What does the insurance plan available for purchase at FSU cover?
The university-sponsored health insurance is a Blue Cross Blue Shield comprehensive PPO health plan that covers illness, injury and selected wellness coverage including immunizations, an annual physical examination, and an annual women's examination. It is a Blue Options/Network Blue plan. Any provider who accepts the Network Blue plan will accept the student health insurance. The annual deductible is $250.00 per insured person per year. Preexisting conditions are covered with no waiting period or internal limits.
For more details, refer to the student insurance web site at www.studentinsurance.fsu.edu. The plan brochure and benefit booklet are posted on the home page of the web site. Look in the menu on the left side of the page. The Master Policy is posted on the Insurance Information page in the Quick Links box. It is the next to last link in the box.
You may also visit or call the health compliance office (850-644-3608) to receive a printed copy of the plan brochure.
What does the FSU insurance plan cost and what is the percentage of coverage?
The premium matrix is posted on the home page of the student insurance web site in the Must Read section:How much does it cost?
At the Health Center the plan deductible of $250 is waived; the plan coinsurance pays at 100% and the co-pays for illness and injury visits are paid by the health fee. There will be office visit co-pays for wellness visits such as physicals, nutrition appointments, psychiatric appointments, immunizations, etc.
When you seek care outside of the Health Center, it is most cost effective for you to choose providers who are in-network for the Blue Options/Network Blue plan. After the plan deductible has been met, the plan pays 80% of the allowed amount for covered procedures for in-network providers for both domestic and international students and 50% of the allowed amount for covered procedures for out-of-network providers for domestic students and 70% of the allowed amount for international students.
Office visit co-pays do apply to services received outside of the Health Center. For students who have the FSU-sponsored health insurance plan from BCBSFL, no referral is required from the Health Center if you seek care outside of the Health Center. If you have any other health insurance plan, check with your carrier to verify whether a referral is required.
So I'm graduating. What now?
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Withdrawing from FSU?
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Is there vision or dental coverage?
No dental coverage for routine dental care is included in the medical plan.
Several options for dental care are available at the Insurance Information page of the student insurance web site: www.studentinsurance.fsu.edu.
Vision care is included in the medical plan as a discount plan. You must enroll in the Davis Vision discount plan to take advantage of this benefit. Instructions for accessing vision care are posted at the Insurance Information page of the student insurance web site: www.studentinsurance.fsu.edu .
How do I purchase the student health insurance? Go to www.studentinsurance.fsu.edu .To complete the purchase process,
Click on the flashing red and black link above the backpack on the student insurance home page.
Log in using your FSUID and password. There are prompts on the page to assist with activating your FSUID.
Select the Purchase FSU Insurance button.
Follow the prompts. The charges will be posted to your account at student financial services and you will be cleared to register. Read all the instructions.
I have purchased the University sponsored health insurance.
Must I use Health and Wellness Center?
The Health and Wellness Center is your primary health care provider under the University sponsored health insurance plan and your healthcare dollar goes further when you seek your health care at the Health and Wellness Center. The health plan no longer requires a referral for specialty services outside the health center. The plan is structured for you to have wellness visits outside the health center covered at 100% just like the wellness visits at the health center. Visits to providers outside the health center are subject to the deductible, co-insurance payments and office visit co-pays. Always call 911 for a life threatening illness or injury.
I'm a Graduate Assistant (Teaching, Research) or Fellows (McKnight, Gubernatorial, all College Teaching, Interdepartmental and Auzenne Fellows) and am supposed to be getting a subsidy for purchasing my health insurance. Where can I find more information on that?
The health insurance subsidy will be disbursed through Payroll to qualifying graduate assistants by way of a salary supplement and NOT as a Blackboard Account Statement on a semester by semester basis (mid-Fall and mid-Spring). For more information please visit: http://gradschool.fsu.edu/Funding-Awards/Health-Insurance.
I purchased the annual plan:
I have paid the first half of my premium but my parents have secured other health insurance for me. Do I still have to pay the second half of the annual premium payment?
Yes. The plan for annual coverage is an annual plan. The payment has been split in half to allow the debt to be spread between the fall and spring semesters. The plan cancellation policy states that the insurance plan will not be cancelled if other insurance is secured during the coverage period. What can happen if other coverage is secured is that the student health insurance becomes secondary coverage. Charges that are not covered by the primary plan may be submitted to the secondary carrier for reimbursement. Under no circumstances can claims be filed to two carriers for reimbursement of the same charges.
The only way a prorated refund will issued after plan eligibility has been met is if the student leaves the university to join the military.
I have withdrawn from FSU. Do I have to pay my insurance premium?
If you withdraw from FSU up to the 31st calendar day of the term for which coverage was purchased (annual or by the semester), you are not eligible to be covered by the school sponsored health insurance plan. If you have filed any claims against the insurance plan, the premium less any paid claims may be returned to you. This is not automatic. You must request cancellation of the plan and reimbursement of the premium to you. At that time, the charge for the second half of the annual premium, if the annual plan was purchased, will be removed from your account at student financial services. If you have already paid the annual premium in full, a refund will be processed for you.
If you withdraw from FSU after the 31st calendar day of the term for which coverage was purchased (annual or by the semester), you have met the eligibility requirement to be insured by the plan. The full premium must be paid. The health compliance office can assist you in finding providers so that you can use the plan away from campus.
If you purchase your insurance for fall only and then again for spring/summer, the 31-day eligibility requirement must be met once for the fall and again for the spring term.
I am graduating in December. Can I purchase the spring/summer coverage?
No, you may not purchase the spring/summer coverage. You must be an enrolled student to purchase coverage.
If you purchased the annual plan, you will continue to be covered through the following August 14. The remainder of the annual premium must be paid. Failure to pay the second half of the annual premium may result in the unpaid balance being sent to collections.
If you are graduating, you may contact Collegiate Risk Management (CRM), our insurance broker, at 850-644-4250 or 800-922-3420, for short term plans.
The FSU Alumni Association also has health plans for graduates. Visit their website at www.alumni.fsu.edu . Click on Membership Info and then Membership Benefits and scroll down to Insurance.
I will be graduating in the spring. Is there a spring only option?
No, spring only coverage is not an option with the school sponsored health insurance plan. Consider that most students do not have immediate health coverage even if they are immediately employed upon graduation. This coverage provides an affordable safety net while you are looking for work or waiting for enrollment in your employer paid plan to begin, a waiting period that can typically be up to 90 days
I have changed my mind and do not want the health coverage. May I cancel the plan?
That depends on when you selected your coverage. Open enrollment for the summer only, annual and fall only coverage typically opens in March. Open enrollment for spring/summer coverage opens in October. You have 30 days from the day you select the plan to change or cancel your purchase. For example, if you select coverage on April 3, you have until May 3 to change or cancel the plan. If you select the plan in April and change your mind when you receive the invoice for payment in July that is too late. You are insured and the premium must be paid. Any request to change or cancel your plan must be made in writing to firstname.lastname@example.org. Telephone or walk-in requests are not accepted.
It is important for you to read and understand the implications of purchasing health insurance. If you can be covered under a parent's or an employer's insurance, make certain to have the information for the waiver available BEFORE you want to register for classes. Often students make a panic purchase of the student health insurance so they can register for classes and forget to update insurance information or request cancelation in a timely manner. DO NOT PURCHASE THE STUDENT HEALTH INSURANCE TO CLEAR A PRIVATE INSURANCE WAIVER. That can be an unnecessary and expensive lesson.
My insurance card had not arrived. Can I get a temporary insurance card?
If it has if it has been at least two weeks since you purchased your plan and the school term has begun, log into the screen where you purchased your plan. If a policy number has been assigned to you, you will see a button to Print Insurance Card.. If you cannot print a card, contact the Health Compliance Office for assistance at 850-644-3608.
Make sure your local mailing address in Secure Apps of your Blackboard account is up to date with a Postal Service-approved address. That is the address we provide to BCBS for mailing your card.. A room number in a residence hall is not sufficient.
Can financial aid be used to pay for the student insurance? Yes. How?
When a student receives financial aid (grants, scholarships, prepaid, loans, etc.), that money all goes into the student's account at student financial services. Tuition is paid from that account first. All other charges are paid on a first in, first paid basis. The student who has purchased the student health insurance has the insurance premium “in line” for payment from the funds in the student account at student financial services. Depending on where the insurance premium is “in line” to be paid from the student’s financial aid, the premium may be paid in full, in part or not at all. If the premium is paid in full by financial aid, the student has no out of pocket expense for insurance.
Once all of a student's bills are paid, any money remaining on the student's account at student financial services is transferred to the student either by EFT to the student's Suntrust account or by check to the local mailing address the student has on file. If there are bills remaining to be paid when the financial aid is exhausted, then the remaining charges are the student's responsibility.
Any other charges posted to the student's account after the remaining financial aid money has been disbursed to the student must be paid by the student before the student will be allowed to register for the ensuing term.