When you go to a doctor off-campus or go to a hospital, tell them that you are covered by the NIU Student Insurance plan and they will file a claim with us. You will need to fill out a claim form (pdf) for each different illness or injury.
If you are also covered by another policy, that policy is your primary coverage, we are considered secondary coverage. The two insurance companies will coordinate benefits with each other, which will reduce or possible eliminate your medical costs!
If the Student Insurance plicy in your only insurance, you will be responsible for the annual deductible and the co-insurance. That amount is what you will owe the doctor or hospital. Failure to pay your deductible or co-insurance could have an adverse effect on your credit score.
If you reveive a bill from a doctor's office or hospital, you should check the claims status to see if the insurance comany is requesting additional information from you, if they have made payment, or what the balance you owe is.
You can check on your claims by calling the Student Insurance office 815-753-0122, stopping by our office, Health Service building room 201, or calling HCH Admin directly 800-447-3227.
Need help understanding the Explanation of Benefits (EOB's)? Click here