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Health Insurance

Claim Procedures 2013-2014

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, or b) when Health Service is closed or between semester breaks or during the summer.

NAHGA Claim Services
PO Box 189
Bridgeton, ME 04009
Phone: 800-952-4320
Fax: 207-647-4569
Email: eiia@nahga.com

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

Health Insurance Information 2013-14

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 to all students. Certain services, provider appointments, 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 2013-14 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 well being of Luther students and appreciate your partnership in making sure students have adequate insurance coverage. If you have questions, please call Pamela Novotny, Administrative Assistant, at Luther College Health Service, 563-387-1045.