Student Insurance Plan

Overview

The CCAD student insurance plan provides a very convenient and cost-effective way for students to receive medical care while enrolled full time at the college. All full-time CCAD students are automatically enrolled in the College’s student health insurance plan unless they provide proof of other coverage and waive out of the program (see below). For detailed information on the 2012-2013 plan download the student health plan brochure (PDF).

Some of the Specific Benefits of the Plan Include:

• No designated list of healthcare providers. Students can receive services from any medical doctor they choose, however, using doctors from a list provided at www.beechstreet.com, or 800.432.1776 will help keep any out-of-pocket expenses lower should you exceed the maximum coverage amounts.
• First dollar coverage for eligible expenses incurred for an outpatient visit to a doctor or clinic (provided the costs stay within the maximum coverage amounts and the visit is not to an emergency room).
• Costs for prescriptions are reimbursed for covered illnesses when combined with other miscellaneous charges not to exceed $500 (up to the maximum coverage amounts if a major medical claim).
• To use the plan, students only need to show their insurance card to the healthcare provider to receive services, and submit a claim form (PDF) to the insurance company (available at One-Stop Student Services or at www.studentplanscenter.com)

Frequently Asked Questions:

What is a “covered sickness?”
Generally speaking, the plan covers any sickness (see the official insurance brochure (PDF) for exclusions). The plan does not cover dental work or eye care, unless the damage is a result of a specific injury. Elective surgery, preventive medicines or vaccines, and intentionally self-inflicted injuries are also not covered.

What is the limit of coverage for a general sickness when seen as an outpatient?
Eligible expenses are covered at 100 percent of usual and customary charges up to $500 per sickness. This includes charges by a radiologist or for laboratory tests. Your maximum benefit per sickness is $5,000 unless you extend your benefits to $25,000 by returning the proper form attached to the insurance brochure with a $100 payment.

What is my out-of-pocket expense?
The plan pays first dollar coverage for each condition up to the limits described under the Basic Medical Expense Benefit Schedule shown in the Student Accident and Sickness Insurance Plan Brochure (e.g. $500 for miscellaneous outpatient expenses). The next $100 is out of your pocket, after which the Major Medical Expense Benefit will pay 80 percent of eligible charges up to the maximum benefit of $5,000.

What if I have to be admitted to a hospital (inpatient services)?
Eligible expenses are covered at 100 percent of Usual and Customary charges, limited to a maximum payment of $1,000 per sickness as allocated in the schedule of benefits. (Example: semi-private room, $400 surgical allowance and $300 miscellaneous hospital charges). Expenses incurred beyond $1,000 are eligible for payment of up to 80 percent of covered charges not to exceed $5,000 for any covered sickness or injury.

Are emergency room visits covered?
Yes, but there is a $100 deductible for every visit to an ER. To avoid paying this deductible you should try to be seen by a doctor at a regular clinic if at all possible. ER visits should only be for true emergencies.

Can you recommend a clinic or doctor?
Two convenient clinics near campus are Gateway Health and Wellness Center at 112 Jefferson Ave., Suite 201 (614.754.6549) and Capital Primary Care at 500 E. Main St. (614.566.9933). They will usually make a same-day appointment for CCAD students. Simply call them for an appointment and state that you are a CCAD student.

Are prescriptions covered?
Yes, prescriptions are eligible for coverage as part of the $500 miscellaneous outpatient benefit. You will first need to pay for the prescription yourself, and then submit proof of payment with a claim form (PDF) to the insurance provider. These forms are available at the CCAD Student Services counter, or by selecting CCAD at www.studentplanscenter.com.

Are mental health issues covered?
Yes, but you must first be referred by a member of the CCAD Counseling Staff. An appointment can be made to see a college counselor through the CCAD Student Services counter.

Can I waive coverage in the student health plan if I already have health insurance coverage elsewhere?
Yes, you can do so at www.studentplanscenter.com by selecting “Columbus College of A&D” on the list of institutions and following the links. You will need to provide proof of other coverage by completing the online waiver form and must do so by the end of the first week of classes for that term.

Additional information about the CCAD Student Insurance Plan can be received from Dwayne Todd, dean of students, at 614.222.4015 or by email. Please note that this is an abbreviated version of the actual insurance policy. The official “Student Accident and Sickness Insurance Plan” brochure, mailed to students in the summer and available throughout the year at the CCAD One-Stop Student Services Office, describes the full terms of coverage and exclusion. The Master Policy is held by the College and is the governing document.