Frequently Asked Questions About Student Health Insurance
Academic Health Plans
Health Special Risk
4001 North Josey Lane
Carroliton, TX 75007
1-800-785-2446
2007/2008
If you are full-fee paying student, you are automatically billed for
the student health insurance program at Idaho State University. You may
waive this fee if you have adequate health insurance. Your policy must
remain in effect during the current academic year. International
students, please contact the student health insurance office for
information regarding waivers and refunds.
Q. How do I get an insurance
card?
A. The Student Health Insurance Company will send you an
insurance card with an ID number. This will come to you in the
mail. If you need a card before you receive one, you can download
a temporary card at: https://www.academichealthplans.com/isu/2009-2010/temporaryIDCard.php.
Q. What does the policy cover?
A. Covered services are paid at 80% of the Preferred Allowance for
services rendered by Preferred Providers. Services obtained by
Out-of-network providers will be paid at 60%.
Q. Is there a deductible?
A. Yes. The deductible is $250/academic year.
Q. Is their coverage for maternity?
A. Yes. It is covered as any other illness at 80% of usual and
customary charges for in-network providers and 60% for out-of-network
providers. One ultrasound is allowed regardless of diagnoses. Medical
necessity would need to be proven for additional ultrasounds.
Q. Is pre-certification necessary?
A. No.
Q. I need to have a physical done, is it covered under the
policy?
A. One physical exam per year is allowed at the Student Health Center
up to $ 10 maximum, their number is 282-2330. One pap smear is covered
at the Student Health Center per year.
Q. It is the middle of the semester and a student wants to
purchase the insurance, can they?
A. If they refunded the insurance, they may not purchase the insurance
unless they are losing existing coverage. There is no discounted rate,
it is still $523. The same is for spouse and children, there is no
discounted rate either.
Q. Can part-time students get the insurance?
A. To meet the eligibility requirements, you must be carrying at least
12 credits for undergraduate, 9 credits for graduate students and 4
credits as an Applied Tech session
student and paying fulltime fees or International student taking at
least 1 credit or more.
Q. Do I have to purchase the ISU Health Insurance
A. If you are covered under another health insurance plan and wish to
waive the ISU student health insurance, you can access this form
through MyISU portal at www.isu.edu. Students who pay insurance and
then wish to receive a refund, will follow the same procedures as
previous years. You have ten days, from the first date of class to
request an insurance refund in the student insurance office, located in
the Student Health Building. International students are not allowed to
waive the health insurance.
Q. Is there coverage for my spouse and children?
A. Yes. (Refer to price list)
Q. How do I file a Claim?
A. A company claim is required for filing a claim. Claim forms are
available from the Student Health Center, by calling Academic
Healthplans at (888) 308-7320 or online at www.AHPCare.com/isu. Mail
to: Academic Healthplans, c/o True Choice USA, P.O. Box 700308, Dallas,
Texas 75370-0307.
File claims within 30 days of injury or first treatment for a sickness or as soon as reasonable possible. Bills should be received by the Company within 90 days of service. Bills submitted after one year will not be considered for payment except in the absence of legal capacity.
For Claim Inquiries:
Health Special Risk, Inc.
(800) 785-2446
Benefits to Keeping Student Insurance
If you have other insurance, this insurance will become secondary and will help with deductibles and co-payments. The insurance will be primary at the student health center .
What About Emergencies?
Emergency room visits are expensive and should be reserved for emergencies only, i.e., poisoning, heart attacks, severe injuries or burns, etc. Visits outside the Student Health Center will be billed at standard rates subject to the deductible and co-payments.
Specific Items Not Covered By the Policy
- Vision
- Dental (except accidental injury to sound natural teeth)
- Prescriptions (unless while confined in the hospital)
- Well baby care
- Routine doctors visits
- Hearing examinations
- Birth control
- Nasal or sinus surgery (unless it was the result of a injury while covered or acute purulent sinusitis)
- Preventative Immunizations
The policy DOES NOT cover pre-existing conditions. The only way a pre-existing would be covered is if the student has been continually covered under the policy for 6 months. For questions regarding portability of prior insurance coverage, please contact the insurance company directly.
This information is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the policy issued in the state in which the policy was delivered. The policy is subject to the laws of the state in which it was issued.