General Questions Below are a list of questions asked about student insurance. To find the answer, click on the question. What is an accident & sickness policy? If I enroll in the plan when will my coverage become effective under the policy? Will I be notified that my premium has been received? Do I need to be referred by my Student Health Service or Infirmary in order to file a claim against the plan? What type of medical expenses are covered by the policy? What is a Benefit Period verses a Contract Year provision in the policy? What if a condition exceeds the benefit period or maximum amount payable? When an expense is incurred, do I pay the medical provider or does the insurance company? When an expense is incurred, do I need to file the claim or will the provider do it for me? If I have family insurance in addition to my student insurance and incur a medical expense, with which company should I file the claim first? If I do not enroll in the student insurance plan during the open enrollment period at the beginning of the year, can I enroll later? Plans say they pay for Usual, Customary & Reasonable (UCR) or Reasonable & Customary (R&C) charges. What does UCR or R&C mean and how is it determined?

These are general statements only and are not intended to reflect the insurance laws of any state or benefits of any specific policy. For details of your plan, review the brochure issued to your school.