FREQUENTLY ASKED QUESTIONS

Q: What is the policy number?
A: The 2011 - 2012 policy number is C0H303H.

Q: What is the effective date:
A: August 10, 2011 at 12:01 a.m.

Q: What is the policy expiration date?
A: August 10, 2012 at 12:00 a.m.. Even if you leave school or graduate, your coverage will remain in force until that date.

Q: If I missed the original registration or waived coverage initially and now want the coverage, how do I go about getting it?
A: Contact the Office of the Registrar as (419)-783-2551 or registrar@defiance.edu

Q: How do I know if I am eligible to take the Student Accident & Sickness Insurance?
A: If you are a full time student taking 12 or more credit hours, part-time student taking 6 or more credit hours, or graduate student, you are eligible.

Q: Can I get the insurance to cover my spouse and/or children?
A: Yes, the cost to cover your spouse is $1,707.00 annually.  The cost to cover each child is $1,233.00 annually.

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: Can I go to any doctor?
A: Yes you can. However, the Insurance Company does work with First Health, a Preferred Provider Organization network of physicians and hospitals. Going to a First Health Network Physician or Hospital would in most cases result in lower charges which would directly lower any co-payments that you would have to pay. Please contact the Health Center at Defiance College for more details on the network, or visit the First Health Directory on the web to find a provider.

Q: Where do I get a claim form?
A: You can pick up a claim form at the Health Center or you can print one from this link.

Q: How do I file a claim?
A: Attach your bills to a completed Claim Form and mail to Bollinger, Inc., P.O. Box 727, Short Hills, NJ 07078-0727. Only one claim form is needed per Injury or Sickness. Subsequent itemized bills may be sent in without completing another claim form. Just indicate that you are a Defiance College Student and the date of your Injury or Sickness.

Q: Does this policy cover me for my annual physicals?
A: No.

Q: Is there a deductible on this policy?
A: No, there is no deductible and this insurance is primary, so you need not go to any other applicable insurance before collecting under this plan.

Q: With this insurance must I go to the College Health Center first?
A: You are encouraged to go the University Health Center first whenever that is possible. No payment will be made for services normally provided without charge by the Health Center.

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

Q: How do I get an I.D. card?
A: ID cards are incorporated into the brochure and this web site. Please click here to print one for your records.

Q: What is the policy's maximum benefit?
A: The maximum benefit is $50,000.00

Q: What do you pay for doctors visits?
A: Inpatient- physician expenses are limited to one visit per day.  The maximum we will pay is $35.00 per visit up to $350.00 in total.  Outpatient- physician expenses are paid under Miscellaneous Expenses.

Q: If I have a specific questions 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. You may also send an e-mail to Jane Farrell of Bollinger, Inc.

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