Benefits
- Services for illnesses and injuries are covered.
- 1 Million dollars lifetime maximum benefit.
- A Stop Loss provision limits the insured's out-of-pocket expenses for eligible charges to no more than $1,000 per policy year.
- Policy benefits are payable world-wide and do not require an ISU Health Services referral.
- Deductible $50 per policy year (waived if you have other health insurance, see below *)
- Have a health question in the middle of the night? Your telephone can feel like a lifeline. With one toll-free call to Aetna’s 24-7 health information line, you can discuss your health concerns with an experienced registered nurse.
After the annual deductible is met, the following benefit percentages apply:
- Hospital inpatient & outpatient - 80%
- Hospital emergency room (for injury or life threatening illness) - 100%
- Non-emergency illnesses treated in an emergency room are not covered.
- Surgical - 80% reasonable & customary
- Physician - 80% reasonable & customary
- Anesthesia - 80% reasonable and customary
- Dental treatment rendered as a result of injury to sound, natural teeth - 80% reasonable & customary
- Chiropractic care - $25 per treatment with a $300 maximum per policy year
- Mental health - See brochure for details
- Laboratory and xray - 80% of reasonable & customary
- Ambulance - 80% of reasonable & customary
- Pregnancy - 80% reasonable & customary
* If Student has other health insurance, which is primary to Student Insurance, the $50 deductible is waived and ISU will consider the balances left after other coverage has made a determination.
There are two health-related fees included with tuition. The Student Insurance fee and the Student Health Service fee support two separate services. Charges resulting from use of the Student Health Service may be covered and can be submitted to any insurance which covers the student, including Student Insurance. For more on this topic...
