FAQs
Q: What is the policy number?
A: The 2012 - 2013 policy number is C517I.
Q: What is the effective date:
A: June 30, 2012 at 12:01am.
Q: What is the policy expiration
date?
A: June 30, 2013 at 12:00am. 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: You can send your check with the annual premium amount of $45.00 directly
to Bollinger Inc./ATT: College Dept. 200 Jefferson Park, Whippany, NJ 07981.
Your coverage will begin on the date we receive your payment. If you want
coverage for the second semester only, the cost is $38.00
Q: How do I know if I am eligible
to take the Student Injury & Sickness Insurance?
A: All full
time students carrying twelve or more credits are eligible to purchase
this insurance.
Q: Can I get the insurance to
cover my spouse and/or children?
A: No.
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 group master policy, so you will need to refer to the brochure (See
sample brochure under "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-insurance or co-pays that you would have to pay. Please contact
the Health Center at Essex County 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 Essex County
College 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.
(See
brochure or Master Policy for
details.)
Q: Is there a deductible on
this policy?
A: No, there is no deductible.
Q: With this insurance must
I go to the College Health Center first?
A: You are encouraged to go the College 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: It is attached to your Student Injury & Sickness Brochure. You
can cut it out and carry it with you.
Q: What is the policy's maximum
benefit?
A: The maximum benefit is $50,000.
Q: What do you pay for doctors
visits?
A: For Sickness the policy covers you beginning with the second visit when
hospital confinement is not required or with the first visit when hospital
confined. Allowance will be $50.00 for the first qualifying visit and $50.00
for each subsequent visit up to a $5,000 maximum benefit per Sickness. A
visit to the school doctor will be considered the first call, when the school
doctor makes a referral. For Injury the policy covers you beginning with
the first visit on a Usual & Customary fee basis, not to exceed $5,000 for
any one Injury.
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 or you can e-mail
Jane Farrell.
25758490