Frequently Asked Questions Regarding Student Health Insurance

 
I received my insurance card and brochure but there is an enrollment form in it. Do I need to enroll to be included in this plan?

No, you do not need to enroll or use the included enrollment form. This form is only for adding dependents (if allowed by the plan).

What is covered under this insurance plan?

This plan will cover most injuries and sicknesses (please read about Exclusions and Limitations in the insurance brochure).  There is additional coverage for injuries incurred during intercollegiate athletics. Charges from Health Services are not paid for by the insurance.

In addition, travel assistance is included.  Scholastic Emergency Services will provide increased coverage for students studying abroad or at a U.S. location greater than 100 miles from their permanent residence or campus location.  This coverage includes several additional benefits including medically supervised repatriation and transportation of a family member to join an injured student hospitalized during travel.

For more information regarding benefits and limits of this plan, please read the plan brochure that was sent to you. If you do not have this then you can go to the insurance company's website (www.uhcsr.com) or call 1-800-767-0700 for this information.

Why did CLU implement a mandatory student health insurance program?

A growing number of students were unable to obtain health insurance through their parents.  In addition, many others who were out of their HMO service area were unable to use their insurance in the Thousand Oaks area.  CLU was unable to maintain an affordable voluntary student health insurance policy.  By enrolling all full-time undergraduate students in an injury and sickness plan, we are able to provide coverage for all students at a low cost per student.

Can I “opt out” of the insurance?

Students are not able to “opt out” of this plan.  By enrolling all students, we are able to keep costs low for each student.  Tuition monies pay for your insurance plan.

If I already have health insurance, how will this benefit me?

If you already have health insurance, the student insurance plan will act as a supplemental policy to your own insurance plan.  This plan can be used to cover the deductible on your health insurance plan as well as remaining expenses not covered in your plan.  A student who is not from Southern California and has an HMO insurance plan may be unable to get care in this area.  For example, if a student on an HMO plan from Colorado breaks their arm, the ER visit will be covered by their HMO plan, but follow-up casting and care by an orthopedist would not be covered in this area.  In the past, students have had to pay cash or go to their home region for follow-up care.  This plan would cover these “out of network” expenses and allow the student to stay in school and receive appropriate medical care.

Great! Can I drop my own health insurance and use this instead?

We do not recommend that you drop your major medical plan if you have one.  This student plan provides good coverage for a student who is faced with an unpredicted medical illness or injury and has no other insurance.  As a supplement to a major medical plan it may cover any remaining medical expenses.  Finally, for a student who is out of their coverage area, it will cover emergencies and illnesses while they are away from home.  However, it does not have the same coverage as a major medical plan.  It has a $50,000 dollar maximum benefit per condition.  The plan has some limitations on preventive care, daily maximums on hospital care and diagnostic testing, as well as the number of visits allowed per condition.  These limitations are extremely reasonable and are outlined in the plan brochure that students will receive.  There is a six month waiting period for recently diagnosed or pre-existing medical conditions.

Will this plan affect international students?

There is a separate plan for international students.  The cost is higher for international students because it covers expenses such as repatriation.  International students may not decline coverage through this plan nor take the domestic plan instead.

Please read through the insurance brochure that was sent you.  It contains important information regarding benefits and limitations which are your responsibility to know.  If you did not receive this brochure and an insurance card please call UnitedHealthcare StudentResources at 1-800-767-0700.

 

More information can be found at www.uhcsr.com.

 

 

How to Use Your Student Health Insurance

If you are sick or injured while CLU Health Services is open you must come to us first or your insurance will not pay for your medical services. 

We are open while undergraduate classes are in session and are closed for all holidays, breaks, and during the summer (from the end of Spring Semester to the start of Fall Semester).  Our hours are Monday through Friday (except Wednesday) 9 a.m. to 12 noon and 1 p.m. to 4:30 p.m. and Wednesday 1 p.m. to 4:30 p.m.  Please call 805-493-3225 for an appointment.  We attempt to accomodate walk-ins but those who walk in may have to make an appointment, wait, or be referred.

What do you do if you are sick or injured while CLU Health Services is closed?

If Health Services is closed you can seek medical care off-campus and the insurance will pay for covered medical services.

Where should you go for off-campus medical care when Health Services is closed?

If you are on-campus and have a medical emergency that requires you to be transported by an ambulance call 805-493-3911 (or x3911 from an on-campus phone).  This will connect you with Campus Safety and Security and they will call an ambulance and direct it to where you are on-campus.  The closest Emergency Room is at Los Robles Hospital on the corner of Janss Rd. and Lynn Rd.  Bring your insurance card with you!

If you need medical care that is not an emergency we recommend using the Thousand Oaks Urgent Care located on Janss Rd. off of Moorpark Rd.  Their address is 620 E. Janss Rd. and their phone number is 805-495-6866.  Their hours are Monday through Friday 8 a.m. to 8:30 p.m. and Saturday and Sunday 9 a.m. to 5 p.m.  Appointments not needed.  Bring your insurance card with you!

If you are referred to a specialist by either the Emergency Room or Urgent Care you must come to Health Services before you see the specialist to get an insurance referral or your insurance will not pay for the specialist’s services. 

The only exception is when Health Services is closed for summer, then you will not need an insurance referral for the specialist’s services.

Common reasons the insurance will not pay for your medical services (this list does not include all possible reasons):
  • You did not come to Health Services for medical care when it was open.  Please read about this under “Student Health Center (SHC) Referral Required” in your insurance brochure.
  • You received care for services listed under “Exclusions and Limitations” in your insurance brochure.  This is your responsibility to know these.
  • Your treated medical condition was “Pre-Existing”.  Please read about this under the “Exclusions and Limitations”.
  • You reached the maximum amount the insurance will pay.   Please read the “Schedule of Medical Expense Benefits” in your insurance brochure.
  • You were not eligible to receive the insurance.  Please read the “Eligibility” section also.
  • You went to a doctor or facility that was not “in Network”.  Before you seek medical care make sure that doctor or facility is within the Beechstreet Network.  You can find this information on-line at www.uhcsr.com or by asking the doctor or facility, or ask at Health Services.