Q: What is the policy number?
A: CMS309I
Q: What is the
effective date?
A: 6/30/2012
Q: What is the policy expiration
date?
A: 8/20/2013
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 Millsaps College Student
Health Services Office.
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. Eligible Dependents are the
spouse and children up to 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 you
can. Discounts on fees for medical services are available through
our Preferred Provider Network,
First Health. Visit the web site for a directory of providers.
Q: Where do I get a claim form?
A: You can pick up a claim
form at the Millsaps College Student Health Services Office or you
can print one
from this link or one will be sent to you on first notice of a claim.
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 Millsaps 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 a $50 deductible for each
Injury & Sickness for the Basic coverage. There is a $200 deductible
for the Major Medical coverage.
Q: With this insurance must
I go to the University Health Center first?
A: No, however students are encouraged to use
the Student Health Center whenever possible.
.
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 Mississippi.
Q: How do I get an I.D. card?
A: Additional I.D. cards are available at the Student Health Services Office.
Q: What is the policy’s
maximum benefit?
A:
Basic Medical
Expense: After a $50 deductible, payment
will be made up to a maximum of $1,000.00 for medical expense resulting from
each Injury or Sickness occurring during the term insured. Benefits are
payable at 90% in-network and 70% out-of-network.
Major Medical:
After a $200.00 deductible has been paid,
payment will be made for medical expenses incurred in excess of $1,000.00
for an Injury or Sickness, up to a combined maximum of $10,000 payable under
this benefit for each Injury or Sickness. Benefits are payable at 70%
in-network and 50% out-of-network.
Optional catastrophic may be
purchased by completing the enclosed enrollment form and paying an
additional premium. Optional coverage (dependent and/or catastrophic) must
be purchased at the same time as the Basic & Major Medical coverage. After
charges are paid under the Basic and Major Medical benefits, the plan will
then pay 100% of all remaining charges up to a $50,000 per Injury or
Sickness (including Basic and Major Medical benefits). If this benefit is
purchased coverage for Medical Evacuation and Repatriation are included.
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.
LL#25763167