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 2005-06 academic year is University Health Plans, Inc. A copy of the brochure may be found through their website. The preferred provider group is Private Health Care Systems (PHCS) 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, pre-registered undergraduate students 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.

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 carrying a minimum of six (6) credits, are encouraged to enroll in the Rhode Island College Student Health Insurance Plan. A summary of benefits was mailed to you. 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". You may enroll your eligible dependents by following the same enrollment procedure. Please note that the enrollment deadline for fall semester is September 16, 2005. The waiver deadline date for Spring Semester is February 17, 2006.

Spouse and family plans are also available at extra charge through University Health Plans website.

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 $10 for generic or $20 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 2005-2006 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 2005-2006 Student Accident and Sickness Plan is underwritten by Security Mutual Life Insurance Company of New York and the Policy Number is 200515A22.

Q. What is the effective date?
A. The effective date of the policy is August 15, 2005. If you purchase coverage for the spring semester only, your effective date of coverage is January 15, 2006.

Q. What is the policy expiration date?
A: The policy expires August 15, 2006. If you purchase coverage for the fall semester only, your coverage would expire January 15, 2006.

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 16, 2005. The waiver deadline date for Spring Semester is February 17, 2006.

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 carrying a minimum of six (6) credits, are encouraged to enroll in the Rhode Island College Student Health Insurance Plan. A summary of benefits was mailed to you. 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". You may enroll your eligible dependents by following the same enrollment procedure. Please note that the enrollment deadline for fall semester is September 16, 2005 The waiver deadline date for Spring Semester is February 17, 2006..

Spouse and family plans are also available at extra charge through University Health Plans website.

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: Insured students may also cover their dependents (spouse residing with the student and unmarried children under 19 years of age who reside with the student and are not self-supporting). The cost per semester is as follows:

• Student & Spouse - $807
• Student & Child(ren) - $748
• Student, Spouse & Child(ren) - $1,207

You may obtain an enrollment form on-line by visiting www.universityhealthplans.com and selecting "Rhode Island College" from the menu.

Please note that the enrollment deadline for fall semester is September 16, 2005, and no enrollment will be accepted after this date.

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 2005-2006 Student Insurance Plan includes access to the Private Health Care Systems (PHCS) preferred provider network. 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.phcs.com 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
195 Stafford Street
Springfield, MA 01104-3503
(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. Services rendered in a Doctor's office setting are subject to a $10 co-pay per visit until the overall $50 deductible maximum has been met.

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: $25,000 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.