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Student Health Insurance

Student Health Insurance is mandatory for all Western Illinois University students who are taking 9 semester hours or more or more of on-campus classes*. The Student Health Insurance should be used along with existing family coverage, and student insurance is suggested as way to provide the student with guaranteed coverage, 24 hours a day protection and a very low deductible in the event of accident or illness. WIU’s Student Insurance will provide help for mental health and substance abuse issues, as well as hospital stays, maternity care and ambulance transport.

**New Plan Beginning Fall 2013**

The Student Health Insurance policy is currently undergoing a change from self-insurance to a fully insured plan. At this time we are unable to verify any information about the new policy. Once the decision is finalized, ALL students and staff will be notified of the change. Thank you for your patience during this transition.

The Student Health Insurance office is located in the Lower Level of Beu Health Center. Call (309) 298-1882 for more information. Hearing Impaired Students call TTY: (309) 298-1856.

2012-2013 Student Health Insurance Benefits

Benefits at a Glance

Coverage Benefit
Lifetime Maximum Benefits $250,000
The deductible must be paid before the benefits can be utilized.
This does not apply to Beu Health Center.		 $200 per policy year
Medical Emergency
Must obtain care within 48 hours		 80% of UCR
Emergency Room Visit – Referred by Beu Health Center or Out-of-Area 80% of UCR
Hospital Room and Board 80% of UCR
Hospital Miscellaneous Benefit 80% of UCR
Surgical Benefit 80% of UCR
Assistant Surgeon Benefit 50% of UCR
Anesthetist Benefit 80% of UCR
Doctor’s Visits – Inpatient and Outpatient 80% of UCR
Outpatient Diagnostic X-Ray and Laboratory Test Expense 80% of UCR
Accidental Dental Benefit Injury to Sound Natural Teeth 80% of UCR
maximum $500 per tooth
Chiropractic Benefit 80% of UCR
$30 per visit up to a maximum of
$500 per policy year
Consultant Benefit 80% of UCR
Mental Nervous Benefit***
Inpatient
Outpatient		 80% of UCR
50% of UCR, $2,000 max per policy year/1 visit per week
Alcohol and Substance Abuse Benefit***
Inpatient**
Outpatient		 80% of UCR
50% of UCR, one visit per week:
$30 max per visit;
$2,000 max per policy year
Ambulance Benefit 80% of UCR
Maternity Benefit 80% of UCR
Physiotherapy Benefit 80% of UCR past surgical
or referral from Beu Health Center
$500 maximum per policy year
Beu Health Center no deductible applied
100% of approved charges

**Referral from Campus Health Center is required.
***Combined Lifetime maximum for mental illness and alcohol, and substance abuse is $20,000.
Note: Student must be insured at the time medical expense in incurred for benefits listed above to apply. Any other insurance coverage is used in determining the amount of benefit payable under this Plan.

Other insurance coverage is used in determining the amount of benefits payable under this Policy.
Note: Student MUST be insured at the time medical expense is incurred.
Note: The Student Health Insurance Plan or costs associated with the plan may change periodically. Please check with Student Insurance for current plan and rates.

Coverage Period

The plan protects all eligible students 24 hours a day. Continuous year-round coverage is available if the student maintains 9 semester hours, undergraduate or graduate, during the fall and spring semesters.

Effective Dates

  • Fall Semester: 08/01/12 (12:01 a.m.) to 1/31/13 (midnight)
  • Spring Semester: 02/01/13 (12:01 a.m.) to 07/31/13 (midnight)

Student Eligibility

All students who are registered for 9 undergraduate or graduate semester hours during the Fall and Spring Terms* will be eligible for coverage under this Plan. All graduate assistants under contract with the University and enrolled in on-campus classes, WESL students and Spoon River College students residing in University housing are also assessed the fee for this coverage. All students eligible for coverage under this Plan will be assessed a Student Health Insurance fee on their University bill.
*excluding post session, extension, correspondence, extramural or on-line hours

Students can also sign-up for coverage by contacting the Student Health Insurance Office.

  1. Extension, on-line and WIU-QC students who register for 9, 10 or 11 hours. Application to be made during the first ten days of the term. Application must be made each semester coverage is desired.
  2. Undergraduate and graduate students who require less than 9 hours to graduate, have graduate clearance forms on file, and are registered for 6, 7 or 8 hours. Applications are to be made during the first ten days of the term.
  3. Insured graduating students who will not be enrolled in classes during the term following graduation. Application to be made prior to the last day of the covered period. Coverage for these students is available for 3 months.

Costs

  • Student per Semester: $369.19
  • Graduating Students: $184.60 (3 months coverage)

Claim Procedures

In the event of an injury or illness, an insured student MUST:

  1. If on campus or residing locally, report to Beu Health Center for proper medical treatment or referral.
  2. For outpatient treatment of mental illness or substance abuse, contact the Director of the Counseling Center and/or Director of Beu Health Center to determine if a professional non-University referral is necessary.
  3. If away from the University, a) consult a Physician; b) contact the Student Health Insurance office for claim forms.
  4. An insurance claim form along with itemized bills with diagnosis must be submitted to the Student Health Insurance Office within 52 weeks from the date of medical expense to be eligible for benefits.

Student Health Insurance

Western Illinois University's Student Accident and Illness Insurance Plan is intended to supplement and complement services normally available to students through Beu Health Center. Services of the Health Center are available to all students. Even if you are not covered by Student Insurance, you may still use the Health Center at no additional charge. The Student Health Insurance Office is located in the lower level of Beu Health Center.