When you go to a doctor off-campus or go to a hospital, they will file a claim against your Student Insurance policy. You will need to fill out a claim form (pdf) for each different illness or accident. If you are also covered by another policy, the insurance companies will coordinate benefits with each other, which will reduce or possibly eliminate your costs. If the Student Insurance policy is your only insurance, then you will be responsible for the deductible and then the co-insurance. That amount is what you will personally owe the doctor or hospital.
The insurance company will need information from you in order to process your claim. They will need to know if you have other insurance, details about the accident, injury or illness, and they might need to know what doctors you have seen in the past year to determine whether or not this is considered pre-existing.
Failure to pay your deductible or co-insurance could have an adverse effect on your credit rating. If you receive a bill from a doctor’s office or hospital, you should check the claims status to see if the insurance company is requesting additional information from you, if they have made payment, or what your balance owed 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.