Frequently Asked Questions
ACSA Membership:
Q: Do I need to be a member of the ACSA to enroll in the student
health insurance?
A: Yes.
Q: When I enroll online, do I have to pay for my insurance with my
credit card online?
A: No, you can choose “mail in payment”, complete the enrollment form and
mail with your check, money order or credit card information.
Q: Once I join ACSA, do I need to re-apply for membership?
A: No, when you create your username/email address and password, you become
a member for as long as you are a college student or until you graduate. Please
keep your username and password in a safe place for access to your personal
information. You may email us at info@acsa.com to request this information
should you not have this information. NOTE: password is case sensitive.
Online Enrollment:
Q: Can I complete the enrollment form on-line and mail in payment?
A: Yes, select the mail in payment option; complete the information, print
enrollment form and mail with payment to the address printed on the form.
Q: Can I pay by credit/debit card or electronic check?
A: Yes, select online credit card payment option and complete the
information.
Q: I tried to enroll for the insurance plan and have received a
message that states my email address is already on file. What does this mean?
A: You previously entered a username/email address and password. You must
login using the username/email address and password that you previously set up.
If you do not remember your username and/or password, please email us at
info@acsa.com and we will reset your password. Please furnish us your first and
last name and date of birth.
Q: If my school is not listed, am I still eligible to apply?
A: Yes, if your school is not listed, please select my school is not listed
from the drop down box and then click next step to continue the enrollment
process.
Eligibility:
Q: Am I eligible for the insurance policy?
A: Yes, if you are:
- Enrolled in a college, university, community college or technical school.
- A registered undergraduate student taking 6 or more hours (3 hours during the
Summer session)
- Graduate student taking 3 or more hours and/or registered for thesis or
dissertation (maximum one year if not taking credit hours)
- A student taking classes via the Internet (you would have to be registered for
and taking classes on campus in order for internet classes to qualify)
- Or a student who is considered to be taking a full-time course load in their
field of study is eligible to enroll in the plan on a Voluntary basis.
Note: You must actively attend classes for at least 31 days after the
effective date of coverage. Coverage may be effective 15 days prior to the first
day of classes.
Massachusetts Insured: All registered students taking 9 or
more credit hours are eligible to enroll in this plan on a hard waiver basis.
All other registered students taking less than 9 credit hours are eligible to
enroll on a voluntary basis.
New York Insured: ALL
Note: Students must actively attend classes for at least 31 days after the
effective date of coverage.
Q: If I am not an International Student, can I enroll in the
International Student Plan?
A: No
Q: Do I need to attend a particular school to be eligible for this
plan?
A: No, as long as you meet the eligibility requirements of the plan, you may
enroll. Students must also attend a school in an eligible state or reside in an
eligible state for coverage. Plans are not available in MT, NH, NJ, OR, PR, VT,
and WA.
Policy Effective Dates of Coverage:
Q: When can I begin my policy?
A: You can enroll in the plan at any time throughout the year as long as you
meet the eligibility requirements at the time your policy is purchased.
Requested effective date can be 15 days prior to your first date of attending
classes. Students must actively attend classes for at least 31 days after the
first official day of class, after the date for which coverage is purchased.
Your plan will begin on the date that premium is received, or date requested,
whichever is later. If you select online credit card payment, coverage can begin
that day unless you request a later effective date.
Q: When does my policy expire?
A: If you select quarterly, your plan will expire 3 months from the
effective date. If you select semi-annually, your plan will expire 6 months from
the effective date. If you select 9 months, your plan will expire 9 months from
the effective date. If you pay annually, your plan will expire 12 months from
your effective date. You can renew your plan at each of these intervals as long
as you still meet the eligibility requirements. Please contact our Customer
Service Department at 800 505-5450 for effective dates and policy expiration
dates.
Premium Payment:
Q: When can I enroll in the student health insurance plan?
A: Any time throughout the year, as long as you meet the eligibility
requirements when making payment.
Q: Do I have to make an annual payment at the beginning of the year?
A: No, you have the option of making the entire annual payment, or
installment payments of 9 months, 6 months or 3 months.
Q: Can I pay monthly?
A: No, the lowest payment option available is quarterly.
Q: Will I receive a renewal or installment premium notice?
A: It is the student’s responsibility to make timely renewal payments to
avoid a lapse in coverage. Please mark your calendar!
Q: The policy states that I cannot make an annual payment after
10/31/09. Does this mean I cannot enroll in the plan after that date?
A: No, after 10/31/09, you can enroll for 9, 6 or 3 months. After 01/31/10
you can enroll for 6 or 3 months. After 04/30/10 you can enroll for 3 months.
Benefits:
Q: What is my deductible?
A: ** Please note, all preferred providers for these plans are United
Healthcare Options PPO
Domestic High Option Plan: $150 Preferred Provider
Deductible (per insured, per policy year) $250 Out-of-Network Deductible (per
insured, per policy year)
Domestic Low Option Plan: $100 Preferred Provider Deductible
(per insured, per policy year) $200 Out-of-Network Deductible (per insured, per
policy year)
International High Option Plan: $50 (for each injury or
sickness) $100 max deductible (per insured, per policy year)
International Low Option Plan: $50 (for each injury or sickness)
$200 max deductible (per insured, per policy year)
New York Residents Only:
NY High Option Plan: $150 Preferred Provider Deductible (per
insured, per policy year) $250 Out-of-Network Deductible (per insured, per
policy year)
NY Low Option Plan: $100 Preferred Provider Deductible (per
insured, per policy year) $200 Out-of-Network Deductible (per insured, per
policy year)
NY International High Option Plan: $50 deductible (per
insured, per policy year) $100 deductible (per family, per policy year)
NY International Low Option Plan: $50 deductible (per
insured, per policy year) $200 deductible (per family, per policy year)
Massachusetts Residents Only:
MA High Option Plan: $150 Preferred Provider Deductible
(per insured, per policy year) $250 Out-of-Network Deductible (per insured, per
policy year)
MA International Plan: $100 deductible (per insured, per policy
year)
Q: Do you have a list of providers?
A: All preferred providers for these plans are United Healthcare Options
PPO. Please visit
www.uhcsr.com/ACSA for providers in your area.
Q: Will any provider accept your insurance?
A: It is up to the individual provider. If they do not accept insurance, you
must pay the charges, submit the receipts and be reimbursed by the company.
Q: What does Inpatient mean?
A: Inpatient is when the insured is admitted overnight in the hospital.
Q: What does Outpatient mean?
A: Outpatient is when the insured does not have an overnight stay in the
hospital.
Q: What does Paid under Outpatient Miscellaneous mean?
A: There is an Outpatient Miscellaneous benefit listed in the schedule of
benefits. Any services which state “Paid under Outpatient Miscellaneous” will be
paid under the maximum listed.
Renewing my insurance plan:
Q: Will I receive a renewal notice?
A: Renewal notices are mailed out approximately 2-3 weeks prior to your
expiration date of your policy. Mark your calendar; it is your responsibility to
make timely renewal payments. If you do not receive a renewal notice, please
visit our website, login and select apply or renew.
Q: Do I need to meet the eligibility requirements each time I make a
renewal payment?
A: Yes. EXCEPTION: If you are making a renewal payment over the summer
quarter and you are not taking summer courses, you can renew your plan as long
as you were insured the quarter prior to the summer quarter and do not have a
lapse in coverage.
Contact Information:
Q: I have submitted an application and want to know if my premium
has been received.
A: Please contact Customer Service at 1 800 505-5450.
Q: I have questions about the enrollment process for insurance. Who
do I contact?
A: Please contact ACSA at 888-526-2272 or 800 505-5450.
Q: I have a question regarding benefits of the plan. Who do I
contact?
A: Please contact the insurance company directly at 800-505-5450. Please
tell them you are calling regarding the American College Student Association
Plan.
Q: I have filed a claim and have questions regarding my submission.
Who do I call?
A: Please contact the insurance company at 800-767-0700. Please tell them
you are calling regarding the American College Student Association Plan.
Q: I need a letter of verification for my insurance plan. Who should
I contact?
A: Please call 800 505-5450 and they will mail or fax a verification letter.
Q: I am 41 and over and need rate information. Who should I contact?
A: Please contact the insurance company directly at 800 505-5450 for quotes
and coverage information.
Health Insurance Portability and Accountability Act of 1996
(HIPAA)
(
aspe.os.dhhs.gov/admnsimp/)
Q. When an individual reaches the age of majority or becomes
emancipated, who controls the protected health information concerning health
care services?
A. The individual who is the subject of the protected health information can
exercise all rights granted by the HIPAA Privacy Rule with respect to all
protected health information about him or her. Generally, the parent would no
longer be the personal representative of his or her child once the child reaches
the age of majority or becomes emancipated, and therefore, would no longer have
access to the health information about his or her child. Of course, any
individual may designate a personal representative – which may include a parent
– who can exercise rights on his or her behalf.
Q. Can the personal representative of an adult or emancipated minor
obtain access to the individual's medical record?
A. The scope of access will depend on the authority granted to the personal
representative by other law. If the personal representative is authorized to
make health care decisions, generally, then the personal representative may have
access to the individual’s protected health information regarding health care in
general.
Q. How can I obtain a "Personal Representative Form"?
A. Login under the home page, you will find it under the insurance benefits
area.
Q. Where do I mail the form?
A. United Healthcare Student Resources
Attn: Customer Service
PO Box 809026
Dallas, TX 75380-9026
Or
Fax to 469 229-5612