Insurance

Message to Parents About Student Injury and Sickness Insurance.

Health care and health insurance is often a concern of parents as their sons and daughters depart for college. We at Roger Williams University are actively involved in the health and well being of our students. Use of the Student Health Service and the Student Accident and Sickness Insurance Plan are covered by the residential fees.

All full time University day students have access to the Student Health Service. There is no charge for visits to the Student Health Service for illness or injury. Charges will be incurred for routine well physical exams, immunizations, lab work and prescription medication. These charges can be submitted to health insurance. Health Service is open 8:30am to 5:00pm, Monday thru Friday. After hours, emergency care is provided through Newport Hospital, Rhode Island Hospital or Bristol County Medical Center. Emergency transportation to and from these facilities is provided if needed.

Additionally all students living in University housing and all international students on an F-1 or J-1 visa have the Student Accident and Sickness Insurance Plan, which is provided through the residential fees. This is also available upon request to all full-time day commuter students. We at the University have found this to be an important benefit to students and parents. With the proliferation of HMO's, and the limits imposed on out of network benefits enforced by many health insurance plans, the Student Insurance Plan often fills a gap in coverage. In addition, it helps to ensure timely and appropriate care for your son or daughter while at school. If you are a full-time day commuter student and would like to purchase the Student Insurance Plan please contact the Bursar office at 254-3520. The deadline for enrollment is October 1 for the fall semester and March 1 for the spring semester.

The brochure enclosed provides more specific information about the Student Insurance Plan. Some important points are highlighted on the reverse side of this page, which may assist you in using the Student Insurance Plan. Claims for care provided at an off-campus facility must be submitted to Consolidated Health Plans at the address listed on the last page of the brochure. Claim forms are available on line at www.chpstudent.com. The Student Insurance Plan, which can be used in conjunction with other health insurance, is in effect beginning August 14, 2011 and expires on either August 13, 2012 (if fees have been paid for the entire year) or January 13, 2012 (if fees have only been paid for the fall semester). Coverage is in effect whether the student is at school, at home, or traveling, including traveling abroad.

After reading through the brochure, or at any time you have a question about coverage provided under the Student Insurance Plan, please feel free to call the claims administrator, Consolidated Health Plans at (800) 633-7867 or Roger Williams University Health Service at 401-254-3156.

Anne Andrade, MS RNP Karen M. Lebreux
Director Health Service Administrative Assistant

How the Student Insurance Plan benefits your son or daughter.

Please note that the Student Insurance Plan will be coordinated with your private insurance and will not duplicate benefits that are paid by your private insurance. The Student Insurance Plan is secondary to your private insurance. Your son or daughter must have a copy of your private insurance card and know the limitations of that policy. Specifically, it is important to know if prior approval is needed or if there are limits out of network, etc. It is their responsibility to present this information when seeking medical care off campus to avoid unexpected charges and optimize coordination of benefits between the two policies.

1. You can file a claim under this coverage to pay eligible expenses for any co-pays or denials from your private insurance.
2. If we need to transport a student to a hospital for a covered accident or sickness the ambulance benefit will be paid.
3. Students may be referred to Newport Hospital, Rhode Island Hospital and Bristol County Medical Center for care. These facilities will accept the Student Insurance Plan without prior approval, up to the limits of the Plan. Some private insurances fall short if the person is seeking care out of network or after hours and prior approval is needed.
4. Coverage is in effect beginning August 14, 2011 and expires on either August 13, 2012 (if fees have been paid for the entire year) or January 13, 2012 (if fees have only been paid for the fall semester). The student does not have to be at school to use the insurance.
5. University club and intercollegiate sports teams are covered by their private insurance first and the University athletic insurance second. The Student Insurance Plan does not cover club and intercollegiate sports related injuries. It will cover an injury that is sports related as long as the student did not sustain the injury while practicing or playing for the team. For example if a student fractures an ankle while playing touch football with friends on campus, the Student Insurance Plan will pay eligible expenses.
6. A copy of the brochure describing the Student Insurance Plan is enclosed. Please read it carefully to understand the limits of the Plan. Insurance cards are mailed out during the first semester. Plan information can also be accessed from the claim administrator’s website at www.chpstudent.com
7. This Student Insurance Plan is underwritten by Nationwide Life Insurance Company, Columbus, OH. The claims administer is Consolidated Health Plans. Please submit all claims or inquiries to Consolidated Health Plans, 2077 Roosevelt Avenue Springfield, MA. 01104.
8. The Student Insurance Plan is marketed by Risk Strategies Company, 160 Federal Street, Boston, MA 02110. Telephone # (617) 330-5700.