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Frequently Asked Questions (FAQ's)

Q: Do I have to have insurance coverage?

A: All full-time students are required to have EITHER the Lincoln University Student Health Insurance Plan OR any other U.S. based health insurance coverage. If you are currently insured, we ask that you carefully review your health insurance policy and ensure that it meets your needs while you are on campus at Lincoln University. Go to www.aetnastudenthealth.com to waive the LU student health insurance plan.

Q:  What are the minimum requirements needed to waive the Lincoln University Student Health Insurance Plan?

A:  To waive the Lincoln University student insurance your plan must meet the following criteria:

• Coverage of at least $50,000 per policy year
• Plan must include prescription drug coverage
• Plan must cover student when traveling 100 miles away from home
• Plan must provide inpatient and outpatient care (including mental health care) in the Jefferson City, MO area (Coverage for emergency-only care does not meet this requirement.)
• Coverage that will remain in force throughout the entire academic year (Currently 2008 -2009)

Q: Is there a co-pay or deductible for my Aetna Student Health plan?

A: There is a $25.00 out-patient deductible/co-pay that is waived with a referral from the SHC. There is a $50.00 emergency room deductible/co-pay that is waived if admitted as an inpatient.

Q: Are vision and dental services included in the LU student insurance plan?

A: No, routine vision or dental services are not included in this plan. Aetna does offer the Vital Savings Discount progam for dental and pharmacy services as an option for students to purchase on a voluntary basis.  At this time there is no vision discount program. Students do not need to be enrolled in the LU student health insurance plan in order to enroll. The cost for student only coverage is $29.00 for dental or pharmacy plan ($46.00 for both). Please refer to your student health insurance brochure for specific details or contact Aetna customer service.

Q: What do I do if I am sick and need to go to the hospital?

A: Your student health insurance plan does require you to contact Aetna Student Health when you are being admitted to the hospital on an inpatient basis. Outpatient services, including day surgery and emergency room visits, do not need to be precertified. Your specific pre-certification requirements are listed on the back side of your student health insurance indentification card.  If you do not have the student health insurance plan, please check with your provider.

Q:  Where are the local hospitals?

A:  Jefferson City, MO is home to two hospitals, Capital Region Medical Center and St. Mary's Health Center.  Please see the following page for further information.

Q: Is it my responsibility to file a medical claim?

A: If you visit an In-Network Preferred Provider, they should file a medical claim on your behalf. In the event that the provider does not submit a claim for you, see your plan brochure on how to file a medical claim.

Q: Does my health insurance plan cover treatment for substance abuse and mental illness?

A: Yes, your Aetna Student Health insurance plan will provide coverage for medically necessary treatment of substance abuse and mental illness conditions. Generally, the extent of coverage will depend on whether the treatment is provided on an inpatient or outpatient basis. Please refer to your student health brochure for specific details or call the toll-free 800# on the front of your student identification card.  If you do not have the student health insurance plan, please check with your provider.

Q: Does my health insurance plan cover pregnancy?

A: Yes, your Aetna Student Health insurance plan does provide coverage for a pregnancy the same as any other medical condition. Please refer to your student health insurance brochure for specific details or call the toll-free 800# on the front of your student identification card.  If you do not have the student health insurance plan, please check with your provider.

Q: Am I covered for medical treatment while studying or traveling abroad?

A: Yes, no matter where you travel as a student, you are covered under the student health insurance medical plan 24 hours worldwide.  If you do not have the student health insurance plan, please check with your provider.

Q: How do I contact Customer Service?

A: You can contact Aetna Student Health at 866-618-0027 or www.aetnastudenthealth.com.