Insurance Topics

Student Health Insurance

Student Health Insurance is mandatory for all Western Illinois University students who are taking 9 semester hours or more. The Student Health Insurance should be used along with existing family coverage, and student insurance is suggested as way to provide the student with guaranteed coverage, 24 hours a day protection and a very low deductible in the event of accident or illness. WIU’s Student Insurance will provide help for mental health and substance abuse issues, as well as hospital stays, maternity care and ambulance transport.

The Student Health Insurance office is located in the Lower Level of Beu Health Center. Call 309/298-1882 for more information. Hearing Impaired Students call TTY: 309/298-1856.

2009-2010 Student Health Insurance Benefits

Coverage Further Information Further Information
Policy Maximum $250,000.00  
Deductible $ 200 applies each academic year
Hospital outpatient-emergency 90% R&C accidents and life threatening illness
Hospital outpatient- non-emergency 80% R&C students must use Beu Health Center for medical treatment or referral
     
Hospital inpatient 80% R&C  
Surgery 80% R&C  
Surgical assists 50% R&C  
Professional services:    
Dental $500 per tooth accidental injury only/must be whole sound natural
Chiropractic Services
$30/visit maximum $500 per academic year referral from Beu Health Center must
be obtained for chiropractic care
Mental Health inpatient 80% R&C Policy maximum - $20,000
Mental Health outpatient 50% R&C maximum $2,000 per academic year
Substance Abuse inpatient 80% R&C Policy maximum $20,000
Substance Abuse outpatient 50% R&C $30/visit 1 visit/week $2,000 per academic year
Ambulance 80% R&C  
Maternity 80% R&C normal nursery care
Physical Therapy
80% outpatient must follow covered surgical procedure or referral from Beu Health Center - $500 maximum
Beu Health Center
100% NO DEDUCTIBLE
services covered by student insurance

Other insurance coverage is used in determining the amount of benefits payable under this Policy.
Note: Student MUST be insured at the time medical expense is incurred.
Note: The Student Health Insurance Plan or costs associated with the plan may change periodically. Please check with Student Insurance for current plan and rates.

Coverage Period

The plan protects all eligible students 24 hours a day. Continuous year-round coverage is available if the student maintains 9 semester hours, undergraduate or graduate, during the fall and spring semesters.

Student Eligibility

All students who are registered for 9 undergraduate or graduate semester hours during the Fall and Spring Terms* will be eligible for coverage under this Plan. All graduate assistants under contract with the University and enrolled in on-campus classes, WESL students and Spoon River College students residing in University housing are also assessed the fee for this coverage. All students eligible for coverage under this Plan will be assessed a Student Health Insurance fee on their University bill.
*excluding post session, extension, correspondence, extramural or on-line hours

The following students can also sign-up for coverage by contacting the Student Health Insurance Office:

  1. Extension, on-line and WIU-QC students who register for 9, 10 or 11 hours. Application to be made during the first ten days of the term. Application must be made each semester coverage is desired.
  2. Undergraduate and graduate students who require less than 9 hours to graduate, have graduate clearance forms on file, and are registered for 6, 7 or 8 hours. Applications are to be made during the first ten days of the term.
  3. Insured graduating students who will not be enrolled in classes during the term following graduation. Application to be made prior to the last day of the covered period. Coverage for these students is available for 3 months.

Effective Dates

Costs

Claim Procedures

In the event of an injury or illness, an insured student MUST:

  1. If on campus or residing locally, report to Beu Health Center for proper medical treatment or referral.
  2. For outpatient treatment of mental illness or substance abuse, contact the Director of the Counseling Center and/or Director of Beu Health Center to determine if a professional non-University referral is necessary.
  3. If away from the University, a) consult a Physician; b) contact the Student Health Insurance office for claim forms.
  4. An insurance claim form along with itemized bills with diagnosis must be submitted to the Student Health Insurance Office within 52 weeks from the date of medical expense to be eligible for benefits.

Waiver of Coverage

The deadline for filing an Insurance Waiver Form is the 10th class day of the Fall and Spring Terms. The waiver cancels insurance coverage for all terms for which the student enrolls as long as the student is enrolled at least one term each academic year. Student insurance can be reinstated by contacting the Student Health Insurance Office prior to the 10th class day, or within 30 days of private policy termination. A reinstatement form must be completed and returned with documentation of termination from private policy.

Step 1 - Determine if your plan qualifies to waive

Your insurance plan must meet several requirements in order to waive the Student Health Insurance Plan. If you plan does not meet these requirements, you will be enrolled in the Student Health Insurance Plan.

Comparable Coverage means that your health plan meets ALL of the following waiver criteria:

Step 2 - Obtain a copy of your plan's schedule of benefits

This documentation should be printed in a policy brochure or can be requested from your insurance company. The schedule of benefits must show that your plan meets the requirements to waive the Student Health Insurance Plan listed in Step 1.

Step 3 - Complete and submit the waiver form

Waiver forms are available in the Student Insurance Office, or may be downloaded here in Adobe PDF format.


Student Health Insurance

Western Illinois University's Student Accident and Illness Insurance Plan is intended to supplement and complement services normally available to students through Beu Health Center. Students registered for nine semester hours or more are automatically charged the insurance fee. Services of the Health Center are available to all students. Even if you are not covered by Student Insurance, you may still use the Health Center at no additional charge. The Student Health Insurance Office is located in the lower level of Beu Health Center.

Questions?

Phone: 309/298-1882
TT#: 309/298-1856(for hearing impaired)
FAX: 309/298-2363

Page last modified 8/7/2009 9:27:44 AM