Q. What is the effective date?
A. August 20, 2011 for students selecting annual coverage. Please see the brochure for other coverage periods (See sample brochure under "Brochure").

Q. If I missed the original registration or waived coverage initially and now want the coverage, how do I go about getting it?
A. You should send your check for the applicable premium directly to Bollinger, Inc./ATT.: College Dept., 101 JFK Parkway, Short Hills, NJ 07078. Your coverage will begin on the date we receive your payment.

Q. How do I know if I am eligible to take the Student Injury & Sickness Insurance?
A. If you are a full-time or qualifying part-time student carrying 6 or more credits at Andrews University you are required to either purchase this insurance plan or provide proof that you are enrolled in comparable coverage for the full academic year.

Q. Can I get the insurance to cover my spouse and/or children?
A. Yes.

Q. What does this insurance cover?
A. This insurance covers medical expenses which arise from an accidental Injury or a Sickness which occurs while you are covered under this program.

Q. Does this policy pay all medical bills in full?
A. In most circumstances, it will not. There are exclusions and limitations in the policy, so you will need to refer to the brochure.

Q. May I go to any doctor?
A. Yes, you may. However, in a non-emergency situation you are encouraged to go to the Health Center first whenever possible, and then to University Medical Specialists, or a physician participating in the First Health Preferred Provider Network (See listing of preferred providers under "First Health").

Q. How do I file a claim?
A. Send all itemized bills to Bollinger, Inc., P.O. Box 727, Short Hills, NJ 07078-0727. A claim can also be filed on this website.

Q. What if I am out of state when I get sick or injured?
A. This insurance plan will cover you for any illness or Injury which occurs out of state. You must follow the same procedures in filing a claim as if it had happened here in Michigan.

Q. How do I obtain an I.D. card?
A. An ID Card will be sent to you by Collegiate Risk Management shortly after the University sends a plan enrollment list to Bollinger, Inc.

Q. What is the policy’s maximum benefit?
A. The maximum benefit is $25,000.  An Optional Major Medical benefit is available through Collegiate Risk Management.  This optional major medical benefit is not associated with Bollinger, Inc. or Monumental Life Insurance Company in any way.

Q. If I have a specific question about coverage who can I call?
A. You can call Bollinger, Inc. at 1-866-267-0092 and ask to be connected to the College Claims Department and speak to Jane Farrell.

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