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.
What is the Agnes Scott College-sponsored health insurance plan?
Aetna Student Health Insurance plan benefits include:
- unlimited maximum benefit
- no pre-existing condition exclusion
- individual deductible per policy year: $250 in-network, $1,500 out of network
- combined out of pocket maximum $2,500 per policy year
- co-insurance: 90% in-network, 70% out of network with no internal maximums and wellness benefits payable at 100%
Who is required to show proof of insurance?
All domestic 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) will be able to go online and submit their insurance policy information for verification through the secure Aetna Website. No paperwork is required; once verified, the insurance fee is removed. This site is not yet active, but we anticipate you can waive starting mid-Spring. We will alert you via email when the waiver site is live.
How can eligible full-time students enroll in the college-sponsored health insurance plan?
When the waiver website is live in mid Spring, visit the site and follow the steps to accept coverage. You will receive an email when the website is live.
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 Aetna. Aetna will send an email message to students regarding acceptance or denial of waivers.
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 $1,500 (individual)
- Cover inpatient and outpatient mental health
- Have prescription drug coverage
Do I have to verify my insurance each semester?
No. All students must complete the waiver process only once per academic year, prior to Fall 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
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 08/15/16 to 01/14/17; spring plan coverage is from 01/15/17 to 08/14/17.
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 08/15/16 to 01/14/17; spring plan coverage is from 01/15/17 to 08/14/17.
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. Link coming soon.
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.