Student Health Insurance
Frequently Asked Questions
Insurance company • ID card • Preferred Providers • Co-pay • Who to contact • Where to go • Pharmacies and Prescriptions • Physicals • Dental
What insurance company handles the Student Health Insurance plan for Dickinson College?
- United Healthcare is the insurance company for the 2014-2015 school year.
- In the event you need a temporary or replacement card you can go to www.firststudent.com.
The plan summary mentions “Preferred Providers” and “Out-of-Network Providers” – what is the difference?
- Preferred Providers are Physicians, Hospitals and other health care providers who have contracted with United Healthcare to provide specific medical care at negotiated prices.
- Out-of-Network Providers are Physicians, Hospitals or other care providers who have not agreed to any pre-arranged fee schedules.
- Yes – if you use a “Preferred Provider” you will not be responsible for any cost for the services other than the predetermined Co-pay amount for the service. If you use an “Out-of-Network Provider” you will be responsible for the Co-pay plus 20% of the Usual & Customary charges for medical services.
- A Co-pay is the amount you will be required to pay for a specific medical service. The Co-pays vary, please refer to the schedule of benefits in the plan document. You can obtain a copy of the plan document by going to www.firststudent.com and select Dickinson College.
- The Dickinson College Student Health Plan also has client advocacy services through Health Advocate. They can assist you with:
- Explaining your benefit plan’s features and provisions
- Assistance with insurance claims
- Finding qualified physicians and hospitals
- Schedule appointments for you with a physician’s office
If Health Advocate is not responsive, who else can I call?
- You should call our Insurance Broker – RCM&D – if you need additional assistance. Our RCM&D Insurance Administrator is Tim Cummons. He can be reached at 1-800-346-4075 extension 1452 or email email@example.com.
- If you do not need emergency medical attention you should initially contact the Dickinson College Health Center. The Health Center will be able to determine if you need a medical specialist. In the event it is a medical emergency you should go to the nearest medical facility in your area. Carlisle Medical Center has emergency services.
- Where to go
- Yes – the plan does pay for prescription drugs. Please refer to the plan summary for the specific co-pays and limitations.
- No – please refer to the listing of the pharmacies that are in network or go to www.firststudent.com to find a pharmacy.
- Yes – the plan pays for one physical exam per year. In other words, even if you are not sick, the plan will cover the cost of an annual check-up.
- Dental benefits are limited to injury to sound teeth, natural teeth, dental abscesses or impacted wisdom teeth only.