Health Insurance
Update: June 1, 2009
Insurance Updates and Changes for Fall 2009
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 $490.00.
Participation in the Plan will be mandatory for full–time students unless evidence of coverage is provided. Student will be allowed to waive off 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 6-Sept 18, 2009. For waiver and/or additional information, please visit www.eiia.org/luther or view the document at this link.
Claim Procedures
In the event of an accident or sickness, you should:
- 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.
- File all charges with your primary insurance carrier first. If you are insured by an HMO/PPO, you must secure preauthorization for all services rendered or benefits will be reduced by 50%.
- If the other insurance does not pay the entire bill, secure a claim form and instructions from Student Health Services or on your institution's website, fill in the necessary information, attach all itemized medical bills along with the explanation of benefits from your primary carrier (if you have other insurance) and mail them to the address on the claim form or the claims administrator below.
NAHGA Claim Services
PO Box 189
Bridgeton, ME 04009
Phone: 800-952-4320
Fax: 207-647-4569
E-mail: eiia@nahga.com
Questions or concerns about the coverage should be directed to EIIA’s Student Team at 1 (888)-260-7415.
View the Luther College 2009-2010 Student Accident and Sickness Plan Summary here.
To Apply for Coverage
To apply for coverage after the September 18 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