These FAQs are provided for your convenience and should be considered as guidance only. We will be happy to help you in person or by phone to provide a comprehensive and individualized response to your questions.
Insurance enrollment is automatic with registration of 9 credit hours fall and spring, and with 6 credit hours summer. For more on this topic...
Insurance cancellation requests are due prior to the 15th calendar day fall and spring, and the 8th calendar day summer. With the request, you need to provide evidence of other coverage. The easiest method is to show a copy of your other insurance card.
Cancellation requests result in the insurance fee being removed from your tuition bill. If you have paid the bill in full at the time of cancellation, and if you do not owe any money to ISU, a check will be issued to your local address by the Student Accounts Office. For more on this topic...
Student Insurance coordinates with your family coverage so that you would expect 100% compensation for medical expenses. This Plan picks up your other deductibles, co-insurance, and amounts above usual and customary or otherwise unpaid by your other insurance. If your other coverage is a managed care plan, you may have restrictions or diminished coverage for out-of-area non-emergencies. The addition of this Plan can close the gap and widen your access to care anywhere in the world without restrictions or pre-authorizations required. For more on this topic...
When charges are incurred in the Student Health Service, ask for an itemized bill suitable for insurance from the Student Health Service Business Office. You will need to submit that bill to any insurance you have. Meanwhile, the charges will be posted to your Student Account. For more on this topic...
No dependent coverage is available. International students are referred to the Office for International Studies for material on policies which can be purchased for the coverage of dependents. U.S. students are referred to other agencies which offer dependent medical coverage plans.
Students who withdraw or reduce hours below 9 are advised to speak with a benefits counselor in order to maximize their options. Insured graduates are eligible to purchase insurance at the group rate for one additional term. For more on this topic...
Yes, students who are insured with Student Insurance may continue coverage for one semester at the student rate. For more on this topic...
Students whose withdrawal dates are after the 15th calendar day of the term (8th day for summer session) will retain Student Insurance for the remainder of the term. Students leaving the plan are eligible to convert from group benefits to an individual policy. Please contact Student Insurance ( (309) 438-2515) for terms and conditions.
The Student Insurance office on campus provides customer service and processing of claims. The address is Campus Box 2541 , Normal Illinois 61790-2541 . Phone number is (309) 438-2515. For more on this topic...
Pre-existing conditions are not covered until you have been insured for at least one year.
Most injuries and illnesses requiring hospitalization, emergency room, outpatient, lab, X-ray, office calls, ambulance, chiropractic, mental health, maternity, physical therapy, surgery, anesthesia, and more. For a complete description of the policy, contact Student Insurance, (309) 438-2515. For more on this topic...
Illnesses and injuries of the eye are covered. Also, certain providers offer insured students discounts off of vision exam, contacts, and glasses. Providers in this community are Pearle Vision and Sears Optical, both at Eastland Mall, Bard Optical, Lenscrafters and All About Eyes. Providers are also available in other areas. For more on this topic...
A physical is not required. Insurance benefits cover illness and injury. There is no coverage for routine physicals nor for employment physicals.
Yes, insurance provides world-wide coverage.
Pregnancy is a covered condition. For benefits to be payable, you must be insured at conception and on all dates of service.
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Your out-of-pocket expenses are limited to no more than $1,000 for covered charges, per policy year. Maternity charges which are not eligible include routine sonograms, vitamins, and any prescriptions. To read about the optional prescription discount program, please go to the Chickering Group web site. Dependents are not covered. Please see the Student Insurance brochure for hospital nursery coverage.
When eligibility for the Student Group Plan ends, a continuation option is available. Contact Student Insurance benefit counselors who will be happy to help you (309) 438-2515.
No. Prescriptions are available at a reduced cost at the Student Health Service Pharmacy. For more on this topic...
