When can I enroll in the Student Medical Insurance Plan?
Enrollment for the Student Medical Insurance Plan can be done during pre-registration on-line. If you want to enroll later, for Annual or Fall coverage, you may enroll until September 5, 2008. The enrollment deadline for Spring/Summer coverage is January 23, 2009. You may enroll at Health and Wellness Services, located in the Washington Building Room #100AA and 100AB, by e-mail at student.insurance@wsu.edu, or call the Student Insurance Coordinator at (509) 335- 8216.
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If I have an existing condition prior to the effective date of the Student Medical Insurance Plan, will the condition be covered?
There is no coverage for Pre-existing Conditions during the first 3 months following a Covered Person's effective date of coverage under the Policy. This limitation will not apply if, during the period immediately preceding the Covered Person's effective date of coverage under the Policy, the Covered Person was covered under prior Creditable Coverage for 3 consecutive months. Prior Creditable Coverage of less than 3 months will be credited toward satisfying the Pre-existing Condition Limitation. The Covered Person must provide proof of Creditable Coverage.
A Covered Person whose coverage under prior Creditable Coverage ended
no more than 63 days before the Covered Person's effective date under
the Policy, will have any applicable Pre-Existing Condition Limitation
reduced by the total number of days the Covered Person was covered by
such coverage. If there was a break in Creditable Coverage of more than
63 days, the Company will credit only the days of such coverage after
the break. See "Pre-Existing Condition Limitation" in Policy
Brochure for details.
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What do I do to keep my continuous coverage so that my existing conditions are not considered pre-existing?
To keep continuous coverage once you have purchased the Student Medical Insurance Plan, you need to re-enroll prior to the start of the upcoming semester. Obtain enrollment information online at www.hws.wsu.edu/Student_Info/insurance.htm or (509) 335-8216. You may NOT continue your coverage on a self-pay basis after you separate from Washington State University.
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How and when can I cancel my Student Medical Insurance Plan?
You can cancel your Student Medical Insurance Plan by calling or visiting Health and Wellness Services, or by sending us an email at: student.insurance@wsu.edu with your request to cancel, including your name and student identification number. The cancellation deadline for Fall or Annual coverage is September 19, 2008. The cancellation deadline for Spring/Summer coverage is February 6, 2009. You will be enrolled in the plan and required to pay the premium if your cancellation is not requested by these deadlines.
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I will be an exchange student to a different country. Will the Student Medical Insurance Plan cover me?
Yes, the Student Medical Insurance Plan provides worldwide coverage.
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When will my coverage begin?
Your coverage will begin on the Sunday before
classes begin if you sign up for the coverage prior to this date. If
you sign up for coverage after this date, then your coverage will begin
the day after your sign-up date. See "Coverage Dates" section of Policy
Brochure for details.
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Is birth control covered?
Yes, prescription birth control pills and prescription birth control devices (e.g. IUDs) are covered.
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Is there any coverage for allergy medications?
The Student Medical Insurance Plan will pay for allergy medication up to a maximum per the policy year of $300.00.
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Are outpatient (not treated in the hospital) Mental Disorders covered under the Student Medical Insurance Plan?
Outpatient and Inpatient Mental or Nervous Disorder Expenses (combined) is paid as any other Sickness up to $3,000 maximum payment per Policy Year. Outpatient prescription drugs will be paid at 80% Generic / 60% Brand. See the Schedule of Benefits in Policy Brochure. For Dependents' benefits, see the Schedule of Benefits in Policy Brochure.
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Is pregnancy covered?
Yes, pregnancy is covered the same as any other sickness, subject to policy provisions.
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Is a newborn covered?
A child born to an Insured Student is automatically covered from the moment of birth until such child is 31 days old. Coverage for such child will be for Sickness and Injury, including medically diagnosed congenital defects, birth abnormalities, prematurity and nursery care. However, the Insured Student must enroll the child within 31 days of such birth and pay the required additional premium in order to have coverage for the newborn child continue beyond such 31 day period.
Well-Care for Children-Payment will be made at 90% of outpatient charges for routine physical examinations and scheduled immunizations, incurred from birth through age 7, when ordered by the attending Doctor. The maximum payment is $300 per Policy Year for each child. The Policy Year deductible is waived.
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May I purchase the Student Medical Insurance Plan if I am not a student?
If you are not a WSU student or a spouse or domestic partner, or Dependent of a covered WSU student, you may not enroll in the Student Medical Insurance Plan. However, if you are a domestic student in the Fall and purchase Annual coverage, then you do not have to be a student in the Spring/Summer semester to continue the Student Medical Insurance Plan. A student must remain registered for classes for two weeks to remain eligible for the Student Medical Insurance Plan. See "Eligibility" section of Policy Brochure.
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If I am involved in an intercollegiate sport sponsored by the Intercollegiate Athletic Department of the University will my injuries be covered?
No, intercollegiate sports are not covered on the Student Medical Insurance Plan. Intramural sports and other injuries are covered, subject to the policy provisions.
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Is there vision coverage?
Yes. See the Student Medical Insurance Plan provisions for details.
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Is there a death benefit to the Student Medical Insurance Plan?
Yes, the benefit for accidental loss of life is $10,000.
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Is there a PPO (Participating Provider Organization) network?
Yes. Covered Persons may choose to be
treated within or outside of the Beech Street PPO Network. This network
consists of hospitals, doctors and other health care providers organized
into a network for the purpose of delivering quality health care at
affordable rates. Therefore, when a Covered Person uses a Beech Street
Participating Provider, his or her fee may be reduced. A complete listing
of providers is available on the Beech
Street website link accessible at: http://www.maksin.com/wsu.shtml
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