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2008-2009 School Year
University sponsored health insurance plan
ALL FULL-TIME DAY STUDENTS are required to have personal health
insurance. To enforce this policy, all full-time day students
will be enrolled in the university sponsored health insurance plan
for the period 8/10/08-8/10/09; $250.00 for the base plan will be
charged to their student statement. BCS Insurance Company is the
provider of the university sponsored health insurance. A Student
Accident and Sickness Insurance Program brochure will be mailed to
all full-time students for review. The brochure is also available
on the Health Services website at
www.oglethorpe.edu keyword "Health Services".
Waiver of coverage
Students with health insurance can waive coverage under the university
sponsored plan. To do so, students are required to return the student
insurance waiver card to the address located on back of the insurance brochure
or complete the online waiver at
www.collegiaterisk.com
(Enter "OG" and click "submit") before the deadline of September 12, 2008.
For those students who enter school for the spring 2009 semester, the fee is $131.00
(1/15/09-8/10/09) and the waiver information must be submitted by
January 9, 2009. Requests for exemption after the deadline may not
be honored.
If you do nothing, the cost of the insurance will be added to
your student statement. Specific information can be obtained at
www.collegiaterisk.com
(enter "OG") or by calling 1-800-922-3420. Health Services and the
Business Office CANNOT accept waiver cards directly.
Out-of-network fees
Students/Parents should note this health insurance coverage is not intended
as a substitute for your private health insurance but as a secondary health
insurance plan to cover out-of-network fees. If your personal insurance is
an HMO, we suggest you check with your HMO to see how they handle out-of-network
claims (for college students) and inquire if they allow guest memberships with
physicians in Georgia. Please familiarize yourself with your plan's limits.
Many HMOs pay for treatment outside their network area only when it is an
emergency and will not pay for treatment from providers out of their network
area without prior permission.
Optional major medical plan
Oglethorpe is pleased to announce that new this year is an optional major medical
coverage plan for $350.00 (in addition to the base annual premium of $250.00). For
$600.00 total, this upgraded policy includes optional major medical insurance
with co-insurance at 80% in network and 60% out-of-network, to a $25,000 maximum
benefit ($10,000 base plan + $15,000 optional major medical). With medical inflation
increasing at a rate of 12% this year, students face increased costs for medical care.
An option to purchase major medical insurance to complement the base plan can assist
students who are looking for more comprehensive coverage to protect against unforeseen
medical expenses. Intercollegiate sports athletes who are purchasing the OU student
health plan are strongly advised to carry this major medical coverage. Please contact
Health Services at cgrote@oglethorpe.edu to
sign up for the optional major medical coverage plan.
International/Exchange Students
All International/Exchange students are encouraged to purchase or show proof of an
International Health Insurance Plan. Oglethorpe University offers the HTH International
Health Insurance plan. Specific information can be obtained at
www.collegiaterisk.com
(enter "OG" and select "products"). If International Students purchase the OU Health
Insurance Plan, the additional Rep/Med evacuation coverage is a mandatory $20.00.
International/Exchange students are strongly advised to purchase the Major Medical
coverage to address unforeseen medical expenses.
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