Insurance
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Basic Accident Coverage
All traditional undergraduate students enrolled at RWC for more than seven credit hours are covered by basic accident insurance. This policy covers students on or off campus during the school year (August 27 through May 15) and acts as secondary accident insurance for those students not enrolled in the college’s Health Insurance plan (see below).
Basic accident insurance provides coverage up to $3,000 for medical expenses related to injuries incurred due to an accident.* A deductible of $25 applies to all but interscholastic sports injuries. Claims exceeding $100 are covered up to $3,000 only to the extent they are not covered by other insurance. This benefit includes coverage for treatment of injury to natural teeth.
*Please see plan brochure for exclusions to this coverage.
All traditional RWC undergraduate students taking seven credit hours or more must have medical insurance coverage.
Students are automatically enrolled in the college policy and charged each semester for the health comprehensive insurance coverage. In order to waive this coverage, you must verify coverage upon entrance and every subsequent Fall semester.
All students must visit the following website to:
1. Waive coverage - or -
2. Enrollment of college's health comprehensive insurance
Co-ordinated Benefit Plans Application
If you are having trouble with the webwaiver, please go the below link. Print form and return to the Health Center.
Waiver/Enrollment Insurance Form
Students who do not complete or annually update this website will automatically be enrolled in the college’s health comprehensive insurance program, and the charge will appear on the billing statements from Student Accounts.
The cost for the 2010-2011 academic year is $136.00 per semester.
No refunds after September 30th for the Fall Semster. Readmit and transfer students starting in the Spring must visit the website by January 15 and update their information each subsequent Fall semester.
Families should note that this health insurance offers very basic and minimal coverage though it is well suited to the RWC Health Center set-up. The cost is also minimal. Students may opt to supplement their private insurance plan with this additional coverage.
An insurance coverage highlights sheet can be downloaded by clicking here.
Insurance Brochures
Student accident and health insurance plan brochures are available at the Health Center and can be downloaded at Niagara National Inc.
Dependent Insurance
Family coverage is available for an additional fee for those students desiring coverage for spouses and/or children. Enrollment forms are available in the Health Center.
Filing a Claim
How to file a claim if covered by the College Insurance Plan:
- Have all bills for medical services mailed directly to you in your name. Do not have medical bills sent to Roberts Wesleyan College.
- Bring the original bills to the Health Center. A claim form must be completed and submitted for each illness or injury. It is not necessary to complete a separate form for services related to the same illness or injury. You may visit Markel's website or download a claim form by clicking here.
Dental and Vision Coverage
Dental care and access to discounts on vision coverage are being made available beginning in Fall 2009 through Niagara National. To review the plans and enrollment information, please visit www.niagaranational.com, select Student Insurance, and select Dental & Vision
Additional Insurance Information for Parents and New Students
Parents, you can help your student immensely if you share the following information:
- Who the insurance provider is (ID card or name, contract number, and customer service number of insurance company).
- How to make a claim with the health insurance company.
- How to contact the health insurance company for approval to be seen out of area or by a new provider.
- Who the primary care doctor/provider is and how he or she can be reached.
- The rules for emergency versus non-emergency care.
- What is considered an emergency by your medical insurance plan—students sometimes think it is an emergency if they vomit or have a headache and seek emergency room care. Such care is often denied by the insurance company, making the student or parent liable for payment.
- The Health Center staff will not be able to give any information about a student’s care to a parent or anyone else unless the student has given signed consent for that information to be provided. Permission may be designated on the annually completed required insurance information form and white health history form.
Any non-traditional and graduate student who is registered and attending is eligible to enroll in the following health insurance; The Sentry Student Security plan offered through E. J. Smith and Associates. Brochures are distributed to interested students during orientation or are available by calling the Health Center at 585-594-6360.
There are two levels of coverage—Plan 1 (basic) and Plan 2. Plan 2 can be expanded to include catastrophic medical and dental coverage. Prescription discounts may be added to either plan for an additional small fee per year.
An enrollment form is located in the back of each brochure. Students desiring coverage must enroll for a minimum of four months by completing the form and mailing the premium payment directly to the insurance company. The address, website, and phone number are listed below and on the back of the brochure if students have additional questions not covered in the plan details.
Sentry Insurance
Policy Benefits
PO Box 8025
Stevens Point , WI 54481
1-800-426-7234
www.ejsmith.com
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