Q: What is the policy number?
A: CVA213I
Q: What is
the effective date?
A: 6/30/2012
Q: What is the policy
expiration date?
A: 8/1/2013
Q: If I missed the original
registration or waived coverage initially and now want the coverage,
how do I go about getting it?
A: Please contact the
Hampden-Sydney Business Office at 434-223-6223.
Q: How do I know if I am eligible
to take the Student Injury & Sickness Insurance?
A: All
students are eligible.
Q: Can I get the insurance to
cover my spouse and/or children?
A: Yes. Eligible students
enrolled in this insurance plan may also insure their dependents
(see brochure for details). Eligible Dependents are the
spouse and children under 26 years of age. Dependent Eligibility expires concurrently
with that of the Insured Student.
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: There are exclusions and limitations
in the policy, so you will need to refer to the brochure (See
sample brochure under "Brochure").
Q: Can I go to any
doctor?
A: Yes. However, if you see a physician from First
Health, our nationwide network, your fees and out of pocket
costs will be less.
Q: Where do I get a claim form?
A: You can print a claim form from this link or pick up a
claim form at the Hampden-Sydney College Student Health
Center.
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 Hampden-Sydney
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:
There is no deductible for Injury related benefits. However,
there is a $25 deductible per Sickness.
Q: With this
insurance must I go to the College Health Center first?
A:
No, however the student is strongly encouraged to use the resources of the
Health Center first where treatment will be administered, or
referral issued. A Hampden-Sydney College referral for
outside care is not necessary for emergency medical services.
Please see brochure for details.
Q: What if I am out
of state when I get sick or injured?
A: 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 in Virginia.
Q: How do I get an
I.D. card?
A: Additional I.D. cards are available at the
Student Health Center or one can be printed from this website.
Q: What is the policy’s maximum benefit?
A: Basic
Medical Expense:
Injury Benefit: Payment will
be made up to a maximum of $2,500 ($5,000 for Intercollegiate
Sports on an excess basis) for each Injury incurred provided
such treatment begins within 90 days after the onset of the
Injury.
Sickness Benefit: Payment will be made
after a $25.00 deductible (per Sickness) has been met up to
$1,000 for each Sickness.
Optional Major Medical:
After benefits are paid under the Basic Benefits, and after
the Insured has satisfied a $100 deductible, the plan then pays
80% of all remaining eligible expenses up to a policy maximum
of $10,000 (including Basic Benefits).
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.
25738225