Student Health Service
Student Health Insurance:
Students are not required to have insurance to receive care at the Student Health Service. However, students are strongly encouraged to obtain Accident and Sickness Insurance for Students, underwritten by Student Assurance Services. See below for some Frequently Asked Questions about student health insurance.
Health insurance and enrollment cards are available in the Student Health Service, in the Vice President for Student Affairs office in Old Main, Room 100, or online:
|
NDSU Student Health Service Billing and Health Insurance Processing Guidelines
Frequently Asked Questions for:
Domestic Students at North Dakota State University
Q. Why should you consider student health insurance?
Q. How do I enroll in the student insurance plan?
Q. Do you pro-rate premiums?
Q. Can I get a refund?
Q. Will there be a break in my coverage if my payment is a few days late?
Q. When I graduate, does my coverage expire?
Q. What's available for me if I don't qualify for student insurance?
Q. How can I tell if I am covered?
Q. What will I receive to prove I have coverage?
Q. Will I get a copy of my insurance policy?
Q. How do I get a new ID card if I can't find mine?
Q. If I am ill or have an accident, what should I do?
Q. Do I have to use the student health service at my school?
Q. What should I do if my student health center is closed or I am away from college?
Q. How do I know if my particular illness or injury is covered?
Q. When is a claim form required?
Q. Is pre-certification of hospital admissions required?
Q. Why should you consider student health insurance?
Students should review their personal situation to determine if they have adequate health insurance coverage. Students without private health insurance should seriously consider the student plan.
Even if you have private insurance coverage, you should:
- Investigate what coverage you have, especially if you are now "out-of-area" for the HMO or health plan that covers you at home, and
- Be aware of when you may no longer be covered by a parent's policy because of an age limitation.
Return to FAQ
Q. How do I enroll in the student insurance plan?
You can download a brochure and enrollment form from this website, or you can call Vaaler Insurance, Inc. at (800) 732-4336 or (701) 775-3131 for a brochure/enrollment form. Students wishing to enroll in the plan should refer to the plan brochure for specific guidance on benefits, premiums or enrollment. However, in general, students must submit a completed enrollment form and the appropriate premium (for the coverage period requested) to:
Student Assurance Services, Inc.
P.O. Box 196
Stillwater, MN 55082
Q. Do you pro-rate premiums?
North Dakota State University offers a variety of options for purchasing coverage. Please refer to your brochure for these options. If you enroll late, you must still pay the full premium for the coverage period in which you are enrolling.
Return to FAQ
Q. Can I get a refund?
A pro-rata refund will be issued if you enter into full-time active duty military service for any country, or if you are a non-immigrant Foreign National and have left the North American continent. Refunds may also be requested in writing to Student Assurance Services, Inc. within 31 days of the beginning date of the term of coverage selected. No other refunds are given.
Return to FAQ
Q. Will there be a break in my coverage if my payment is a few days late?
You will suffer a break in coverage if payment is not received within 31 days of the expiration date of the prior coverage or policy period. A break in coverage will mean that claims incurred during that period of non-payment may be considered ineligible and the pre-existing condition exclusion will once again apply.
Return to FAQ
Q. When I graduate, does my coverage expire?
Graduation does not necessarily mean that your coverage has expired. Your coverage will continue until the end of the coverage period for which you enrolled. For instance, if you paid the annual premium but graduate at mid-year, your coverage will continue until the expiration of the policy period.
Return to FAQ
Q. What's available for me if I don't qualify for student insurance?
Call Vaaler Insurance, Inc. at (800) 732-4336 or (701) 775-3131 or contact Student Assurance Services at (800) 328-2739. We will assist you in finding alternative insurance.
Return to FAQ
Q. How can I tell if I am covered?
Enter the student login section of the Student Assurance Services website and enter your name and social security number. This function will allow you to check on your coverage status.
You may also call or e-mail: Student Assurance Services, Inc., (800) 328-2739, info@sas-mn.com.
Return to FAQ
Q. What will I receive to prove I have coverage?
Your enrollment will be processed as soon as we receive your enrollment information and the appropriate premium. You will be issued a personalized ID card within approximately 10 business days. If you need to access medical services before you receive your personalized card, please have your health care provider call Student Assurance Services, Inc. at (800) 328-2739 to verify coverage.
Return to FAQ
Q. Will I get a copy of my insurance policy?
A master policy is issued to North Dakota State University. You can review the master policy at your school. However, the brochure contains most of the information that is in the master policy.
Return to FAQ
Q. How do I get a new ID card if I can't find mine?
Enter your information in the ID card request section of the Student Assurance Services website and a new ID card will be issued. You may also request a new card from Student Assurance Services, Inc. via e-mail or phone: info@sas-mn.com or (800) 328-2739. Please allow 10 business days for your ID card to arrive. If you need to utilize services before your receive it, please ask your provider to call Student Assurance Services to verify coverage.
Return to FAQ
Q. If I am ill or have an accident, what should I do?
Report to your student health center immediately so that proper treatment can be provided or approved. In the event of an emergency, proceed to the nearest health care provider and visit your student health center for follow-up care.
Return to FAQ
Q. Do I have to use the student health service at my school?
No. However, it will be to your advantage to utilize services provided by your student health center (SHC), as the $100 deductible per accident or sickness is waived at the SHC.
Return to FAQ
Q. What should I do if my student health center is closed or I am away from college?
You are covered anywhere in the world, 24-hours a day. You should consult a medical professional and follow his or her advice.
Return to FAQ
Q. How do I know if my particular illness or injury is covered?
Refer to the Medical Benefits Schedule in your brochure to determine coverage and Covered Services. You should also review both the Exclusions section of your brochure and the definition of a pre-existing condition to understand what conditions are not covered. If you have any questions, you may contact Student Assurance Services, Inc. via the website or our 800 number and talk with a claims analyst.
Return to FAQ
Q. When is a claim form required?
Many times providers bill us for services. When they do and the information is complete, we process the claim without a claim form. However, we may need more information from you and/or your signature to obtain medical records. In these instances, we will send you a claim form to complete. A claim form should also accompany your request for reimbursement of charges for covered services you have paid. (Please enclose itemized, paid receipts.)
Claim forms can be obtained several ways: (1) download a claim form from the Student Assurance Services website, (2) pick up a claim form at your school, or (3) e-mail or phone Student Assurance Services at: info@sas-mn.com or (800) 328-2739.
Return to FAQ
Q. Is pre-certification of hospital admissions required?
Your plan does not require pre-certification of hospital stays. You should, however, always consult your student health service to be sure the level of care you are receiving is appropriate.
Return to FAQ
* All frequently asked questions and answers obtained through Student Assurance Services Incorporated.
Email Disclaimer: We encourage people to contact us by phone or in person regarding personal health problems or appointments at the Student Health Service, rather than via email. The nature of email is such that we cannot guarantee the confidentiality of your correspondence. Moreover, we cannot guarantee that we will read your email right away or respond in a timely fashion. For specific questions regarding your health, prescriptions or appointments, please call 701-231-7331 or visit us at the NDSU Student Health Service in the Wellness Center.