Frequently Asked Questions
about Student Health Insurance
• Which students are
automatically enrolled in student health insurance?
• How can I get student health insurance
if I am not automatically enrolled?
• What type of coverage is provided
under the new health insurance plan for the 2007-08 academic year?
• How do I waive student health insurance?
• If I waived student health insurance
last year, do I need to do it again?
• How do I contact The Chickering Group?
• Who administers the prescription drug
plan?
• Where can I learn more about my insurance
benefits?
• How can I check to see if I am enrolled
in health insurance?
• When will I receive my insurance card?
• Where can I find a Preferred Provider/In-Network
Provider?
• How do I file a claim?
• What should
I do if my insurance card hasn't arrived yet and I need to see
a doctor?
• How do I obtain coverage for my
dependents?
• What about dental insurance?
• What should I do if I lose my insurance
card?
• What is the Aetna Navigator?
• Who can help me if I have problems with
my health insurance?
Which
students are automatically enrolled in student health insurance?
All students registered for at least 12 credit hours are automatically
enrolled in and billed for student health insurance. This applies
to both Day and Evening Division students.
All full-time and part-time J-1 and F-1 international students
are automatically enrolled in student health insurance.
Intensive Trial Advocacy: If you are enrolled in either
the August or January sessions of Intensive Trial Advocacy, those
credits are added to your fall semester hours. If enrolling in
Intensive Trial Advocacy gives you 12 or more credit hours for
the fall semester, then you be billed for student health insurance.
Incompletes: If you are planning on making up Incompletes
during the semester, those credits will not count in your credit
hours for determining whether you will be automatically enrolled
in the health insurance plan.
Full-time domestic students may waive health insurance coverage
under certain circumstances. (See the following section on how
to waive health insurance for additional
information and links to waiver forms.)
Back to Top
How
can I get student health insurance if I am not automatically enrolled?
Students registered for fewer
than 12 credit hours, whether in the Day or Evening Division,
are not automatically enrolled in the Student Health Insurance
Plan. These students can elect to obtain coverage by submitting
an enrollment form before the enrollment deadline. The enrollment
deadline will be posted in The Record at the beginning
of the semester, and is usually the end of the first week of classes.
For the 2008 Spring semester, the enrollment deadline is January 26 , 2008.
Enrollment requests should
be submitted online at http://www.iit.edu/~shc/insurance/enrollment.php.
The Chickering Group does
not accept applications for enrollment from students. All enrollments
must be processed by IIT.
Back to Top
What
type of coverage is provided under the new health insurance plan
for the 2007-08 academic year?
IIT will offer students a single student health
insurance plan that is designed to help control increasing costs
while providing students with one of the most comprehensive student
health plans available. For the 2007-08 academic year, the plan
costs $850 for students. (Additional fees are added for spousal
and child coverage.) Highlights of the new plan include:
- Access to Aetna's national Preferred Provider Network, with
over 579,000 health care professionals;
- $100,000 lifetime aggregate maximum per condition;
- Annual deductible of $100 for care received from Preferred
Providers and $300 annual deductible for care received from
Non-Preferred Providers;
- Prescription drug coverage of 100% up to a $1500 maximum per
year after a $10 co-pay for generic drugs and a $30 co-pay for
brand-name drugs;
- Coverage for birth control pills and devices;
- Discounts on vision care and alternative health care services;
and
- Unlimited medical evacuation and repatriation.
A complete description of the plan will be mailed to students
during the summer. Please read Student Health Insurance Plan
Brochurefor detailed infomration about the plan. You will
be able to find a copy of the 2007-08Brochure at http://www.chickering.com/schools/iit/brochure0708.pdf.
How do I waive student health insurance?
Domestic students may waive health insurance coverage if the
student presents evidence of other health insurance coverage under
a plan that provides benefits equal to or greater than the Student
Health Insurance Plan. Students must present evidence of coverage
and complete a waiver form by the waiver deadline.
Waiver forms are available at http://www.iit.edu/~shc/insurance/waiver.php.
The deadlines for waiving insurance coverage are provided in The
Record at the beginning of each semester. The deadline for
waiving health insurance is generally at the end of the first
week of classes. For the 2008 Spring semester, the waiver deadline is January 26, 2008 .
To ensure all international students meet the Federal
Visa Insurance Requirements, coverage is mandatory for all full-time
and part-time
J-1 and F-1 international students. Waivers will only be granted
to those international students who have health insurance coverage
through a US-based employer; who have health insurance coverage
through their home country embassy; or for J-1 students whose
DS-2019 was issued by an outside agency (e.g., Fulbright) and
can show proof of insurance through their sponsoring agency.
Back to Top
If I waived
student health insurance last year, do I need to do it again?
If you have previously filed a waiver form,
you need not file another one as long as you are continuously
enrolled in law school, unless your outside insurance carrier
changes. If you have a new insurance carrier, you must notify
the IIT Student Health Center by calling (312) 808-7100.
Back to Top
How do I contact The
Chickering Group?
Chickering’s website is located at www.chickering.com.
Click on “Student Connections” and then select “Find
Your School.” You will need IIT's policy number, 724532,
to access information specific to IIT.
You can also call Chickering’s customer service line at
(800) 841-3140.
Back to Top
Who administers the prescription
drug plan?
Aetna Pharmacy Management administers your
prescription drug claims and pharmacy claim forms. Aetna's twenty-four
hour customer service number is (800) 238-6279.
Back to Top
Where can I learn
more about my insurance benefits?
For a comprehensive explanation of your insurance benefits, read
the Student
Health Insurance Plan Brochure produced by IIT and Chickering.
You can find the 2007-08Brochure and additional information
on Chickering’s website or on IIT's Student Health Center
website at www.iit.edu/~shc/
under "Insurance."
Back to Top
How can I check to see if I am
enrolled in health insurance?
If you have not already received confirmation from Chickering,
you can check to see if you are enrolled by confirming that your
account has been charged for insurance. To check you account online,
go to IIT's
Web for Students.
You can also call IIT Student Health Center at (312) 808-7100
to confirm that you have been enrolled in the health insurance
plan.
Back to Top
When will I receive my insurance
card?
For students enrolled in health insurance for the fall semester,
insurance cards should arrive in the mail by the second week of
October. This card will serve as your insurance identification
for the entire academic year.
If you are enrolling in the health insurance plan for the first
time during the spring semester, your card should arrive by the
first week of February.
Back to Top
Where can
I find a Preferred Provider/In-Network Provider?
The doctors and other health care providers who belong to Aetna/Chickering's
network are called Preferred Providers. Using Preferred Providers
saves you money because these medical professionals agree to accept
negotiated fees that may be lower than what non-preferred providers
would charge. Your health insurance only pays benefits for reasonable
charges. If a non-preferred provider charges more than the reasonable
charge allowance, you must pay the difference.
The Preferred Provider network extends across the country. To
find a Preferred Provider, you can use Aetna's online service
at www.aetna.com/docfind.
You can use this service to find out whether a specific doctor
belongs to Aetna's network or to find a Preferred Provider in
your area.
In addition, you can call either IIT's Student Health Center
at (312) 808-7100 or Chickering's customer service line at (800)
841-3140 for assistance in finding a Preferred Provider.
Back to Top
How do I file a claim?
If you are being treated by a Preferred (In-Network) Provider,
your claim will automatically be submitted to Chickering Claims
Administrators by the medical provider.
If you are being treated by a non-preferred provider, you need
to verify how your claim will be filed by the medical provider.
Payment may be required up front. If the provider does not file
the claim directly with Chickering Claims Administrators, then
you must file the claim by submitting an itemized bill immediately
after treatment. Your name, social security number, and school
name should be written clearly on all medical bills. Always retain
copies for your records.
Claim forms can be found on Chickering's website at www.chickering.com.
Click on "Student Connection"
and then choose "Find Your School." You will need IIT's
policy number, 724532, to find the information specific to IIT.
Select "Help Center" to locate claim forms. Please
note that there are different forms for visits to the doctor and
for prescription drug reimbursements. If you are having trouble
opening these documents online, you can call Chickering's customer
service line at (800) 841-3140 or stop by the Office of Student Services to get a paper copy.
Back to Top
What should
I do if my insurance card hasn't arrived yet and I need to see
a doctor?
If you don’t have an insurance card yet and need to see
a doctor, you have a few options.
First, depending on what is wrong, you can use the Student Health
Center at IIT, where you don't need the insurance information.
However, if you prefer to see your own doctor, you will have to
pay out-of-pocket and get reimbursed from Chickering. (See the
previous section on how to file a claim for
additional information and links to claim forms.)
Alternatively, some doctors might process your claim without
an insurance card if you explain that you have student insurance
and are waiting for your card. You will need to provide the doctor
with IIT's policy number, 724532, and your ID number, which is
your social security number.
Finally, you can print a temporary insurance card from the Aetna
Navigator site. (See following section about the Aetna
Navigator for more information.)
Back to Top
How do I obtain coverage for my
dependents?
Dependent enrollment is managed directly by Chickering. You can
find information and the required forms at www.chickering.com.
Click on "Student Connection"
and then choose "Find Your School." You will need IIT's
policy number, 724532, to find the information specific to IIT.
Select "Enrollment Forms" to locate the General
Application for Dependent Enrollment. Unlike Student Health Insurance,
the premiums for dependent coverage are not added to your tuition
bill and must be paid directly to Chickering. The cost for enrolling
a spouse, child, or children is explained on the form. The deadline
for enrolling dependents for the 2006-07 academic year has passed.
Back to Top
What about dental insurance?
For the 2006-07 academic year, IIT is offering students the opportunity
to enroll in an optional dental discount plan called Vital Savings.
Students may elect coverage under this plan for a $25 annual premium.
Enrollment forms and a description of the program are available
online at www.chickering.com.
Click on "Student Connection"
and then choose "Find Your School." You will need IIT's
policy number, 724532, to find the information specific to IIT.
Select "Vital Savings" to locate the enrollment
form and additional information about the program.
Back to Top
What should I do if I lose my insurance
card?
If you lose your insurance card, you need
to report the loss and apply for a replacement. To request a replacement,
you can call Chickering's customer service line at (800) 841-3140.
You can also visit Chickering's website
at www.chickering.com
to request a replacement card. Click on "Student Connection"
and then choose "Find Your School." You will need IIT's
policy number, 724532, to find the information specific to IIT.
Select "Help Center" and then fill out the online card
replacement request form.
Alternatively, you can print a temporary
insurance card from the Aetna Navigator site. (See following section
about the Aetna Navigator for more information.)
Back to Top
What is the Aetna
Navigator?
All students in enrolled in the Student Health Insurance
Plan will have access Navigator, Aetna’s new online tool.
Insured students can view claims activity, receive a temporary
ID number, request ID cards, research prescription drug prices,
find Preferred Providers, email Chickering customer service, and
access wellness information. You can find the Navigator at www.chickering.com.
Click on "Student Connection" and then choose "Find
Your School." You will need IIT's policy number, 724532,
to access information specific to IIT. You can then select "Aetna
Navigator." First time users will have to register to access
the system.
Back to Top
Who can help me if
I have problems with my health insurance?
The Chickering Group (benefits and enrollment)
www.chickering.com
(800) 841-3140
Aetna (prescription drug plan)
www.aetna.com
(800) 238-6279
Melody Jack, Administrative Assistant, IIT Student Health Center
jack@iit.edu
(312) 808-7100
Vickie Tolbert, Assistant to Dean of Students, IIT Main Campus
tolbert@iit.edu
(312) 567-3081
Jenna Moroney , Director of Student Services, Chicago-Kent
jmoroney@kentlaw.edu
(312) 906-5005
Steve Sowle, Assistant Dean of Academic Administration and Student Affairs
ssowle@kentlaw.edu
(312) 906-5282
IIT Student Health Center
www.iit.edu/~shc/
(312) 808-7100
Back to Top
|
