Frequently Asked Questions
All domestic undergraduate and fifth-year need to show evidence of an existing, creditable health insurance policy. Otherwise, they will be enrolled automatically in the Student Health Insurance Plan (SHIP). Students must actively attend classes for at least 31 days after the date for which they purchase coverage.
The Student Health Insurance Plan (SHIP), provided by Sirius America Insurance and sponsored by the college, includes the following:
- Unlimited maximum benefit
- No preexisting condition exclusion
- Individual deductible per policy year:
- $250 in-network
- $1,000 out of network
- Individual combined out-of-pocket maximum of $2,500 per policy year
- Co-insurance:
- 80% in-network
- 60% out of network
- No internal maximums
- Wellness benefits payable at 100%
Please visit Sirius America student health website and follow the steps to accept coverage.
In keeping with the 2021-22 Going Green initiative, we will not mail any plastic insurance cards. You can still contact Sirius’ customer service to receive a physical card.
If you're enrolled in the plan, you may also get coverage for eligible dependents, including your spouse or domestic partner and dependent children. Please see the application and enrollment deadlines at Sirius America Insurance.
When you graduate, you'll still be covered by the college-sponsored student health insurance plan until your plan expires. Fall plan coverage is from 08/15/21 to 01/14/22. Spring/summer plan coverage is from 01/15/22 to 08/14/22.
Yes. Prescriptions dispensed through a preferred care pharmacy will be paid at 100% of negotiated charges after the $100 annual pharmacy deductible has been met, following a $20 copay for each generic prescription drug, a $50 copay for each preferred brand name prescription drug or an $80 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.
The 2021-2022 Plan Design and Benefits Summary also provides a complete list of plan exclusions.
Please call Sirius directly at 800-359-7475
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.
No. You don't need a referral from the Wellness Center with SHIP. If you visit an off-campus medical provider, you'll be responsible for co-pays, deductibles and any portion of the bill not covered by SHIP. You should verify with Sirius before scheduling an appointment to ensure that the provider is covered by Sirius’ plan.
If you're already covered by an insurance policy (through parent plans, family plans or employer-sponsored plans), you can submit your insurance policy information for verification completely online through Sirius’ website.
Your plan should provide benefits similar to SHIP's plan. See the Student Health Insurance page for a full list of criteria for a hard waiver.
“Hard waiver” does not mean that you must enroll in the college-sponsored student health insurance plan (SHIP). It means that you must show evidence of adequate coverage by an acceptable health insurance plan.
Being enrolled in SHIP is one means to meet student health insurance requirements. We encourage you to compare SHIP against other options (for example, being a dependent on a parent’s health insurance plan or enrolling in an employer’s health insurance plan).
If you're not able to show proof of other, comparable health insurance coverage, you'll be enrolled automatically in the college-sponsored student health insurance plan.
Yes, all registered students may use health services and counseling on campus.
Hard waivers are monitored and verified by Sirius. Sirius will send an email message to you regarding the acceptance or denial of your waiver application.
No. You only need to complete the waiver process once each academic year, prior to the fall semester.
This would qualify as a life status change, and you would be allowed to purchase the college-sponsored student health insurance plan within 30 days of this event. Please call 800-359-7475 for more information.
Each request will be handled on a case-by-case basis. Please email healthinsurance@agnesscott.edu or call 404.471.7100 for assistance.
If you withdraw within 31 days of the first date of classes, you won't be eligible for the college-sponsored plan and will not be covered under the policy.
Beyond 31 days, you're covered by the insurance and must pay the premiums for the full 12-month contract (8/15/2021 – 8/14/2022), regardless of any change in your student status.
Dental coverage for routine or non-injury services are not payable on the college-sponsored student 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.