circumstances is it due?
Some deductibles are due annually, while others are due per occurrence
(accident or illness). (The Student
Insurance Plan for the South Orange Campus has no deductible.)
4)
To what age limit can students be covered under your current
health insurance plan?
You need to check your policy to make sure you will be covered.
Policies vary, and age limits and/or full-time student status may affect
your eligibility for coverage. This
may change at the end of a calendar year. (There
is no age limit for students in the Student Insurance Plan.)
5) Is the student required to contact the Primary Medical Provider before receiving emergency care?
(The Student Insurance Plan operates with the expectation that students
utilize Health Services for their primary medical care needs.
Emergency room coverage is provided for emergency situations.)
6) Is the student required to obtain a referral form from the Primary Medical Provider before he/she can see a physician, specialist or psychologist in the South Orange area?
Many health insurance plans and HMO’s require referrals forms from
the Primary Medical Provider in order for the services of specialists to be
covered. (The Student Insurance
Plan requires that students be seen at Health Services for non-emergency and
non-urgent situations. When a
referral off-campus is necessary, insurance coverage begins at the first visit.)
7) Does your health insurance cover emergency dental care?
(The Student Insurance Plan provides limited emergency dental care for
accidental injuries.)
8) Does your insurance carrier have a website that you can use as a resource?
(Details about the Student Insurance Plan are available at the Health Services website: http://studentaffairs.shu.edu/health/