FAQ's
Q: What is the policy number?
A: CLA510H
Q: What is the effective date?
A:
August 1, 2011
Q: What is the policy expiration
date?
A: August 1, 2012
Q: If I missed the original
registration or waived coverage initially and now want the coverage, how do I go
about getting it?
A: Coverage becomes effective on that
date or the first day of the semester/session for which full premium is received
by the Company (or its authorized representative), whichever is later.
Q: How do I know if I am
eligible to take the Student Injury & Sickness Insurance?
A: All students carrying seven (7) hours
or more for the Fall and Spring Semesters, four (4) hours for Summer
Session) attending
Nicholls
State
University shall be
covered or protected by this plan anywhere at anytime
during the dates of the school’s
semesters. The purchase of insurance by students carrying less than seven hours
is optional.
Q: Can I get the insurance to
cover my spouse and/or children?
A: Students covered under this insurance
may also purchase coverage for their dependents. Dependents means the Insured’s
lawful spouse; unmarried children including stepchildren, foster children,
legally adopted children, children of adoptive parents
pending adoption proceedings, natural children, and unmarried grandchildren in
the legal custody of the Insured. Covered dependent spouses that are 50 years of age or greater may continue as insured when their eligibility for
coverage ceases under the policy due to the death of the student.
Additional information and enrollment
forms may be obtained from our local agent:
Gallagher Benefit Services, Inc./Sternfels
Insurance Division.
P.O. Box
5087,
Thibodaux,
LA
70302, (985) 446-5602.
Q: What does this insurance
cover?
A: The Student Injury and Sickness plan
covers medical expenses which arise from an accidental Injury or 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 may. However, you are
encouraged to go to the University Health Service Clinic first whenever possible
and then go to a physician participating in the First Health Preferred Provider
Network.
Click
here for a listing of Preferred Providers.
Q: Where do I get a claim form?
A:
Claim forms and instructions on claim procedure are available at the
University Health Service Clinic, or on this plan web site there is a link to
print a claim form, or you may contact Bollinger to have one mailed to you.
Q: Does this policy cover me for
my annual physicals?
A: No.
Q: Is there a deductible on this
policy?
A: There are deductibles for Outpatient
Expenses (waived if referred for treatment by the
Student Health Service professional
staff). Please read the BASIC
BENEFITS section of this plan for details.
Q: What if I am out of state
when I get sick or injured?
A: If away from school, consult a doctor
and follow his/her instruction. Notify the University Health Service Clinic as
soon as possible to file a claim.
Q: How do I get an I.D. card?
A: You will be mailed a permanent ID card.
Until then there is also a temporary ID card you may use that is attached to the
enrollment form in the plan brochure.
There is also a temporary ID card on this plan web site you may print and
use.
Q: What is the policy’s maximum
benefit?
A: The maximum benefit per Injury or
Sickness is $10,000. There are
internal limits and exclusions, so please read the entire brochure to know your
coverage.
Q: What do you pay for doctor’s
visits?
A: For a covered Injury or Sickness,
Doctor’s Visits are covered up to $20.00 per visit per day not to exceed
$200.00. Please read the plan
brochure to understand all the benefits and exclusions.
Q: If I have a specific question
about coverage who can I call?
A: You can call Bollinger Inc.
at 1- 800-526-1379 and ask to be connected to the College Department, or
you can e-mail Jane Farrell.
25399721