Q: What is the policy number?
A: The 2009-2010 policy number is CVA209F.

Q: What is the effective date?
A: August 20, 2009.

Q: What is the policy expiration date?
A: August 20, 2010.
 
Q: How do I know if I am eligible to take the Student Accident & Sickness Insurance?
A: All registered students are automatically enrolled at registration, unless proof of comparable coverage is given.  Waivers must be submitted to EMU prior to September 20, 2009.

Q: Can I get the insurance to cover my spouse and/or children?
A: Yes. Eligible students who enroll may also insure their Dependents. Eligible Dependents are the spouse and unmarried children under 19 years of age who are not self supporting. Dependents eligibility expires concurrently with that of the Insured Student. For Dependent coverage and enrollment information, please call Bollinger, Inc. toll free at 1-866-267-0092, or print an Enrollment Application from the Student Insurance web site, www.BollingerInsurance.com/emu.

Q: Is there a deductible on this policy?
A: There is a $100 accident & $300 sickness deductible.

Q: With this insurance must I go to the University Health Center first?
A: No, but EMU asks that students report to Student Health Services first unless away from Campus or an emergency situation.

Q: How do I get an I.D. card?
A: Detach the I.D. card from the Enrollment Application and keep for your records.  Extra enrollment Applications are available on this site.

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

Q: Does this policy pay all medical bills in full?
A: No, 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 Bollinger, Inc. 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.

Q: Where do I get a claim form?
A: Print one from this website or call Bollinger, Inc. at 1-866-267-0092.  Claim forms will also be available at Eastern Mennonite University.

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. One Claim Form is needed per accident or illness. Subsequent itemized bills may be sent in without completing another Claim form, if they are related to the original claim.

Q: What is the policy's maximum benefit?
A: The maximum benefit is $75,000.

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. You may also send an e-mail to Jane Farrell of Bollinger, Inc. For further assistance you may contact Pat Furr at BB&T Insurance at 540-437-1300 or pfurr@bbt.com.

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