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Student Insurance - Questions & Answers

What is the Student Accident Insurance?

The Student Accident Insurance is an insurance policy arranged through ACC which pays for student injuries anywhere on an ACC campus or off campus at a class or college sponsored event.

How much does the Student Accident Insurance cost?

The insurance fee is $1.00 per class, paid at registration.

Who is covered by the Student Accident Insurance?

All registered students are covered except some Corporate Solutions classes and Business Assessment Center clients.

What benefits does the insurance provide?

The insurance is a primary pay policy which means that the policy will pay even if a student has other insurance. The benefit is $25,000 per claim, there is a $25 deductible per claim. Students are responsible for the bill. Billing is between the student and the medical provider. The insurance pays reasonable and customary charges for procedures based on the procedure and zip code of the provider. Students may be responsible for charges over the reasonable and customary reimbursement.

How do I select my doctor?

There is no network of medical providers; students are free to choose their doctor or other provider. Medical providers do not have to accept the Student Accident Insurance since there is no network with this insurance program. Students are required to obtain itemized bills with the diagnosis and treatment codes on the bills for submission with the claims forms.

How are claims filed?

Claim forms are available on the ACC Forms Inventory database. Claim forms are processed through the Environmental Health Safety and Insurance Office for certification the claimant is a registered student. Claims are paid by the insurance company, not by ACC. The policy number and other school information is left off of the claims form as a security measure so only registered students who have paid the insurance fee will submit claims.

Is there other insurance required by ACC?

Yes.

ACC does require Health Sciences and students in other selected classes to have Medical Professional Liability insurance. This insurance is paid for by students with a $10 insurance fee on the applicable classes. The classes are selected because students are interacting with clients in a professional setting under the supervision of ACC Faculty in a clinical or internship program.

Starting with the Fall 2014 semester, Health Science students are required to have health insurance prior to clinical placements to meet requirements of the clinical sites.

Federal law requires some international students to have health insurance. The International Students Office can help you determine if you are required to have health insurance if you are an international student.

Can I get health insurance with ACC?

ACC does not require most students to have health insurance. There is an insurance company which is the preferred provider of health insurance for ACC students who desire or need health insurance. This company was selected by a committee of college representatives including students.

What are the details on the health insurance?

The cost for health insurance varies depending on each student’s choice. Students may choose to get insurance for themselves alone, or may include a spouse and children, as needed. The insurance is available for an entire academic year, for a single term (fall, spring, summer) or by the month. Insurance premiums may be paid by electronic check, credit card, or by mail. This is a Preferred Provider Network which means students choose any provider. Benefits are better for providers in the network.

Student Health insurance plans meet requirements of the Patient Protection and Affordable Care Act in terms of preventative services, benefit limits, and level of services offered.

Complete insurance information is available on the Environmental Health Safety and Insurance department web page here.

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