County College of
Morris Accident & Sickness Policy
(FAQ's) Frequently Asked Questions
Q: What is the policy number?
A: The 2012-2013 policy number is C502I.
Q: What is the effective date:
A: August 30, 2012 at 12:01am or the date Bollinger Inc. receives your premium check,
whichever is later.
Q: What is the policy expiration
date?
A: August 30, 2013 at 12:00am. Even if you leave school or graduate, your coverage
will remain in force until that date.
Q: How do I know if I am eligible
to take the Student Injury & Sickness Insurance?
A: All full time and part time students are eligible and enrollment is conducted
by the college.
What constitutes full-time?
Full time student enrollment is handled through the college.
What constitutes part-time?
Part time students should enroll directly through Bollinger.
Q: Can I get the insurance
to cover my spouse and/or children?
A: Yes, only dependents of full-time students are eligible for insurance.
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 review and
select your brochure
.
Q: Can I go to any doctor?
A: Yes you can. However, the Insurance Company does work with the Consumer
Health Network (CHN) which is the largest Preferred Provider Organization
network of physicians and hospitals in New Jersey. Going to a
CHN 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 the College for more details on the network.
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 County College
of Morris Student and the date of your Injury or Sickness.
Q: Does this policy cover
me for my annual physicals?
A: For all persons age 20 and older, an annual consultation and tests are
covered under the policy.
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. However, it is not mandatory in order to be covered by
this insurance plan.
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 New Jersey.
Q: How do I get an I.D. card?
A: I.D. cards are attached to the Student Insurance Program brochure you
receive at the beginning of the school year.
Q: What is the policy's maximum
benefit?
A: The maximum benefit is $50,000.
Q: What do you pay for doctors
visits?
A: The allowance will be $50 for the first qualifying visit and $25 for
each subsequent visit, up to a $250 maximum for any one Sickness.
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 Dept, or you can send an e-mail to
Jane Farrell
25764038