Student Accident/Illness and Travel Abroad Coverage

 Accident/Illness Insurance

Rose-Hulman Accident and Illness insurance is underwritten through Commercial Travelers. Policy brochures, Network Physicians, HIPAA compliance forms, claim forms, claim status, as well as contact information, can be found on the carrier’s website http://www.studentplanscenter.com.

  1. Once at the carrier’s site, scroll through the college list and select either Rose-Hulman Domestic or International Student.  Click on the submit button.
  2. You are now taken to the “Welcome” page.  On the left hand side of the page are links to others areas within the site.

Rose-Hulman Accident/Illness Insurance is automatically charged to all students at the start of each school year.  In order to waive the student insurance charge, the student and/or parent will need to process an online waiver at the start of each school year.  The waiver will require the name of the insurance company/carrier, policy number, and group ID. A policy expiration date is only required if the other insurance in place is a COBRA policy or another accident/illness type of insurance.   Insurance waivers DO NOT carry over from year to year.  If the student has other health or accident/illness insurance and does not need the RHIT coverage, an electronic waiver must be completed each school year.  Instructions on how to waive coverage can be obtained by reviewing “How to Waive Student Insurance.”

Insurance coverage can be added or deleted (waived) at the start of any quarter.  Any waivers or additions submitted after the start of a quarter will be applied to the following quarter.  Insurance charges can not be pro-rated, backdated or removed from the student’s account after the start of the quarter.

The Rose-Hulman Accident/Illness policy is an excess policy that will pay eligible expenses after any other collectable insurance has been exhausted.  The bills incurred by the student must first be submitted to the family’s insurance policy for reimbursement.

Insurance cards along with an insurance packet are sent to students by campus mail in late September/early October each year.  As long as the student has been billed for student insurance coverage in spring quarter, they will have coverage in place through the summer months.  Policy effective dates will vary each school year so please review the student insurance brochure for policy dates or contact the Manager of Insurance and Risk Management at x8457 or by email.

Domestic Insurance Claim Procedures

A claim form must be completed and submitted to the insurance carrier at the address listed on the claim form.  Claim forms can be obtained outside the office of the Manager of Insurance and Risk Management (A101-Moench Hall) or by visiting the carrier’s website, www.studentplanscenter.com.

 

 

  1. Once at the carrier’s site, scroll through the college list and select Rose-Hulman Domestic Student.  Click on the submit button.
  2. You are now taken to the “Welcome” page.  On the left hand side of the page are links to others areas within the site.

Claims will not be paid unless an Institute claim form is completed and provided to the carrier.  The carrier will not accept a universal claim form from a provider. Please review the www.studentplanscenter.com located on our carrier’s website for a complete listing of basic and major medical benefits, exclusions, and claim procedures. 

The student insurance policy does not have a deductible.  If the medical service being provided is for an illness, the policy pays set dollar limits as noted in the student brochure up to $5,000 and then pays 80/20 up to $50,000 per injury.    If the medical service being provided is for an injury, the policy pays 100% of the URC (usual, reasonable and customary) charge up to $5,000 and then 80/20 up to $50,000 per injury.  The student has twelve (12) months from the date of service to submit all bills or requested documentation to the carrier.  Rose-Hulman does not accept or assume responsibility in the event a claim or service may be denied payment by the carrier. 

International Insurance Claim Procedures

A claim form must be completed and submitted to the insurance carrier at the address listed on the claim form.  Claim forms can be obtained outside the office of the Manager of Insurance and Risk Management (A101-Moench Hall) or by visiting the carrier’s website, www.studentplanscenter.com.

  1. Once at the carrier’s site, scroll through the college list and select Rose-Hulman International Student.  Click on the submit button.
  2. You are now taken to the “Welcome” page.  On the left hand side of the page are links to others areas within the site.

The international policy does have a policy deductible.  In order to decrease the deductible charge, an insurance referral letter should be obtained from our campus physician whenever medical services are referred off campus.  Please review the Deductible section in the Rose-Hulman International Student brochure, located on the carrier’s website, for an explanation of deductibles, exclusions, medical benefits and claim procedures.  Claims will not be paid unless an Institute claim form is completed and provided to the carrier.  The carrier will not accept a universal claim form from a provider.

The student has twelve (12) months from the date of service to submit all bills or requested documentation to the carrier.  Rose-Hulman does not accept or assume responsibility in the event a claim or service may be denied payment by the carrier. 

International JI-Scholar Coverage Only

http://www.acordia.com/colleges/products

From this link select “products” and then “International Medical Insurance” and apply online.

 

Student Insurance when Traveling Abroad

Medical coverage for traveling abroad is the responsibility of the student and can be purchased from any insurance agent or broker. The RHIT Student Accident/Illness insurance plan does cover medical fees (when billed in U.S. codes) while traveling abroad and also includes medical evacuation and repatriation of remains coverage.  The fees incurred while abroad will be paid directly to the student, no the medical provider, after all supporting documentation has been submitted to the student insurance carrier. Be aware, if the medical facility abroad can not convert the medical charges incurred to U.S. medical codes, the student insurance carrier will not be able to reimburse those expenses. 

Unless a special medical coverage abroad policy is purchased, the individual will most always be required to pay all medical fees upfront at the time of service and wait for reimbursement form any other medical policy in place. 

Student Travel abroad coverage can be obtained online through a number of insurance carriers such as CMI Insurance at www.cmi-insurance.com or by contacting your local Life/Health or Property and Casualty agent. 

 Miscellaneous Information

If you wish to contact the policy administrator of the Student Insurance plan directly, go to http://www.studentplanscenter.com and select “Rose-Hulman Domestic or International” from the school list.  Click on then submit button and then select “Agent of Record” from the left hand side of the “Welcome” screen

If you would like to locate a Network provider offered through the Student Accident/Illness carrier, please go to http://www.studentplanscenter.com and select Rose-Hulman Domestic or International” from the school list.  Click on the submit button and then select the “Find a Provider” link on the left hand side of the “Welcome” screen.

You DO NOT have to use a network provider in order to have coverage under the student insurance plan.  A network provider just offers a reduced rate with less out of pocket expense to the student.