Find answers below to your most frequently asked questions...
Eligibility
Costs
Medical Services
Prescription Medications
Covered Benefits
Waiving the Insurance
Renewing the Insurance
Claims Procedure
Referral to Specialists
Women's Health Services
For general health information and disease-specific information, please visit Health Related Links
Eligibility
What period of time does the Student Insurance Plan cover?
The policy period is from August 15, 2010 through August 14, 2011.
How do I know if I will be enrolled in the Student Insurance Plan?
All full-time, matriculated undergraduate students enrolled for 12 credits or more and all graduate students enrolled for 9 credits or more, will automatically be enrolled in the Student Insurance Plan and billed unless the student electronically submits a waiver form with information about other current health insurance coverage. An electronic waiver form must be filed for each academic year an exemption is requested.
- To submit your insurance waiver form, sign in to PirateNet and access the Banner Self Service channel by clicking on the "MyInfo" tab.
I am graduating in one semester or leaving school--can I get a policy for one semester?
If you are not enrolled for the next semester or leave by September 8, 2009 in the Fall semester or January 27, 2010 in the Spring semester, your insurance coverage will terminate, and you will not be billed. Students who leave mid-semester (e.g., sudden medical leave of absence) have already been billed and will have the policy in effect until the end of the policy period for that semester.
I have been a full-time student, but this last semester I am taking fewer credits in my degree program. Can I enroll in the Student Insurance Plan?
Yes, you may enroll in the Student Insurance Plan if you are registered for a part-time load and this is your last semester in your degree program. However, you must complete the "Request for Student Health Insurance" form and return the form to 235 University Center and payment for the premium to the Bursar. They will review your status in the degree program and contact you with any questions about the request. If approved, Enrollment Services will manually change your bill to add the charge for the insurance for the semester. There is no pro-ration of the premium if you elect coverage in mid-semester.
Costs What does the insurance cost and how do I pay?
The South Orange Campus policy is $574 per calendar year. The bill for the Student Insurance Plan is included in your usual bill from Student Accounts. Half the annual cost [$287] is billed in the Fall semester; the second half [$287] is billed in the Spring semester.
Can my financial aid package be changed to cover the cost of the Student Insurance?
You may meet with an Enrollment Services staff member to re-package your financial aid to cover this year's insurance cost. In most cases, this will mean extending a loan to include the cost of the insurance.
Medical Services What types of medical services are covered by the Student Insurance?
There is limited coverage according to a schedule of benefits for the following services: inpatient care, outpatient care, laboratory tests and X-rays, prescriptions, emergency dental care for accidental injuries, physiotherapy, mental health services; immunizations.
Do I have to be seen in Health Services before using off-campus medical providers or emergency services?
Student health insurance coverage begins from the first visit to an off-campus health care provider if you have an urgent health situation and cannot reasonably come to Health Services. If you choose to contact an off-campus health provider instead of coming to Health Services first, and your health situation is not urgent or an emergency, the insurance coverage will begin at the second visit.
What if I need medical care when Health Services is closed?
Depending on the severity of your medical need, please do the following:
- Call 911 if you need immediate assistance for an emergency
- Go to a local medical walk-in clinic (See After Hours Care)
- If unable to get services at a walk-in clinic, go to the nearest hospital for an urgent problem.
- For a minor problem, see the Self Care Guide for helpful self-treatment.
- Consider contacting an AETNA preferred provider. See www.aetnastudenthealth.com for the list of providers or call (866) 725-4410 .
What free medical services are available through Health Services?
Health & Counseling Services provide free, strictly confidential primary medical care and psychological assessment and counseling. For details about services, staffing and hours, please click here.
Prescription Medications Does the insurance pay for prescription medications?
Your insurance plan offers up to a $500 benefit for the policy period for prescription medications. When you get a prescription filled at a pharmacy, you must pay for the medication and then submit a "Claim Form" with a copy of your bill to the Insurance company to receive reimbursement. [See "Claims Procedure," below]. You may locate participating pharmacies by visiting www.aetnastudenthealth.com and clicking on "Find a Doctor, Hospital or Pharmacy - Find In-network providers" under Member Quick Links.
Covered Benefits How do I know if the treatment I am receiving is a covered benefit?
For questions about coverage, read the insurance brochure that is mailed to you or download the brochure. If you still have questions, call AETNA at (866) 725-4410.
Can I enroll my spouse and dependent children in the Student Health Insurance Plan?
Yes, for an additional fee, you can enroll dependents for coverage in the insurance plan, as long as you [the student] are enrolled in the insurance plan. Eligible dependents include your spouse and unmarried children under 31 yr. Dependent eligibility expires concurrently with that of the insured student. Go to www.aetnastudenthealth.com to complete this online process.
Waiving the Insurance
I have other health insurance -- how do I waive out of the Student Insurance Plan?
You must electronically submit a waiver form to have the cost of the Student Insurance Plan deducted from your Student Accounts bill. Waivers may only be submitted on-line and must be received by no later than the end of the add/drop period for the Fall semester [September 7, 2010] and no later than the end of the add/drop period for the Spring semester [January 25, 2011].
- To submit your insurance waiver form, sign in to PirateNet and access the Banner Self Service channel.
Once I electronically submit a waiver form, am I automatically waived from the Student Insurance Plan as long as I'm enrolled at Seton Hall?
No. You must electronically submit a waiver form for each academic year for which you are requesting an exemption. Eligibility status for other insurance plans can change as personal circumstances change (e.g., employment, age), so the University needs up-to-date information on your other insurance coverage.
I waived out of the Student Insurance Plan, but now I want the Student insurance coverage--what do I do?
You may add the student insurance coverage midyear. Go to the waiver and click on "Cancel Waiver." Your account will be charged and you will be enrolled. There is no pro-ration of the premium if you elect coverage in mid-semester.
Renewing the Insurance
How do I renew my coverage?
Your insurance coverage will automatically be renewed and billed when you enroll for the next semester unless you electronically submit a waiver form with Enrollment Services. When you graduate, your coverage will terminate after August 14th.
Claims Procedure
What is the claims procedure? Whom do I speak with about claims issues? Where do I get claim forms?
For
complete instructions on using the Student Insurance Plan, please
visit Aetna Student Health website. Choose the "Help Center" link for
directions, including AETNA claim forms and prescription drug claim
forms.
Referral to Specialists
How do I get referred to a specialist ?
Call
Health Services (973) 761-9175 and speak to a health care professional, as they may be
able to provide you health care services for your medical problem. You
do not need a written referral to see a specialist. You can go to FIND an AETNA provider through AETNA's "DocFind" websearch page. Claim forms are available by download here. If you choose an out-of-network provider, you may be billed for any of the claim not covered.
Do I have to pay the off-campus doctor or specialist at the time of the office visit?
Most health care providers will request payment at the time of the
visit. Confirm this with their office prior to your appointment. You
should obtain a receipt of services provided, attach it to a completed insurance claim form and follow the instructions provided at Aetna Student Health's website.
Women's Health Services
Does Health Services provide birth control prescriptions?
Health Services provides medical care consistent with Seton Hall's Catholic Mission. Women's health care is provided, including gynecological exams, Pap smears, STD/HIV and pregnancy testing and counseling. Prescriptions for birth control or the "morning after pill," are not available. Any student who reports having been raped is referred to a local Rape Crisis Center for assessment and medical treatment.
Are maternity services covered?
Yes, maternity service benefits are provided for expenses incurred as a result of pregnancy and childbirth. The benefit amount for expenses for pregnancy and childbirth will be provided to the same extent as the hospitalization benefit is provided in the policy for any other sickness. Conception must occur on or after the insured person's effective date of coverage under the plan.
