Claim Procedures 2011-2012

In the event of an accident or sickness, you should:

1. Report your accident or sickness to the Student Health Services. A REFERRAL must be secured from the Student Health Services for outpatient treatment, except: a) In case of an emergency; b) When the Student Health Services is closed or between semester breaks or during the summer.
2. File all charges with your primary insurance first. If you do not have other insurance, follow instructions on filing a claim form. If your claim form is sent to the insurance company without the proper authorized health service signature your claim will be paid at only 50%.
3. Once your primary insurance has paid their part and there is a remaining balance, a claim form will need to be filled out and attach an "Explanation of Benefits" from your primary insurance company and mailed to NAHGA claim services which can be found below or on your claim form. In order to assure maximum payment an authorized health service personnel must sign off on the claim form prior to mailing claim form. For further information on how to file a claim view the information on this pdf document.  

Questions or concerns about the coverage should be directed to EIIA’s Student Team at 1 (888)-260-7415.

To Apply for Coverage:

To apply for coverage after the September 17 deadline please contact EIIA at:

EIIA
200 S. Wacker Drive, Suite 1000
Chicago, IL 60611
Phone: 888-260-7415
Fax: 312-648-0311
E-mail: jpearson@eiia.org

Health Insurance Information 2012-13

We would like to outline health care services provided by Luther College and to give you an important update regarding student health insurance plans.

Our Health Service offers valuable benefits to students. Unlike many colleges, Luther's Health Service is open long hours, students can be seen on a walk-in basis, and they can see a physician rather than being referred off campus. Access to quality health care providers is one of the tangible ways Luther provides a full-service residential experience to students.

Health Service appointments are available free of charge to all students as part of their comphensive college fee. Certain services, procedures, supplies or medications come with a charge.

Because many injuries and illnesses require more extensive care, we feel strongly that students should be covered under some form of health insurance. no one needs high medical bills added to the expense of a college education.

Enrolling in a student health insurance policy has been one way to secure additional coverage. However, due to the recent changes resulting from the Health Care Reform Act, the Department of Health and Human Services has ruled that student insurance policies must meet all the requirements of a regular health insurance plan. Unfortunately this has meant a significant increase in the cost of such plans.

Because of the Health Care Reform Act and subsequent increase in the cost of the student health insurance plans, Luther College will not offer a sickness and accident insurance plan to students for the 2012-13 school year, therefore you will not see insurance fees from Financial Services on student statements.

Fortunately the Affordable Care Act allows students to stay on their parents health insurance policy through the age of 26 (through their 26th year). We hope all students will remain on their parents' policies, providing the parents have insurance. Please review your family health insurance policy to ensure the coverage is adequate to meet your student's health needs. If you belong to an HMO, be aware of restrictions and limitations for medical or pharmaceutical services provided outside your HMO area.

If your family does not have health insurance, we recommend your student get covered through a private plan. You can contact the following companies directly:

A&J Petersburg                        563-382-3627

Midwest Group Benefits           563-382-9611

Associated Insurance Plans     800-452-5772 Ext 1219

We are committed to the health and wellbeing of Luther students and appreciate your partnership in making sure students have adequate insurance coverage. If you have questions, please call JoEllen Anderson RN, ARNP or Pamela Novotny, Administrative Assistant, at Luther College Health Service, 563-387-1045.