Insurance FAQ

What does “hard waiver” mean?

The term “hard waiver” means proof of comparable coverage must be furnished or the student will be automatically enrolled in the college-sponsored health insurance plan and the premium for that plan will be added to their tuition bill. “Hard waiver” does not mean a student must be enrolled in the Agnes Scott College-sponsored health insurance plan; it means a student must show evidence of adequate coverage by an acceptable health insurance plan. Being enrolled in the college-sponsored health insurance plan is one means to meet that requirement. Students are encouraged to compare the college-sponsored Aetna plan against other options, e.g., being a dependent on a parent’s health insurance plan or an employer’s health insurance plan. If no evidence of health insurance coverage is provided, the student will be automatically enrolled in the Agnes Scott College-sponsored health insurance plan. IMPORTANT: The deadline to provide proof of insurance in order to waive the college’s coverage is June 1.

What is the Agnes Scott College-sponsored health insurance plan?

Aetna Student Health 500 Premiere plan benefits include:

  • unlimited maximum benefit
  • no pre-existing condition exclusion
  • individual deductible per policy year: $500 in-network, $1,000 out of network
  • combined out of pocket maximum $6,000 per policy year
  • co-insurance: 80% in-network, 60% out of network with no internal maximums and wellness benefits payable at 100%

Who is required to show proof of insurance?

All undergraduate, fifth-year and post-baccalaureate students are required to show evidence of an existing creditable health insurance policy, or they will be automatically enrolled in the college-sponsored health insurance plan. Students must actively attend classes for at least 31 days after the date for which coverage is purchased.

I already have health insurance. What do I need to do so I don't get billed for the college plan?

Students who are already covered by an insurance policy (i.e., through parent plans, family plans or employer-sponsored plans) should go online and submit their insurance policy information for verification through the secure website www.aetnastudenthealth.com. No paperwork is required; once verified, the insurance fee is removed.

How can eligible full-time students enroll in the college-sponsored health insurance plan?

All students are automatically charged the premium on their tuition bill. If students do not waive by the posted deadline date of June 1, they are automatically enrolled in the college-sponsored plan.

Can I utilize services at Agnes Scott College's Wellness Center if I waive the college-sponsored health insurance plan?

Yes, all registered students are eligible to utilize health services and counseling on campus.

How are the waivers monitored? What if a student does not enter correct insurance information in order to waive out of the college sponsored plan?

Waivers are monitored and verified by the insurance broker. An email message from the insurance company will be sent to students.

What insurance plan is acceptable?

Your plan should provide benefits similar to the college-sponsored student health insurance plan. In order to waive the student health insurance plan, your policy must:

  • Provide benefits in the Decatur/Atlanta area
  • Have providers in the campus area
  • Provide wellness visit benefits with no cost sharing
  • Cover you throughout the entire academic year
  • Provide coverage at a minimum of 80% of the preferred allowance, with no maximum benefit
  • Cover pre-existing conditions
  • Have an annual deductible no higher than $1,000
  • Cover inpatient and outpatient mental health
  • Have prescription drug coverage

Do I have to verify my insurance each semester?

Yes. All students must complete the waiver process each semester.

How can I enroll my spouse/domestic partner and/or dependent child(ren)?

If a student is enrolled in the college-sponsored student health insurance plan, coverage for eligible dependents (spouse/domestic partner and/or dependent child[ren]) may also be purchased. Application and enrollment deadlines are available at www.aetnastudenthealth.com.

What if a student waives out of the college-sponsored student health insurance plan and later loses their insurance that they had with their parents due to a job loss?

This would be a life status change, and students would be allowed to purchase the college-sponsored student health insurance plan within 30 days of the event. Inquiries regarding this process can be made by calling 800.922.3420.

What happens when I graduate before the plan ends?

When a student graduates, they are still covered by the college-sponsored student health insurance plan until the expiration date of the plan. Fall plan coverage is from 08/15/14 to 01/14/15; spring plan coverage is from 01/15/15 to 08/14/15.

When will students receive their insurance coverage card?

ID cards will be mailed to your campus mailbox as soon as open enrollment is completed. Students who need to seek services prior to receiving their ID card can contact the insurance company for pertinent information. Please note, it is up to each individual provider to determine if they will accept the insurance or if they will require that the student pay up front and be reimbursed by the insurance company.

What if a student is enrolled in the college-sponsored student health insurance plan and then withdraws from school?

If the student withdraws from classes within 31 days of the first date of classes, they are not eligible for the college-sponsored plan and they will not be covered under the policy. Otherwise, they will be covered by the college-sponsored student health insurance plan through the end of the semester. Fall plan coverage is from 08/15/14 to 01/14/15; spring plan coverage is from 01/15/15 to 08/14/15.

How do students who enroll in Agnes Scott College late (after the deadline date) obtain coverage or waive the plan?

Each request will be handled on a case-by-case basis. The student may inquire about this process by calling 800.922.3420.

Do I need a referral from the Wellness Center before I go for treatment outside of Agnes Scott?

A referral from the Wellness Center is not required with the college-sponsored student health insurance plan. If a student goes to an off-campus medical provider, the student will be responsible for co-pays, deductibles and any portion of the bill not covered by the college-sponsored student health insurance plan. Students should verify with Aetna prior to scheduling an appointment to ensure that their provider is a part of the plan.

Does the college-sponsored student health insurance plan also cover treatment received outside of Georgia?

Yes, the college-sponsored student health insurance plan provides coverage in all 50 states, U.S. territories and foreign countries. Foreign nationals are not covered in their home country.

Will prescription drugs be covered on this plan?

Yes, prescription drugs are covered. Prescriptions dispensed through a preferred care pharmacy will be paid at 100% of negotiated charges following a $15 copay for each generic prescription drug, a $45 copay for each preferred brand name prescription drug or a $75 copay for each non-preferred brand name prescription drug. Prescriptions dispensed through a non-preferred care pharmacy will be paid at 80% of the recognized charge. The pharmacy benefit is provided to cover medically necessary prescriptions associated with a covered sickness or accident occurring during the policy year.

How can I find out if specific treatments or services are covered?

To view the college-sponsored student health insurance plan summary and a complete list of plan exclusions, please review the brochure by going to your school's page at www.aetnastudenthealth.com.

Is dental coverage available?

Dental coverage for routine or non-injury services are not payable on the college-sponsored health plan. Benefits are payable if dental treatment is necessary due to injury. Specific benefits can be found under dental injury expense section of the brochure.

Whom do I contact with questions about a claim or using the college-sponsored student health insurance plan?

Please call Aetna directly at 855.821.9712.