School Health Insurance

A private insurance company administers a low-cost Student Health and Accident Insurance Policy for Rhode Island College students. The administrator for the 2008-09 academic year is University Health Plans, Inc. A copy of the brochure may be found through their website. The preferred provider group is the PHCS Provider Network (a division of MultiPlan) and the participating pharmacy network is Express Scripts; for R.I. locations, please visit the plan administrator's website at www.consolidatedhealthplan.com.

All full time, undergraduate degree students, pre-registered for 12 or more credits are automatically billed for the insurance. Students may opt to waive this coverage if they have comparable coverage. Procedures to waive the insurance are available through the University Health Plans, Inc website.

FAILURE TO COMPLETE the on-line Waiver Form by the deadline, September 18, 2008, will result in your mandatory purchase of the College’s Student Insurance Plan, without the possibility of later waiver, refund or cancellation. You will be able to waive out of the Student Insurance Plan by the deadline date of September 18, 2008 for both the Fall and Spring Semesters if you have other insurance coverage that will insure you for the entire Academic Year. The waiver deadline date for the Spring Semester is February 18, 2009.

International students are required to carry insurance and are automatically enrolled in the College's insurance plan, and may not waive it.

Part-time, non-degree, and graduate students enrolled in a minimum of six (6) credits hours may enroll in the Rhode Island College Student Health Insurance Plan on a voluntary basis. To purchase coverage, you may enroll on-line at www.universityhealthplans.com and click on "Rhode Island College", where you will be given the prompt "Enroll". The enrollment deadline date is September 18, 2008 for the Fall Semester, and February 18, 2009 for the Spring Semester (open to newly enrolled students only).

All students are strongly encouraged to carry medical insurance to cover unexpected emergencies and illnesses and to prevent disruption of educational goals due to catastrophic financial burdens.

Prescription Drug Benefits

After a co-payment of $15 for generic or $35 for a brand name drug (per prescription) the cost of prescription drugs is payable in full up to $1,000 (for all injuries and illnesses combined) for the policy year. Prescriptions must be filled at an Express Scripts participating pharmacy. Insured persons will be given a health insurance card to use for medical appointments and to use at a participating pharmacy.

How to fill a Prescription

Preferred Care:

When obtaining a covered prescription, you should present your Student Insurance ID card to the Express Scripts participating pharmacy, along with their applicable Coinsurance payment. The pharmacy will bill Express Scripts for the cost of the drug, less the copay or coinsurance amount.

When you need to fill a prescription and do not have your ID card, you may obtain your prescription from an Express Scripts participating pharmacy, and be reimbursed for covered medications by submitting a completed Express Scripts Prescription Drug claim form. A claim form is available by calling Express Scripts at 800-633-7867 or by visiting www.universityhealthplans.com. Click on "Rhode Island College" and you will see the claim form on the school-specific web page. You will be reimbursed for covered medications directly by Express Scripts.

Non-Preferred Care:

You may obtain your prescription from a Non-Preferred Pharmacy and be reimbursed by submitting a completed Express Scripts Prescription Drug claim form. You will be reimbursed for covered medications at the Reasonable Charge, less any applicable deductible and/or coinsurance amount directly by Express Scripts. A claim form is available by calling Express Scripts at 800-633-7867 or by visiting www.universityhealthplans.com. Click on "Rhode Island College" and you will see the claim form on the school-specific web page.

Please note: You will be required to pay in full at the time of service for all Prescriptions dispensed at a Non-Participating Pharmacy.

Mail your completed claim form and receipts to:

Express Scripts, Inc.
PO Box 390873
Bloomington, MN 55439-0873
Attn: Claim Department

The 2008-2009 Rhode Island College (RIC) Student Accident and Sickness Insurance Program includes coverage for asthma and allergy medications including inhalers and diabetic supplies such as insulin and syringes. All FDA approved prescription contraceptive drugs and devices are also covered through Express Scripts. Not all medications are covered. Please contact Express Scripts at 1-800-451-6245.

Frequently Asked Questions

Q: Who is the insurance carrier and what is the policy number?
A: The 2008-2009 Student Accident and Sickness Plan is underwritten by Nationwide Life Insurance Company and the Policy Number is 302-116-3806.

Q. What is the effective date?
A. The effective date of the policy is August 15, 2008. If you purchase coverage for the spring semester only, your effective date of coverage is January 15, 2009.

Q. What is the policy expiration date?
A: The policy expires August 15, 2009. If you purchase coverage for the fall semester only, your coverage would expire January 15, 2009.

Q: How do I obtain coverage under the Student Accident & Sickness Insurance Policy?
A: All full-time undergraduate students taking 12 or more credit hours at the time of initial fall or spring enrollment are automatically enrolled and the cost of the insurance is included on your tuition bill. Full-time undergraduates will be allowed to waive the insurance if they have comparable coverage elsewhere.

Coverage may be waived by visiting www.universityhealthplans.com and selecting "Rhode Island College" from the menu. Further instructions on how to waive are provided at this web address. Please note that the Fall semester waiver deadline date is September 18, 2008. The waiver deadline date for Spring Semester is February 18, 2009.

All international students are required to carry insurance and are automatically enrolled in the College's insurance plan and may not waive out of it.

Part-time, non-degree, and graduate students enrolled in a minimum of six (6) credit hours may enroll in the Rhode Island College Student Health Insurance Plan on a voluntary basis. To purchase coverage, you may enroll on-line at www.universityhealthplans.com and click on "Rhode Island College", where you will be given the prompt "Enroll". The enrollment deadline date is September 18, 2008 for the Fall Semester, and February 18, 2009 for the Spring Semester (open to newly enrolled students only).

All students are strongly encouraged to carry medical insurance to cover unexpected emergencies and illnesses and to prevent disruption of educational goals due to catastrophic financial burdens.

Q: Can I get the insurance to cover my spouse and/or children?
A: No, dependent coverage is no longer available under the Rhode Island College Student Health Insurance Plan. Students in need of coverage for their dependents should investigate what non-group policies are available in Rhode Island.

Q: What does this insurance cover?
A: This insurance covers medical expenses which arise from an accidental Injury or Sickness which occurs while you are covered under this program.

Q: Does this policy pay all medical bills in full?
A: In most circumstances it will not. There are deductibles, coverage limitations and exclusions in the policy....refer to the brochure available on-line for more details. The brochure can be viewed at www.universityhealthplans.com.

Q: Can I go to any doctor?
A: Yes you can. However the 2008-2009 Student Insurance Plan includes access to the PHCS Provider Network (a division of MultiPlan). By using a Preferred Provider, students will lower their out-of-pocket expenses and extend the overall benefits available under the plan. A listing of preferred providers can be accessed by visiting www.multiplan.com/search or by calling toll-free 1-866-559-7427.

Q: Where do I get a Claim Form?
A: You can pick up a Claim Form at the College's Student Health Center. Also both medical and prescription drug claim forms are available at www.universityhealthplans.com.

Q: How do I file a claim?
A: The following instructions are for filing a medical claim. Instructions for filing a prescription drug claim are detailed under the Prescription Drug section of this FAQ.

1. Bills must be submitted within 90 days from the date of treatment.
2. Payment for Covered Medical Expenses will be made directly to the hospital or Physician concerned unless bill receipts and proof of payment are submitted.
3. Subsequent medical bills should be mailed promptly to Consolidated Health Plans.

All medical bills should be submitted to the Claims Administrator shown below:

Claims Administrator
Consolidated Health Plans
2077 Roosevelt Avenue
Springfield, MA 01101-1998
Local: (413) 733-4540
Toll Free (800) 633-7867

Q: Does this policy cover me for my annual physicals?
A: We will cover one annual physical exam, limited to a $100 maximum per policy year.

Q: Is there a deductible on this policy?
A: Yes. A $50 deductible for each Injury or Sickness applies. The following services are subject to a per visit copay:

• Physician Office Visit - $15 copay per visit until the $50 deductible maximum has been met.
• Emergency Room Visit - $50 copay per visit.
• STD Testing - $20 copay.
• All Other Lab Work - $15 copay.

Q: With this insurance must I go to the College's Student Health Center first?
A: Yes. The insured student must use the resources of the College's Student Health Center when first seeking medical treatment. Treatment will either be administered at the Health Center or a referral to another facility will be given. Expenses incurred for medical treatment received outside of the Health Center without prior approval or referral are excluded from coverage. Please review the Student Health Service section of the insurance brochure for exceptions.

Q: What if I am out of state when I get sick or injured:
A: The insurance plan will cover you for any illness or Injury which occurs out of state. You must follow the same procedures in filing a claim as if it had happened in Rhode Island.

Q: How do I get an I.D. Card?
A: The school will be sending University Health Plans a list of all students enrolled in the insurance plan. University Health Plans will be issuing I.D. Cards to those students who are insured under the school sponsored plan.

Q: What is the policy's maximum benefit?
A: $50,000 lifetime maximum per Injury or Sickness.

Q: If I have a specific question about coverage who can I call?
A: You can call University Health Plans at 1-800-437-6448.