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Student Health Insurance F.A.Q.

Frequently asked questions about the student insurance program.

Which students are eligible or required to have the student insurance?

Health insurance will be required as a condition of enrollment for full-time, degree-seeking domestic undergraduate students in Wake Forest College; for degree-seeking domestic graduate students* in the Graduate School of Arts & Sciences, School of Divinity, Schools of Business, and School of Law; and all international students with F or J visas. Undergraduate students who are degree seeking students that only need part-time status to complete their degree are eligible for the student insurance.  *Certain part-time students are not eligible. If you are unsure of your eligibility, please contact studentinsurance@wfu.edu.

Domestic graduate and undergraduate students may request waivers from enrolling in the Student Insurance Program if they have alternative coverage meeting WFU guidelines and if they waive coverage by the published waiver due dates.

International students with F or J visas will not have the option to waive from the Student Blue SM unless they are covered by a plan with comparable benefits and it is reviewed and approved by the University based on the minimum criteria. Additionally, the plan must be provided by a company licensed to do business in the U.S. with (a) a U.S. claim payment office, (b) a U.S. telephone number, and (c) plan literature available in English.

If you are considering purchasing insurance in lieu of Student Blue, please contact the Student Insurance Program in advance to ensure the plan is acceptable.

To have your plan reviewed, email your policy to studentinsurance@wfu.edu.

The criteria for the student insurance program are as follows:

1) Have a lifetime maximum benefit of at least $1,000,000. Plans with per incident, per illness or maximums that are less than the lifetime maximum are not acceptable.

2) Provide access to health care providers in the Winston-Salem, NC area for emergency and non-emergency conditions, including mental health care. If you have an HMO or EPO and Winston-Salem, NC is out-of-network, your coverage doesn’t meet our criteria. If your HMO or EPO offers guest privileges, you must contact your insurer to receive guest privileges and do so prior to waiving coverage.

3) Provide prescription drug benefits

4) Remain in effect while enrolled at WFU

Wake Forest University exempt and nonexempt employees, and faculty members (who may also be degree-seeking students) are not eligible to enroll in Student Blue. This exclusion does not apply to WFU students who have assistantships.

The spouse, same sex domestic partner, and/or dependent children of a Wake Forest University student enrolled in the student insurance program may enroll in Student Blue for the same periods of coverage as the student enrollee. This insurance will be purchased directly from Blue Cross and Blue Shield of North Carolina.

I also pay the Student Health Service fee. How is this different?

This Student Health Service fee covers the basic care offered at the Student Health Service. Health insurance, conversely, offsets the cost of services not covered under the student health fee. It also gives students access to services not available on-campus and covers a portion of the cost for services not provided at the Student Health Service, such as hospitalization, required surgery or specialty services for illnesses or injuries.

What are the benefits of Student Blue?

Student Blue offers numerous benefits on and off-campus. In addition to the benefits described here, the student insurance program also provides coverage for services at the Student Health Service that are not included in the student health fee. For instance, labs, medical supplies, and prescriptions are all covered by the student insurance program.

Who processes my claims?

Blue Cross Blue Shield of North Carolina process all claims; however, if you have a question about your benefits at any time, the Senior Benefits Administrator of the student insurance program at Wake Forest University is available to assist you.

What happens if I study abroad for a semester?

Whether you study abroad on a Wake Forest program or an Affiliate (approved provider or university) program, you are required to be enrolled full-time and earning degree credits abroad. Therefore, the health insurance requirement applies to all students while studying abroad for a semester. You are a fully enrolled Wake Forest student while studying abroad. In the event that you need medical attention, Student Blue and Wake Forest University will work with you to help you find the appropriate providers in your country of destination.

I already have health insurance. What benefit coverage is required for my current plan so I may waive the student insurance?

1) Have a lifetime maximum benefit of at least $1,000,000. Plans with per incident, per illness or maximums that are less than the lifetime maximum are not acceptable.

2) Provide access to health care providers in the Winston-Salem, NC area for emergency and non-emergency conditions, including mental health care. If you have an HMO or EPO and Winston-Salem, NC is out-of-network, your coverage doesn’t meet our criteria. If your HMO or EPO offers guest privileges, you must contact your insurer to receive guest privileges and do so prior to waiving coverage.

3) Provide prescription drug benefits

4) Remain in effect while enrolled at WFU

I currently have insurance coverage through December 2014. Will I have the opportunity to enroll in the WFU Student Insurance Program spring semester?

Yes. Loss of insurance is a qualifying event and would allow you to enroll in the WFU Student Insurance Program. Enrollment for qualifying events will be handled via manual enrollment. Please call 336-758-4247 or email studentinsurance@wfu.edu for more information. You may also enroll if you don’t have a qualifying event, as long as you do so during the open enrollment period.

When will my health insurance coverage begin?

Coverage will be effective August 1 if you enroll for the fall semester. If you enroll for the spring semester, coverage is effective January 1. The plan year is August 1 – July 31.

Am I covered during the summer?

If you purchase coverage as an eligible student in the spring semester, your coverage will continue until July 31st. This includes graduating students.

What is the deadline to submit a waiver?

For fall 2014, the deadline to submit a waiver is  August 1, 2014. Failure to complete the waiver by August 1, 2014 will result in automatic enrollment into Student Blue.

How does BCBS use the information collected through enrollment and waivers?

To read BCBS’s Privacy Policy Statement, please access the following link: Privacy Policy.

What is the refund policy for this plan?

There are no premium refunds except for students entering full-time active duty in any Armed Forces.

Who do I contact if I have not received my insurance card?

Please call 800-579-8022 or email email@studentbluenc.com.

May I continue coverage after graduation?

Students will have the option to continue coverage for a six month period once they graduate from WFU. Students must be enrolled two consecutive semesters to qualify. Students will go directly to Student Blue to enroll by calling 1-800-579-8022. You must apply prior to your insurance ending.

I am a graduate student receiving a stipend; can I have my insurance premium deducted from my pay?

Yes, to have your premium deducted from your stipend, please complete the PAYROLL DEDUCTION AUTHORIZATION CERTIFICATE.

What is the cost of coverage?

Click here to access the Facts about S.I.P. page where the rates are located.

Is coverage available for my spouse, same sex domestic partner and/or children?

Coverage for dependents is available in addition to the student premium. Enrollment in and payment for dependent coverage is handled directly with BCBS of NC. To enroll, visit www.bcbsnc.com/wfu and complete the online enrollment form including spouse, same sex domestic partner, and/or children. Dependents must be added during fall open enrollment. If you become married or have a child contact BCBS of NC at 800-579-8022 within 30 days to enroll your dependent.

I have more questions about insurance. What resources are available?

Student Insurance Program Staff
336-758-4247
sip@wfu.edu

BCBS of NC StudentBlue
1-800-579-8022
email@studentbluenc.com
www.bcbsnc.com/wfu