University Sponsored Student Health Insurance for
Florida A&M University
Welcome to Health Benefit Concepts page for Florida A&M University. We have worked with FAMU to develop an affordable health insurance plan meeting the FAMU Health Insurance Regulations. The plan is Affordable Care Act compliant and includes coverage while at school and at home, and comprehensive coverage for emergency and non-emergency situations.
Please compare the FAMU plan with your current coverage. Student and parents are able to lower premiums, deductibles and out of pocket expense, and increase coverage.
Plan Highlights:
Unlimited Maximum Benefit
Deductibles: $100 in Cigna PPO
Network & $200 Out of Network
Coinsurance: after the deductible has been paid: Cigna PPO: 80% & Out of Network 60%
Preventive Care: 100% coverage in Cigna PPO Network (no deductible)
Covered Services include: Inpatient & Outpatient Hospital Expenses, Physician Visits, Emergency Services, Urgent Care Services, Prescription Drugs, Intramural & Club Sports coverage, and limited Dental & Vision benefit. (See brochure for more information
According to Florida A&M University...
Beginning with the 2016-2017 year, all FAMU students are required to have health insurance. This means that all newly admitted or re-admitted domestic students who are enrolled at last half-time* in a degree-seeking program along with all international students are required to show proof of comparable coverage, or purchase the Student Health Insurance Plan if opt-out (on-line waiver) is provided by the deadline. Students must provide proof of health insurance coverage that includes access for routine and preventive care services as well as emergency care in the area where they attend classes.
The Student Health Insurance Plan (SHIP) will be effective August 15, 2018 - August 14, 2019.
The University sponsored student health insurance plan
30+ Most Frequently Asked Questions
FAQ: Benefits
FAQ: Coverage
FAQ: Cost
FAQ: Enrollment Process
FAQ: How to Use
BROCHURE
the Most Frequently Asked Questions
Florida A&M University
2018-19 Frequently Asked Questions
Benefits of the Plan
Does the plan include deductibles?
What are the maximum benefit and coverage?
Does the plan have an Out of Pocket expense limit?
Does the plan provide for maternity benefits?
Does the plan cover pre-existing conditions?
Does the plan pay for prescriptions?
Does the plan cover health related conditions when I am out of the country?
Does the plan include a Preferred Provider Organization (PPO)?
Does the plan include dental and vision benefits?
What coverage periods are available? How long of a time am I covered?
Can I purchase this plan for one or two semesters?
Cost Payment
Enrollment Process
How do I enroll in the plan? How do I pay?
Can I enroll my spouse or child?
Will I receive an identification card?
Will I receive a copy of the policy?
Can I enroll late after the coverage begins (Qualified Late Enrollment)?
Using the Insurance
How do I get another identification card?
What should I do of the student health center is closed or I am away from school?
Can I choose any physician and hospital?
Does the plan include deductibles?
Does the plan cover health related conditions when I am out of the country?
Does the plan include a 24/7 Nurse Line?
How do I know if my illness or injury is covered?
How do I check on the status of my claim?
How do I understand the Explanation of Benefits (EOB) for a paid claim?
How do I appeal my claim payment?
Waiving the FAMU student insurance plan
How do I waive the FAMU student insurance plan?
Benefits of Plan
Does the plan include deductibles?
Yes. The deductible are $100 per year for Network Providers and $200 for Non-Network providers
Deductible means the dollar amount of Covered Medical Expenses which must be paid by each Insured Person before benefits are payable under the Policy. The amount of the Deductible and the frequency (annual or per occurrence) will be shown in the Schedule of Benefits.
What are the maximum benefit and coverage?
Maximum Benefit: unlimited
Coinsurance: Network: 80% PA (PPO Allowance) and Non-Network: 60% of U&R of Covered Medical Expense
Network Providers are Physicians, Hospitals and other healthcare providers who have contracted with us to provide specific medical care at negotiated prices.
Non-Network Providers have not agreed to any pre-arranged fee schedules.
Coinsurance means the ratio by which We and the Insured Person share in the payment of Usual and Reasonable expenses for treatment. The Coinsurance percentage that We will pay is stated in the Schedule of Benefits.
PPO Allowance means the amount a Network Provider will accept as payment in full for Covered Medical Expenses.
Usual and Reasonable (U & R) means the normal charge, in the absence of insurance, of the provider for a service or supply, but not more than the prevailing charge in the area for a: 1) Like service by a provider with similar training or experience; or 2) Supply that is identical or substantially equivalent.
Does the plan have an Out of Pocket expense limit?
Yes. After the Out of Pocket limit has been met, benefits will be paid at 100% of PA (PPO Allowance) in Network and no limit for U&R (Usual & Reasonable) for Non-Network.
Out of Pocket Expense Limit: Network: $6,850 and Non-Network: No Maximum
Out-of-Pocket Expense Limit: The Out-of-Pocket Expense Limit is shown in the Schedule of Benefits. It provides a cap on the amount of Covered Medical Expenses an Insured Person has to pay. Copayments and amounts above any Maximum Benefit do not apply toward the Out-of-Pocket Expense Limit. However, the Insured Person’s Coinsurance amounts will apply toward the Out-of-Pocket Expense Limit.
Out-of-pocket Expense Limit means the amount of Usual and Reasonable expenses that an Insured Person is responsible for paying.
Does the plan provide for maternity benefits?
Yes. Maternity is treated as any other illness.
Does the plan cover pre-existing conditions?
Yes.
Does the plan pay for prescriptions?
Yes. Prescriptions are covered under the Cigna Pharmacy Network and Out of Network pharmacies. Plan deductible does not apply to:
In Cigna Pharmancy Network: Generic Co-pay $15 / Brand Co-pay: $30 / Preferred Co-pay: $50
Out of Cigna Pharmacy Network: Need to submit the prescriptions to CHP for Reimbursement.
Generic Co-pay $15 / Brand Co-pay: $30 /Preferred Co-pay: $50
Cigna PBM participating pharmacy: click for information as pdf
Web site: https://studentinsurance.com/
Telephone: 800.835.3784
Does the plan cover health related conditions when I am out of the country?
Yes. Travel Guard Travel Assistance click for information as pdf
For general inquiries regarding the travel access assistance services coverage, please call Consolidated Health Plans at 1-800-633-7867 or visit https://consolidatedhealthplan.com/products/medex
Does the plan include a Preferred Provider Organization (PPO)?
Yes. You are able to choose any physician and hospital. However, the plan includes the Cigna PPO network with Physicians, Hospitals and other health care providers who have contracted to provide specific medical care at negotiated prices.
How to locate a Cigna PPO Provider
Go to www.cigna.com and click "I want to find a Doctor."
Click "If your insurance plan is offered through work or school.."
Enter Zip code or City or State and click "PICK" to select PLn
Choose “PPO, Choice Fund PPO” then click “CHOOSE”
Under looking for: Enter a provider’s name or keyword/specialty, i.e. gastroenterologist, then click “SEARCH”
If you are unable to locate a provider, please contact Consolidated Health Plans for more information
Telephone CHP: 800-633-7867 or email: customerservice@consolidatedhealthplan.com
Does the plan include dental and vision benefits?
Yes. Dental and vision coverage is included in the plan.
Dental Care Benefit (Limited to 1 dental exam every 6 months) See Benefit for limitations
Preferred Provider::100% of Preferred Allowance for Preventative Dental Care
Non-Preferred Provider: 70% of the Usual and Reasonable Charge for Preventive Services
Adult Vision Care:
Preferred Provider: 70% of Preferred Allowance for Covered Medical Expenses
Non-Preferred Provider: 50% of Usual and Reasonable Charge for Covered Medical Expenses
Visit the FAMU web page at https://www.chpstudent.com for more information.
Coverage Periods
What coverage periods are available? How long of a time am I covered?
The Florida A&M University Student Health Insurance Plan provides coverage to students for a twelve (12) month period from 12:01 a.m. on the following dates:
FAMU |
Coverage Periods |
Student Premium |
Annual |
08/15/18 to 08/14/19 |
$1,779 |
Fall |
08/15/18 to 12/31/18 |
$ 678 |
Spring & Summer |
01/01/19 to 08/14/19 |
$1,101 |
Summer: (new student only) |
05/06/19 to 08/14/19 |
$ 493 |
If I elect not to purchase the annual coverage, will I receive notification to re-enroll for continuous coverage?
No. It is the insured’s responsibility for timely payments to maintain continuous coverage.
Can I purchase this plan for one or two semesters?
Yes. Please see above coverage periods.
If I elect to purchase the annual coverage and graduate in May 2019 will I be covered through the August 14, 2019 termination date?
Yes. Coverage will terminate on the last day of the period premium has been paid (08/14/19)
Cost Payment
Coverage Period |
Student Premium |
Annual: 08/15/18 to 08/14/19 |
$1,779 |
Fall: 08/15/18 to 12/31/19 |
$ 678 |
Spring & Summer: |
$1,101 |
Summer: 05/06/19 to 08/14/19 (new student only) |
$ 493 |
Students that do not have health insurance coverage may purchase the University sponsored student health insurance plan. Please visit FAMU Student Health Services and click on Health Insurance Information.
Enrollment Process
How do I enroll in the plan? How do I pay?
Students that do not have health insurance coverage may purchase the University sponsored student health insurance plan. Please visit FAMU Student Health Services and click on Health Insurance Information.
Can I enroll my spouse or child?
No. The plan is for student only.
Will I receive an identification card?
Yes. You will receive an identification card in approximately six weeks. If you need access services prior to receiving your identification card, your provider can contact Consolidated Health Plans by:
Toll-free Telephone: (800) 633-7867
E-mail: customerservice@consolidatedhealthplan.com
Will I receive a copy of the policy?
No. The Master Policy is on file at the Florida A&M University Student Health Center. No individual policies will be issued/ In the event of a claim dispute, the Master Policy will prevail. Please retain brochure as it outlines the provisions of coverage.
Should a student graduate or leave College for any reason, except to enter military service, the coverage will continue in effect to the end of the Policy Term for which premium has been paid. If the student enters military service, coverage will terminate immediately and a prorated premium refund will be made on request.
If I elect not to purchase the annual coverage, will I receive notification to re-enroll for continuous coverage?
No. It is the insured’s responsibility for timely payments to maintain continuous coverage.
Can I enroll late after the coverage begins (Qualified Late Enrollment)?
Yes, a student is able to enroll after the effective date of coverage.
The student seeking the Qualified Late Enrollment should follow the following instructions:
1. Go to FAMU page at chpstudent.com and print form
2. Email to: mblomberg@consolidatedhealthplan.com (Mary Jo Blomberg)
or call 1-800-633-7867 extension 129 to obtain the prorated premium for the desired coverage period.
Person to enroll: student only
Reason for Late Enrollment: Termination of Prior Coverage
A copy of the following documentation is required: Insurance document showing the Date of Termination
CHP must receive the completed enrollment form and appropriate documentation within: 31 days of following prior coverage termination
The effective date of the new coverage will be: The date of prior coverage termination
Using the Insurance
How do I get another identification card?
If you need another identification card, you can contact Consolidated Health Plans by:
Toll-free Telephone: (800) 633-7867
E-mail: customerservice@consolidatedhealthplan.com
Website: http://chpstudent.com
What should I do of the student health center is closed or I am away from school?
You are covered anywhere in the world, 24 hours a day. You should consult a medical professional and follow his or her advice.
Can I choose any physician and hospital?
Yes. You are able to choose any physician and hospital. However, the plan includes the Cigna PPO network with Physicians, Hospitals and other health care providers who have contracted to provide specific medical care at negotiated prices.
How to locate a Cigna PPO Provider
Go to www.cigna.com and click "I want to find a Doctor."
Click "If your insurance plan is offered through work or school.."
Enter Zip code or City or State and click "PICK" to select PLn
Choose “PPO, Choice Fund PPO” then click “CHOOSE”
Under looking for: Enter a provider’s name or keyword/specialty, i.e. gastroenterologist, then click “SEARCH”
If you are unable to locate a provider, please contact Consolidated Health Plans for more information
Telephone CHP: 800-633-7867 or email: customerservice@consolidatedhealthplan.com
Does the plan include deductibles?
Yes. The deductible are $100 per year for Network Providers and $200 for Non-Network providers
Deductible means the dollar amount of Covered Medical Expenses which must be paid by each Insured Person before benefits are payable under the Policy. The amount of the Deductible and the frequency (annual or per occurrence) will be shown in the Schedule of Benefits.
Does the plan cover health related conditions when I am out of the country?
Yes. Travel Guard Travel Assistance click for information as pdf
For general inquiries regarding the travel access assistance services coverage, please call Consolidated Health Plans at 1-800-633-7867 or visit https://consolidatedhealthplan.com/products/medex
Does the plan include a 24/7 Nurse Line?
Yes. Call the toll-free Nurse Hotline at 800-557-0309. Note: if you are experiencing a life-threatening medical emergency, call 911.
Registered Nurses (RN) provide information based on physician approved guidelines 24 hours a day / 365 days per year. The information is completely confidential.
How do I know if my illness or injury is covered?
Refer to the Medical Benefits Schedule in your brochure to determine coverage and covered services. You should review the Exclusions and Definition sections of the brochure to understand what conditions are not covered.
If you have any questions, please contact Consolidated Health Plan by:
Toll-free Telephone: (800) 633-7867
E-mail: customerservice@consolidatedhealthplan.com
Website: http://chpstudent.com
You are able to verify coverage by contacting Consolidated Health Plans by:
Toll-free Telephone: (800) 633-7867
Email: customerservice@consolidatedhealthplan.com
Website: http://chpstudent.com
Most students do not have to file their own claims. However, if a claim needs to be submitted by a student, you can download a student claim form from the Consolidated Health Plan website and attach the claim (itemized bill) to the claim for and mail to their office.
In the event of Accident or Sickness the student should:
1. If at the College, report immediately to Health Services so that proper treatment can be prescribed or approved.
2. If away from the College, consult a doctor and follow his or her advice. Notify Florida A&M University within 90 days after the date of the Covered Injury or commencement of the Covered Sickness or as soon thereafter as is reasonably possible.
3. Secure a claim form from Consolidated Health Plans at http://chpstudent.com
4. Complete the form.
5. Submit the claim form, complete with bills and receipts, to the Claims Administrator:
Claims Administrator:
Consolidated Health Plans
2077 Roosevelt Avenue
Springfield, MA 01104
Toll Free: 800-633-7867
6. Submit only one claim form for each Accident or Sickness
How do I check on the status of my claim?
You are able to check claim status by contacting Consolidated Health Plans by:
Toll-free: 800-633-7867
Email: customerservice@consolidatedhealthplan.com
Website: http://chpstudent.com
How do I understand the Explanation of Benefits (EOB) for a paid claim?
The Explanation of Benefits (EOB) is a summary of how your paid claim was processed. It includes any co-pay, deductible, coinsurance (%) or non-covered amounts that you may owe to the provider(s) of service. Use this EOB to verify the accuracy and validity of any bill you may receive from the provider(s).
Please see sample Explanation of Benefits (EOB)
How do I appeal my claim payment?
You have the right to appeal any decision or action taken by Us to deny, reduce, or terminate the provision of or payment for health care services requested or received under this Certificate of Insurance. You have the right to have Our decision reviewed by an independent review organization. We must provide you with certain written information, including the specific reason for Our decision and a description of Your appeals rights and procedures every time We make an determination to deny, reduce, or terminate the provision of or payment for health care services requested or received under the Certificate of Insurance.
You have 180 calendar days to submit your written appeal to Consolidated Health Plans Appeal Department 2077 Roosevelt Avenue Springfield, MA 01104. Once your appeal is received a decision will be made in 30 to 60 calendar days (depending on your state requirements), or within 72 hours in the case of an expedited appeal.
Does the plan include dental and vision benefits?
Yes. Dental and vision coverage is included in the plan.
Dental Care Benefit (Limited to 1 dental exam every 6 months) See Benefit for limitations
Preferred Provider::100% of Preferred Allowance for Preventative Dental Care
Non-Preferred Provider: 70% of the Usual and Reasonable Charge for Preventive Services
Adult Vision Care:
Preferred Provider: 70% of Preferred Allowance for Covered Medical Expenses
Non-Preferred Provider: 50% of Usual and Reasonable Charge for Covered Medical Expenses
Visit the FAMU web page at https://www.chpstudent.com for more information.
Waiving the FAMU student insurance plan
How do I waive the FAMU student insurance plan?
You are able to waive the FAMU student insurance plan by visiting the Consolidated Health Plan site and follow the waiver instructions at the studentinsurance.com
The following information will be required to complete the waiver:
Insurance Company Information
Insurance Carrier
Insurance Carrier Street Address or P.O. Box
Insurance Carrier City
Insurance Carrier State
Insurance Carrier Country
Insurance Carrier Phone
Insurance ID# or Member ID#
Insurance Group Number
The following information about the Insurance Subscriber (primary insured) will be required:
Insurance Subscriber (primary insured)
Student’s relationship to insurance subscriber
Subscriber Address
Subscriber City
Subscriber State
Subscriber Zip Code
Subscriber Country
If insurance coverage is provided by employer sponsored plan the following information is required:
Employer Name
Employer City
Employer State
Employer Zip Code
Employer Country
Additionally the following questions will require yes/no answers:
Yes or No: My current plan offers an unlimited plan maximum in coverage.
Yes or No: My plan provides in-patient care in the Florida A&M University campus area (including mental health care).
Yes or No: My plan provides out-patient care in the Florida A&M University campus area (including office visit, out-patient mental health care and ancillary procedures). Coverage for emergency-only care does not satisfy this requirement.
Yes or No: This coverage will remain in force throughout the 2016-2017 academic year.
Yes or No: My plan provides coverage for pre-existing conditions.
Yes or No: My plan provides coverage for prescription drugs.
Yes or No: I acknowledge that I am responsible for payment of all fees for medical and mental treatment not covered not by my health insurance plan (including but not limited to deductibles, copays, coinsurance and the expenses above my policy maximums and benefit limits). I understand that some health facilities, including the Student Health Center, may require payment at the time the treatment is provided.
I agree that all of the information is correct and I confirm that I have chosen to waive coverage.
The Master Policy on File at Florida A&M University Student Health Center contains all of the provisions, limitations, exclusions and qualification of your insurance benefits, some which may not be included in the Frequently Ask Questions. If any discrepancy exists between this Frequently Asked Questions and the Master Policy, the Master Policy will govern and control the payments of benefits.
Underwritten by:
Underwritten by: Commercial Casualty Insurance Company
Policy Number: CCIC1819FLSHIP58
Group Number: ST0842SH
Effective: 8/15/18 – 8/14/19