Our office provides support and guidance to faculty and staff to help prevent loss.
Below you will find more information about student insurance, including athletic insurance, as well as the appropriate forms for guests, services providers, volunteers, and those who wish to rent campus facilities.
We care about the safety of our students and while we take the promotion and education of safety seriously, accidents will happen.
91ÊÓƵ requires that all students carry health insurance coverage. This policy is designed to help protect students and parents against large and unexpected medical claims. In order to satisfy this requirement, students are automatically enrolled in the provided by 91ÊÓƵ through Wellfleet Student Insurance. NOTE: Per the March 16th, 2012 federal ruling, the 91ÊÓƵ Student Health Insurance plan must be PPACA (Affordable Care Act) compliant.
91ÊÓƵ also provides Athletic Accident coverage for student intercollegiate athletes that sustain an injury during an approved 91ÊÓƵ practice or game, and Catastrophic Accident coverage for those students participating in a 91ÊÓƵ recognized intramural contact sport when the injury is directly related to the approved activity. Please see the appropriate sections within this area for additional information.
All registered students are required to show proof of health insurance. Beginning with the fall quarter of each academic year, the student insurance premium will be added to the invoice. Current domestic students can waive this premium by completing the insurance waiver form found in the . Parents should consult the parent’s pages for forms and answers to questions. This waiver must be completed at the beginning of each academic year.
International Student Requirements
International students are required to keep the insurance coverage provided by 91ÊÓƵ, even if they have other insurance in place.
Co-op and Study Abroad Requirements
Students participating in a co-op or study abroad program must also show proof of insurance.
91ÊÓƵ Student Health Insurance is underwritten through Wellfleet Student Insurance. Policy brochures, Network Physicians, HIPAA compliance forms, claim forms, claim status, as well as contact information, can be found on the carrier’s website studentplanscenter.com
91ÊÓƵ Student Health Insurance is automatically charged to all students at the start of each school year.
Insurance coverage can be added or deleted (waived) at the start of any quarter. Any or additions submitted after the start of a quarter will be applied to the following quarter. Insurance charges cannot be pro-rated, backdated or removed from the student’s account after the start of the quarter.
Student Health ID cards are obtained through .
Domestic Students
Domestic students who have other health or accident/sickness insurance and do not need the 91ÊÓƵ coverage, may . An electronic waiver must be completed by the student or parent each school year. Insurance coverage can be added or deleted (waived) at the start of any quarter.
International Students
International students, regardless of registration status, are not permitted to waive the 91ÊÓƵ student insurance fee.
Any questions related to the coverage provided within the 91ÊÓƵ Student health plan should be directed to the plan representative, EIIA, at 888-255-4029.
Athletic injury insurance is available for students that participate in an intercollegiate sport.
The athletic intercollegiate policy affords excess insurance coverage that will pay eligible expenses after any other collectible insurance has been exhausted. The bills incurred by the student athlete must first be submitted to the family’s insurance policy for reimbursement.
All claims made through the intercollegiate policy must be filed by a 91ÊÓƵ athletic trainer, signed by both the student and the Trainer, and then submitted to the manager of Insurance and Risk Management. The intercollegiate policy has a $500.00 deductible per injury, which must be paid by the family, or the family’s insurance. The 91ÊÓƵ Student Accident and Illness policy will afford excess coverage up to the $500.00 deductible of the intercollegiate policy if the student retained that coverage.
Any intercollegiate travel abroad must go through the 91ÊÓƵ International Travel Process for preapproval by the President. Such trips should also be coordinated with the manager of Insurance and Risk Management at least 90 days prior to the event so that adequate insurance coverage can be attained. Such trips are overseen by the Athletic Department or the coach of the sport coordinating the travel.
Students traveling abroad for an intercollegiate trip/event will be required to purchase foreign medical insurance which will cover them for medical treatment when outside of the United States. This coverage is mandatory and is purchased through the Center for Global Engagement at 91ÊÓƵ. Trip information and mandatory fees will be discussed with the student participants/travelers by the coach coordinating the trip/activity.
In the event any trip should be cancelled, costs related to and/ or incurred due to the trip are theresponsibility of the traveler. 91ÊÓƵ will not reimburse any expenses. It is recommended that travelers consider the purchasing of travel insurance, which would cover such cancellation expenses and fees associated with, in most circumstances.
$0-$500- Each student athlete is responsible for the first $500.00 of medical expense incurred due to an athletic injury. The first $500.00 of expense should be covered either through parental insurance or the Accident and Sickness Insurance Plan offered through Rose Hulman Institute of Technology
$500-$90,000-91ÊÓƵ has purchased an Intercollegiate Athletic Insurance Policy which is considered excess to any other coverage available to the student athlete. Bills incurred by the student athlete must be submitted to his/her family's primary insurance policy first. If there are any remaining balances after the primary insurance has paid, the remaining expenses may be submitted to Wellfleet Intercollegiate Claims Benefit Administrator for payment consideration.
To file claims please see the section titled Claims Procedures below.
Please Note: Proof of injury must be reported to the claims administrator within 180 days from the date of injury. The policy will consider eligible expenses for up to 104 weeks from the date of injury.
$90,000- Claims exceeding $90,000 are considered catastrophic and may be filed with the NCAA's Catastrophic Injury Insurance Program. 91ÊÓƵ Institute, through its membership in the NCAA, has extended medical benefits to their athletes in the unfortunate event of a catastrophic injury.
It is important that prompt filing and notification be given to the Program administrator.
The Catastrophic Injury Insurance Policy provides thefollowing additional benefits:
This coverage summary explains the general purpose of the insurance described but in no way changes or affects the insurance afforded under any such policy as actually issued. All coverage will be subject to actual policy conditions, provisions and exclusions.
All medical bills incurred by your son or daughter, as the result of any injury while participating in intercollegiate sports, should be sent directly to your home address. Please follow the following procedures:
A. Submit all bills to your primary insurance plan; most notably would be your parental insurance plan. Keep a copy of the original bills, as you will need them to file any outstanding balance with Wellfleet- Intercollegiate Claim Benefit Administrator. Your primary insurance plan will do one of the following:
B. If the primary insurance plan denies the claim or leaves a remaining balance, the balance left owing can be submitted to the Wellfleet Intercollegiate Claims Benefit Administrator for consideration of payment. The Intercollegiate Clams Administrator at Wellfleet will need the following:
If the Benefit Administrator needs any additional information, they will send the student/parent an Explanation of Benefits statement requesting the needed information.
In order to expedite the claim and payment process, please cooperate with the Benefit Administrator and provide requested information/documentation as soon as possible. Any charges/fees not paid by Wellfleet are the responsibility of the family. If any questions about the claim or payment of, you may contact the Benefits Administrator for Wellfleet.
If I am a domestic student with insurance in place, what do I need to show as proof of insurance?
You need to provide the carriers name, policy number or group ID and the primary insured’s name. Proof of Insurance is not verified and the waiver information entered is not retained by 91ÊÓƵ.
What Identification number do I use when I waive the insurance?
Enter the Student ID number to waive coverage and not a Parent ID number. The student ID number is nine digitsand begins with an “8”. The student identification number is also found on the Student Invoice.
Can I waive insurance through Parent Web?
Insurance cannot be waived through a Parent Web account. To waive insurance, please see our located in the Parents Association section of our website.
The insurance brochure and/or website did not answer all my questions, who may I contact with specific coverage questions?
You may contact the Plan Representative, EIIA, directly at 888-255-4029.
I submitted my insurance waiver after the quarter deadline, can the waiver be applied to the prior quarter?
No, insurance can only be waived at the start of any quarter and cannot be backdated. Any waivers received after the start of a quarter will apply to the remaining quarters only.
I processed an insurance waiver last year, why am Idoing it again?
Insurance waivers do not carry over from a prior school year; a new waiver is required each school year.
If I am a domestic student and waive the 91ÊÓƵ Insurance, can I visit the Student Health Center?
Yes, you are not required to have the 91ÊÓƵ Student Insurance to use the Health Center.
I am an international student and I purchased insurance before coming to 91ÊÓƵ, can I waivethe insurance 91ÊÓƵ provides?
No, all international students registered for classes and/or attending 91ÊÓƵ through a special program or activity, are required to retain the insurance 91ÊÓƵ provides.
I am traveling abroad; will the 91ÊÓƵ Student Health Insurance provide coverage outside of the United States?
No, the 91ÊÓƵ insurance only provides coverage for treatment obtained while in the United States.
