Update: June 1, 2011

Insurance Updates and Changes for Fall 2011

Luther College is concerned with the overall health of its students and the impact the economy has had on the availability health insurance. Luther College is pleased to announce the implementation of a new Student Accident & Sickness Plan that has been designed for both insured and uninsured students.

Students with no primary coverage will find that the plan compliments the services provided through the Student Health Center.

Students covered by another insurance plan should determine if there are any changes in coverage while away from home. There may be specific procedures required for access to non-emergency services, in addition to any deductible and co-pay obligations. Luther College supported Student Accident & Sickness Plan may be a wise investment as these costs may be covered by the Plan. The plan is NOT intended to replace an existing major medical plan as some of the outpatient benefits are limited; however, it is a great opportunity to supplement existing coverage.

Students engaged in intercollegiate sports and are covered under an athletic policy only are covered for accidents that occur while engaged in intercollegiate sports. They are not covered for strep throat, viral infections or pre-existing conditions. For this reason, we strongly encourage participation in the Student Accident & Sickness Plan.

The Plan covers sickness as well as accidents on a 24-hour basis, both on and off campus for the entire 12-month academic year. The annual cost of the Plan is $524.00.

Participation in the Plan will be mandatory for full–time students unless evidence of coverage is provided. Students will be allowed to waive the Student Accident & Sickness Plan by going to the Luther College website and completing a waiver form with detailed primary insurance information. The waiver form will become available July 15, 2011. For waiver and/or additional information, please visit www.eiia.org/luther. For students entering J-term, you will need to waive out by the January 17, 2012 deadline.

Claim Procedures

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